vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
*****BRIDGECREST IS IN NONCOMPLIANC OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. This is my official notice to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of Bridgecrest. This includes disclosing my nonpublic personal information to any and all consumer reporting agencies. Bridgecrest did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of Bridgecrest disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to Bridgecrests unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice Bridgecrest or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect Bridgecrest to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect Bridgecrest to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. Bridgecrest can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I noticed inaccurate accounts and information on my credit report and contacted the XXXX credit bureaus about it ( XXXX, Experian, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these XXXX companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE CREDIT BUREAUS FAILED TO DUE A PROPER INVESTIGATION INTO THIS MATTER AND STILL ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE CREDIT BUREAUS FAILED TO DUE A PROPER INVESTIGATION INTO THIS MATTER AND STILL ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: KY

Complaint narrative:
US Bank closed my account which included checking & credit card for alleged suspicious activity. They WILL NOT tell me when I can get the money from the checking account because " they are investigating a wire transfer into the account ''. The wire transfer came from my account at XXXXXXXX XXXX which had sufficient funds to send. I am concerned they are conducting a " XXXX inspection '' a la " Days of Thunder '' movie referring to XXXX inspection practice of leaving product they don't want to let into the country sit on the dock & rot. 

It has been over 30 days since I was denied access to all my accounts with US Bank & have received NO COMMUNICATION AT ALL from them. My repeated calls to the bank have been referred to a young lady named XXXX phone number XXXX ( XXXX ) XXXX in the fraud department, her working hours are from XXXX XXXX. to XXXX XXXX. XXXX  thru XXXX  PST according to her voicemail greeting. I have left SEVERAL messages on her voicemail with my name, phone number & requests for a call back but have yet to receive any response at all. The " bankers '' I have spoken with say there is no escalation process for them to follow when a customer seeks further information on ANY ISSUES WITH THEIR ACCOUNT. 
I need the money in that account to pay bills that are now overdue & accumulating late fees quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
We asked Caliber Home Loans to change our auto pay from bi-weekly to monthly, We were current on our loan. They agreed and sent us a letter stating our next payment would be withdrawn on XX/XX/XXXX. It was not withdrawn. We called 2x, telling them it was not withdrawing. They assured us that we would not be charged a late fee. They did not attempt to fix the problem. When we called next and found out they had not even attempted to fix the problem, we asked to speak to a manager and were told they would call us back by the XXXX of XXXX. They did not, and they charged us a late fee. We called on the XXXX, spoke to XXXX, who reversed the late fee, and tried to connect us to a manger, but said they would call us back the same day. They did not. Today, the XXXX, we made a payment through the web portal, because I am sure they would be reporting us to the credit agencies soon. Caliber Home loans need to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE CREDIT BUREAUS FAILED TO DUE A PROPER INVESTIGATION INTO THIS MATTER AND STILL ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed bankruptcy XX/XX/2022. I called Bank of America to resolve my account and get it back in good standings. I was told by a rep that my fees will be waived and he asked me did I want to close my account I specified no. He then transferred me to collections to get that done. I then spoke with them, gave them my bankruptcy information and asked them would they be waving the fees, he said I had to speak to customer service. I was transferred there then they said I had to speak to the bankruptcy department, the bankruptcy department said I had to talked to the overdraft department and they tried to transfer me again. They said that my account was closed. I asked why I didnt request that. They then said due to bankruptcy and I asked where was that in the policy and the rep could not tell me and refused to get a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The car was repossessed due to financial hardship and natural disaster. The amount due on the vehicle was partially obtained through auction. The remaining amount was sold to a debt collector ( XXXX XXXX ). That remaining amount was settled, paid and issued for deletion. I contacted San Tander consumer to try and update the account with my letter of satisfaction. I requested that the account be removed from my credit report as they have managed to obtain the money owed on the car. They replied and stated they will do no such thing and hinted that I was asking them to do something illegal. They would not accept my letter of satisfaction of payment and would not work with me on the matter. I explained that if they received the money it should not be an issue to update my credit report if not a full deletion of the account. They said they will not do it. This account reflects on both my wife 's and I credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Morning, today I am apllying for a mortgage loan for my new house and was informed of my XXXX XXXX. Shocked that they were so low I saw the statements that Sears had sent in late fee notifications in XXXX XXXX and XXXX of this past year. I paid off my Sears credit card in the amount of {$3500.00} back in XXXX of XXXX. I have not used the credit card since! I called the first time and got a nasty lady who told me there were purchases made to XXXX on XX/XX/XXXX and XX/XX/XXXX. I do not have an XXXX account it is under my wifes name and do not even have an updated credit card. The lady told me she cant do anything because my account is closed. I then called a second time and spoke to a gentleman who stated they cant help me unless I send a letter with all my personal information full social mailing address with why I am disputing these. I never received any letters from the company about charges or late fee letters. These reports are affecting my mortgage rate on my house over a purchase I was informed was under {$100.00}. If I knew about them I would have called immediately!!! I am very angry they offered me no help with my disputes over the charges of a credit card I have not used since XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation