vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened XXXX CD 's - XXXX with about {$5000.00}, the second with about {$10000.00} and the last one with about {$42000.00}. 

I went onto the Marcus website and requested the first CD total proceeds to be redeemed via ACH to my XXXX checking account. 

Then I requested my second and third CD 's to be redeemed via ACH to my XXXX XXXX savings account. 

The first XXXX CD 's were redeemed promptly and flawlessly. The last CD expired XX/XX/2024. My instructions, which were followed flawlessly on the prior XXXX CD 's were IGNORED. I called and had empty promises and one call the agent insisted on contacting XXXX via three way call. 

Due to this unnecessary delay, I incurred late charges on the bills I was going to pay. Therefore I demand 6 % APY interest paid to me from maturity until my XXXX account receives the {$42000.00} ( approx ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Someone Fraudulently applied for a vehicle loan in my name. Ive explained to them that I faced Identity theft and someone has been using my name for the past 4-5 years. I have been trying to get this account removed for the longest, but nothing changed. only XXXX XXXX removed the account. It isn't fair that I am being held liable for debt that was acquired by someone else fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone Fraudulently applied for a vehicle loan in my name. Ive explained to them that I faced Identity theft and someone has been using my name for the past 4-5 years. I have been trying to get this account removed for the longest, but nothing changed. only XXXX XXXX removed the account. It isn't fair that I am being held liable for debt that was acquired by someone else fraudulently.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX pulled my credit report on XX/XX/year> without my permission I didn't authorize them to do so. And also on XX/XX/year> XXXX  bank also pulled my credit report without my permission and didn't authorize them to. so someone stoled my identity and I already tried talking to them both to have it removed from my credit report and they said that they couldn't do it and that I had to contact the credit buereas so I did and they said that they couldn't remove them. And I told them that it was a fraudulent inquiry. So I need to have them removed thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2023 I requested that overdraft protection be removed. On XXXX XXXX, I incurred an overdraft for {$130.00} from XXXX XXXX. I contacted the bank and informed them I removed my overdraft protection so as not to incur any overdraft fees and I did so with assistance from the Executive office. REGIONS bank assigned a customer service agent to my account. She stated she would find out who removed my overdraft protection then get back to me as it would assist her in addressing the issue. Well she got back to me and stated she had contacted the person yet I was notified via mail that recurring charges could not be restricted. This is untrue I have online banking as I went paperless and I never got notification of what she stated. I even reviewed the mailings I got from REGIONS and the mailings were simply solicitations for other bankring products offered by REGIONS. I have now incurred {$180.00} in overdraft fees from this XXXX transaction as each smaller transaction that was presented afterwards I was assessed an overdraft fee.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously requested multiple times to dispute the inaccurate addresses with your bureau. Despite these efforts, they persist on my credit report, which is concerning and unacceptable. 

I can confirm that I have never resided or conducted any financial activities at the addresses mentioned. It is crucial to rectify this misinformation promptly, as inaccuracies on my credit report can adversely impact my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into these inaccuracies and promptly remove the erroneous addresses from my credit report. Furthermore, I urge you to ensure that my credit file reflects only factual and verified information in accordance with the Fair Credit Reporting Act. 

Please provide written confirmation once the necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter and cooperation in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
EXPERIAN IS VIOLATING CONSUMER 'S FEDERALLY PROTECTED RIGHTS, INCLUDING BUT NOT LIMITED TO 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, EXPERIAN is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting and 12 CFR 1016. 10 - Limits on disclosure of nonpublic personal information to non affiliated third parties. Experian is also not reporting accurate information, CONSUMER 'S LEGAL NAME is XXXX XXXX not XXXX XXXX and there should be no other spelling or variation or alias and any account attached to such should also be removed. EXPERIAN IS VIOLATING AS CONSUMER HAS NOT GIVEN ANY WIRTTEN CONSENT OR PERMISSION NOR ANY PERMISSABLE PURPOSE FOR THESE COMPANIES TO ACCESS NOR FOR EXPERIAN TO REPORT. DISPUTED INFORMATION INCLUDED XXXX XXXX  XXXX  ACCOUNT NUMBER : XXXX CLOSED ACCOUNT : XXXX XXXX XXXX  : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL HARD INQUIRIES : XXXXXXXX Inquired on XX/XX/2022 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply concerning matter involving my recent experience with Capital One 360 banking, which has caused significant financial distress and threatens to leave me homeless. I am seeking your assistance to address this urgent issue. 

On XX/XX/2024, I initiated the process of linking my XXXX Bank ( XXXX XXXX ) to my Capital One account. Following this, on XX/XX/XXXX, Capital One made XXXX deposits, each less than {$1.00}, into my XXXX XXXX account, requiring subsequent verification. After completing this verification process, Capital One confirmed the linking of my XXXX XXXX account on XX/XX/XXXX. 

On the same day, I transferred {$5000.00} from my XXXX XXXX to my Capital One 360 checking account. I received an email on XX/XX/XXXX, acknowledging the acceptance of my {$5000.00} payment, with an assurance that the funds would be fully available by XX/XX/XXXX. However, on the following day, Capital One decided to remove XXXX XXXX from the list of approved accounts, citing it as a prepaid card. 

This sudden change is perplexing and distressing, especially considering the extended verification process, successful linking of the account, and the acceptance of my substantial payment. Despite these confirmations, Capital One is now holding my funds until XX/XX/XXXX, claiming it is due to the prepaid nature of the XXXX XXXX. 

This situation has severe consequences for me, as I am currently living in a motel and urgently need access to these funds for housing by XX/XX/XXXX. I feel unjustly punished for a policy I was unaware of, particularly when Capital One approved and confirmed my transactions. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and prompt Capital One 360 to honor the agreement made in the email, ensuring that my funds are fully available by XX/XX/XXXX. This resolution is crucial in preventing homelessness and rectifying the undue hardship caused by this situation. This is not the steps that I wanted to take and love capital one otherwise, but I have made numerous attempts to seek resolution, and not only been met with unwillingness to help but rude management as well so I feel I have no choice but to resort to this. 

I appreciate your immediate attention to this matter and thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account does not belong to me it belongs to XXXX XXXX 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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Im aware section XXXX requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was contacted by LVNV Funding LLC about some alleged debt in my name. I have had fraud on my account through the XXXX XXXX and also by several other methods. When they reached out to me, I was not given notification as required for this debt. As soon as I seen it on my credit, I disputed it and won. It was removed off my credit. 30 days later, XXXX of the said debts re-appeared. XXXX was for XXXX and XXXX. The XXXX was removed for over a year and now has reappeared. Neither debt was verified as requested, I was not given any validation of this debt as I requested multiple times. I asked them to stop contacting me about this debt and they still continue to contact me. How can you remove debt for over a year and then its put back on my credit without verification, proof that the account was properly transferred to their ownership and that they are legally able to collect such debt. I have fought the inaccuracy with All three credit bureaus. This has ruined my credit and life. I can not get a house or anything for that matter. They have the debt as being opened when it should be listed as closed. They have the opened date in XXXX of XXXX, when this alleged debt was opened in XXXX. They have the age of the debt as being 1 year and 4 months old when that is incorrect. They are rotating putting the accounts on my credit. At first both amounts where on my credit and I disputed them. The XXXX debt was token off my credit for over a year. Now they took the XXXX debt off my credit and now putting the XXXX debt on my credit only. Are they allowed to toy with my credit like this? They are posting past due when the account is not past due. At what point are they not allowed to do this, All I ever asked for is verification of debt with my signature and proof they the Authority collect said debt. I " asking if someone could look into this please. Again All i am asking for is verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good evening, I am contacting you today in regards to some inquires on my report that I didn't make, nor did I authorize anyone to make them. I have been trying to call the credit bureau 's, but they are never of any assistance to me. I've not only called a numerous amount of times, but I also mailed them letters. XXXX representative said they'd do it and it'll take XXXX - XXXX hours. once I called again another representative gave me other instructions to follow. I followed the second set of instructions and have yet to see any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the account listed be remove because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

ACCOUNT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have sent multiple emails and requests to wells fargo asking for disputes to be opened up for fraud that has happened on my account. Wells fargo will not return my email or phone call. I have sent multiple letters and faxes to their disputes dept and they will not respond. This is ridiculous. 

I have copies of the letters, faxes, emails i have sent to them with no response. I have also included the police report and they just closed my accounts and will not communicate with me.

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 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, Thank you for facilitating communication between me and Net Credit regarding my formal complaint. However, I am deeply dissatisfied with the response provided by the company, as it fails to address the concerns outlined in my initial complaint adequately. While Net Credit maintains that their lending practices comply with applicable laws, it is evident that the terms of the loan agreement were excessively burdensome and ultimately unsustainable for me. Despite my diligent efforts to make payments, the exorbitant interest rate of XXXX XXXX has resulted in an unjust financial burden, leading to my inability to maintain the account. Net Credit 's response highlights the terms of the agreement, emphasizing that customers are made aware of the fees associated with the line of credit. However, the emphasis on disclosure does not absolve the company of responsibility for engaging in predatory lending practices. The fact that the agreement explicitly states, " This is an expensive form of credit, '' does not justify the exploitative nature of the terms presented. Furthermore, while Net Credit claims to offer repayment options, including the opportunity to contact them for assistance, my experience contradicts this assertion. Despite my attempts to seek alternative solutions or hardship options, I was met with unhelpful responses and no viable alternatives were presented. This lack of flexibility further exacerbated my financial distress. Moreover, Net Credit 's decision to report negative remarks associated with the loan to credit bureaus has significantly harmed my credit score, further exacerbating the financial consequences of this loan. The company 's unwillingness to remove these entries despite the circumstances demonstrates a lack of empathy and understanding of the challenges I faced. In conclusion, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the lending practices of Net Credit, as my experience highlights the urgent need for consumer protection in the financial industry. I request that the Bureau take appropriate action to ensure that borrowers are not subjected to predatory lending practices that jeopardize their financial well-being. Thank you for your attention to this matter, and I look forward to a fair and just resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I enrolled in a debt management plan in XXXX to assist in making payments to payoff Credit cards. After not working for some weeks, I missed XXXX payments where there were no payments sent to Total Visa or Activate Financial. The company had dropped me from the program and never notified the Debt Mgmt company I had in fact been dropped. I had been receiving calls saying I was behind on payments. I called XXXX and they did a conference call to see what was going on and opted to put me back into the program when they advised that I was removed from the program without ANY NOTIFICATION. When I called Total Visa XX/XX/XXXX to get balance, I was told it is currently {$500.00}. The credit limit is {$450.00}. Since I have been paying into the debt mgmt company, I have paid, {$410.00} AND THESE PAYMENTS HAVE BEEN SENT TO TOTAL VISA. Total Visa has been charging me {$41.00} late fee EVERY MONTH, while they have been receiving payments of XXXX every month, VIA XXXX. XXXX XXXX, Total Visa says I owe the amount. THIS IS NOT FAIR. Total Visa did not hold their agreement in notifying the debt management company that I had been dropped from the program. HOW DOES A CONSUMER GO FROM PAYING {$410.00} FOR THE LAST XXXX OR MORE MONTHS TO OWING {$500.00}, WITH A CREDIT LIMIT OF {$450.00}. THIS IS NOT FAIR AND IT IS A RIP OFF TO THE CONSUMER! By the way, the credit card company will show that they were receiving the payments from the XXXX XXXX company. If I have paid {$410.00} and they want me to pay another XXXX, I will have paid them {$900.00} WHICH IS ABSOLUTELY INSANE AND RIDICULOUS. The credit limit is {$450.00} and there have been NO CHARGES ON THIS CARD. The last XXXX digits of my social security number is XXXX. The last XXXX digits of my card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am formally writing this complaint because I noticed a debt collection company by the name of CAINE & WEINER who parked a debt on my credit report. I don't know where this alleged debt came from, I was not given any information regarding this alleged debt, I was not given the opportunity to dispute this alleged debt, and I am aware that this company is not licensed to collect in the state of Tennessee. This company is damaging my reputation and breaching my privacy. The reporting of this account also reflects as incomplete and misleading. There are instances of " ND '' standing for " No Data '' and multiple collection notations shown as " C '' reported repeatedly every month. The FCRA stress the importance of " Fair and Accurate '' credit reporting. I have reason to believe this company is utilizing deceptive and abusive behavior against me. Not only are these violations of the Fair Debt Collection Practices Act but are also violations of the Fair Credit Reporting Act. This debt collection company has no permissible purpose placing anything on my credit reports without following the Debt Collection Rule under the FDCPA first. There was no attempt to communicate from this debt collection company.

Company response to consumer: Closed with explanation