vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I recently tried to deposit a {$10000.00} check advanced against my XXXX  at another bank into my checking account at Chase. Chase automatically placed a 2-week hold on the full amount of the check. In speaking with the holds department on the phone, the representative acknowledged that, per regulation, {$200.00} had to be available immediately and {$5000.00} within 2 business days, but they failed to release any part of the hold. Two days after the other bank had verified the transaction on my behalf, I had to have a conference call between the two banks in order for any amount of funds to be released. 

I just tried to deposit a {$4000.00} cashier 's check, which is part of the payment for a private-party car sale, and they told me they would be placing a hold on the full amount, and I would need to speak to someone in the holds department again. I did not complete the second deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, This is a complain for Capitol One Credit card I have. 

During the football season, I used a sport app XXXX XXXX XXXX XXXX. It has an advertisement for free picks. I went in the link and ended up spent {$250.00}. I was able to register and made some bet including free bets though I didn't save the info because I was using a work computer. I was expecting email confirmation from the web XXXX XXXX. I didn't get any mail. I went back to the XXXX XXXX  XXXX app to get in but the ad was gone. I checked the credit card state statement and it only have a description of XXXX XXXX. No contact info. I went to web to search and nothing came up so I filed a dispute with Capitol asking for help. It was XX/XX/XXXX. I told them I don't have a way to contact the other party. In XXXX I called back to check and credit {$250.00}. Then i find out they charged again in XXXX. I called in, they said the other part told them i used the web so " good was received ''. I have to explain the whole case again. They want me to submit supporting document even though I don't have anything. So wrote up a letter to explain the case. Nothing happen. I called in in XXXX. They told me I listed the case number in the letter but there is no amount and signature. I submitted another letter. Nothing happened. In XXXX i received a letter telling me I received the goods so they reversed the charge. I can file complain to review until XX/XX/XXXX. I called in XX/XX/XXXX and they told me the case is closed because time expired. 

I was frustrated because I have to keep calling in to get status. They said they sent me letters but i didn't get them. XXXX XXXX has to do with this or the guy next door has the same name but they could have go with email for these time. I told them over and over that i don't have anything on my end to contact XXXX. I am ok with the charge as long as I have the account back. There is money unused in the account. I even ask the supervisor to review our calls. Even if I used some money on the bets, I am entitled to see the result. I have unused money in the account. In the end, i was told time expired even there is a letter telling me to press further until XXXX. 

The agent was nice and supportive but i don't think they understand what i need. I was nice and trying to be patient but was upset by the end when they told me time expired. It was unprofessional they way they handle this case. It's a small amount but want justice in this case. All my call are recorded. If any supervisor listen in, he/she would know that i don't have way to get my account/money. They should have help me instead of telling me to go ask XXXX for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
As a federally protected consumer, I am highly disappointed and unsatisfied with Resurgent Capital Services. My name is XXXX XXXX and I am making this complaint against Resurgent Capital Services for committing identity theft. I have no recollection of authorizing or giving Resurgent Capital Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Resurgent Capital Services. As of XXXX XXXX, 2022, I have not received any documentary evidence, such as a trilateral contract, giving Resurgent Capital Services any right to collect on this alleged debt. I have also never received any documentation requesting validation from Resurgent Capital Services before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. Attached you will also find correspondence from XXXX XXXX XXXX, whom you chose to buy this alleged debt from, notifying me that I AM NOT RESPONSIBLE FOR THE ACCOUNT BECAUSE IT WAS A RESULT OF IDENTITY THEFT. SEE EXHIBIT A. If Resurgent Capital Services can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Resurgent Capital Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If Resurgent Capital Services continues its collection efforts, I will file for arbitration and Resurgent Capital Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX  ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX that apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX that apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX ( Issuers of card ), they have no record of this account. Filed a dispute with Experian- it was denied because I filed an earlier dispute with XXXX XXXX that  apparently did not resolve the issue. Experian denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


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 2022-07-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Please REINVESTIGATE. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MO

Complaint narrative:
Please REINVESTIGATE. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.

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 2022-07-15 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-07-15 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Received XXXX emails on XX/XX/XXXX at XXXX indicating a wells fargo checking account was opened in my name. Called wells fargo on XX/XX/XXXX at XXXX and opened a case to investigate, freezed the account and in the process of having it closed.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed inaccurate information that's on my credit report my XXXX XXXX XXXX opening date says XX/XX/XXXX on my XXXX and XX/XX/XXXX how can my information be verified and it's reporting XXXX different information my payment history on XXXX and Experian is not accurate with each other and it's not all listed date last active on XXXX is XX/XX/XXXX and Experian it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX XXXX XXXX has inaccurate information date open for XXXX is XX/XX/XXXX date for Experian is XX/XX/XXXX Last active for XXXX is XX/XX/XXXX Experian is XX/XX/XXXX there's no payment history in XXXX how can it be verifed from XXXX XXXX showing different information needs to be deleted immediately violation of the fcra

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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
XXXX sold to Barclays and the transfer process seems illegal. I have been unable to login to my account or use my credit card in a month and I still havent received my new card in the mail ( its been over a month since our cards were closed when the company transferred ) .They closed our cards w XXXX and we never received new ones ( I verified address ). Without new cards we can not create a new online account with Barclays to see our history or make payments. Luckily I had made an early payment on XX/XX/XXXX right before the transfer so I wasnt concerned XXXX the next payment was due XX/XX/XXXX. I knew I was covered. I called Barclays on XX/XX/XXXX to see where our cards were and they assured me they were on their way and to give it 7 more business days. I called back on XX/XX/XXXX since we still did not have cards and spent an hour on the phone. We were charged a late fee bc they said that payment on the XXXX didnt count bc it was made through XXXX  not them, even though it was made on time. They kept assuring me the account wasnt passed due and the late fee would be removed. Well I received my statement today and not only was the late fee not removed- but my account says passed due and interest was charged. I dont know where to go from here. Thank you for any help!

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 2022-07-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXXXXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sent 609 Letter to request actual verification, original signed contracts, verification of ability to collect debt and so own. This was not provided and is a violation of federal law.

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 2022-07-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My wife and I have a cc with XXXX XXXX  XXXX. I was told that there was no hard credit check on the increase of credit limit. Well the customer service person at XXXX was wrong. I want my wifes fico and my fico score to be put back in order. XXXX and experian and the rest told me to get an attorney? what Restore my credit or give me the increase in my limit. I am tired of f ing around. Experian has done what they can. the CC company could give a XXXX. Call me XXXX XXXX XXXX my XXXX dollar card has no balance due... fix it please fix my fico score All of this has taken place over the last week and a half and I am done and sick of the XXXX service XXXX / XXXXrAccount numberStatus XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute

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 2022-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
On XX/XX/22, I received a phone call at a very bad time by Bridgecrest stating I owe a debt, I asked to send me a bill in the mail the lady stated they can't send me any mail the whole situation increased my stress and I decided to write them a letter. On XX/XX/22, I sent Bridgecrest a letter stating to validate a debt they were stating I owe via phone call I didn't hear anything back until XX/XX/22. On XX/XX/22, I received a letter stating I still owe a debt and that I was in possession of their vehicle, they sent me a copy of a contract with another company, XXXX. On it had no indications that Bridgecrest was associated anywhere, not even in the " Third Party Agreement '' section. Also they failed to send me anything regarding what I asked for in my initial letter to validate the debt. I also in the initial letter stated to give me 30 days to review anything they would send and respond. 

XX/XX/22 reports showed up on my consumer report with the 3 major reporting agencies stating that were were in dispute but it's been resolved. It hasn't been a full 30 days nor have I responded yet to the information they sent me. 

On XX/XX/22, I sent a letter to Bridgecrest stating I'm not refusing to pay I just would like proof it is them in fact that I owe money to. XX/XX/22 I walk outside and the car was missing from the drive way. This caused a severe inconvenience to me because I was then late to a very important place I needed to be this morning! I called Bridgecrest to ask if they had anything to do with this and they stated they have started a repossession process. 

I received no notice, no letters, and this account was still in dispute! I had personal items in the vehicle that was needed for this morning and had no idea where the vehicle was! 

XX/XX/22, I sent an Affidavit to Bridgecrest cc'ing the CEO, CFO and the Attorney General. These matters has drastically been effecting me and my family and causing a number of stress in our lives as we are awaiting a baby and I need transportation to take her to and from hospital appointments.

Company response to consumer: Closed with explanation