vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Requested FEMA Disaster Relief to be applied to payments ( XXXX XXXX ) due to back to back disasters and a request to lower payments to {$800.00} due to financial hardship once payments resume. Company has engaged in delayed tactics, unethical practices of requesting evidence of disaster and then providing inaccurate information ( such as manager providing wrong email to submit said evidence ) and then ignoring follow up request while placing account in a repossession status unfairly. Member service representative confirmed email was received and despite not getting a response from their time frame of two business days ( it's been a week ) they refuse to provide any information on who is handling and they continue to add late payment fees onto the account and kept in repossession status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-08-13 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: NJ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution. These errors are severely damaging my credit file and negatively impacting my life. 

The ongoing presence of these erroneous accounts has caused significant hardship, affecting my financial stability. I urge you to conduct a comprehensive investigation into each disputed account and take immediate corrective action. 

It is imperative that my credit report is updated and corrected without further delay. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

I sincerely request your prompt attention and action on this matter. Your cooperation in resolving this issue swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a business credit card with Bank of America since XXXX Every month my closing statement date is on XXXX day of the month. The problem is that the payment due date is different every month. For example, payment due dates for the last 6 months were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
This results of late fee and interest rate charges despite the fact I always pay my credit card in full. When I called to ask for explanation, bank couldn't provide me with rational one, but " but you agreed of this when you open card with us. '' I was told that this is a cycle, which of course make sense regarding the statements closing, on XXXX every month, but the due dates " cycles '' vary from 28 to 32 days, which don't make them " cycles ''. There is no sequence, which cost me money. Instead of explanation I was told that I don't read my bank statements. I was forced to closed my credit card.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Debt Validation Letter mailed to Midland Credit Management on XX/XX/year>. Under 15USC1692 ( e ) and 15USC1692 ( f ) evidence of authorization to seek any claim on me, The XXXX XXXX XXXX to the legal name fraud, was not met. ( Please see all attached documentation : copy of signed and notarized in Truth debt validation letter as well as reply correspondence failing to provided requested Proof of Debt Validation ).

Their " reply '' to my Debt Validation request was hysterical. DO NOT attempt to claim your collection company is not reporting this false information to my credit reports- you admitted it and it has been remitted to the CFPB as proof.

NO CONSENT NO CONTRACT. 
Again, kindly provide me with a Valid Contract including : Full, Honest Disclosure, Equal Consideration for both parties, TWO wet ink human signatures - digital signatures are null & void.

Midland Credit Management also continues to contact me continuously from various phone numbers claiming I owe this debt on my personal phone. This has caused emotional and mental distress. I have opted out several times, stated Cease and Desist in Letter form, while they have continued to contact me regardless. 
YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$50000.00} } per violation for : Defamation of Character Negligent enablement of identity fraud Fair debt collections practices act & Unlawful Debt Collection Practices under 15 USC 1692g violations Fair credit reporting act 15 USC 1681 violations for willful noncompliance, 616 civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Violation of Consumer Rights, A.R.S. 44-1522, Failure to Authenticate Evidence as per Federal Rule 90, Unauthorized Contracts for Collection Services as per 31 U.S.C. 3718 and A.R.S. 12-134, Failure to Provide Signature Certification as per Treasury Direct Signature guidelines XXXX A.R.S. XXXX, and Violation of Natural Person Rights as per 46 U.S.C. 104 and A.R.S. 44-1-215.

Furthermore, Midland Credit Management is in complete violation of The False Claims Act ( FCS ), 31 U.S.C. 3729.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX I called XXXX customer service telephone number XXXX. 
I called in order to have my account verified through XXXX so I could use it to send people money when need be. The representative that I spoke with took me through a bunch of loops In order to verify my account, including putting deposits into certain things to verify my account. Id became suspicious as the amounts were excessive. XXXX for {$700.00} and another one for {$450.00}. they started to ask for another transaction, and I stopped them and told them that I felt that I was being ripped off. They assured me that I would get all my money back. At this time, I stopped talking to them and called my XXXX XXXX  to file a fraudulent complaint. After a few days, they made a decision against me and said that these transactions were not fraudulent. I told him I wanted to appeal their decision and they told me would take at least XXXX business days for them to look at the situation I have been in contact with them every day since looking to find out if they resolved the issue and so far as of today, XX/XX/XXXX, the only thing they can tell me is it is under review XXXX  my financial institution froze my account so I have no access to any of my money. This is my account that I have direct deposit from my job and I need the money to pay for bills rent, etc.. The burden that I have been left with is costing me serious amounts of problems. I have filed a complaint against XXXX and XXXX  on the handling of the situation. I sent my complaint to XXXX  attorney general and I am now filing this complaint here if I was guilty of doing this, I would not be fighting so hard to prove my innocence and to get my good name back and access to my accounts. I know fraud is on the rise and its harder and harder to know when youre being scammed. But I know I did not choose to do this and I need to be redeemed of all monetary that was taken from 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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo Premiere phone line the week of XX/XX/year>. I asked for my call to be escalated to a higher level. Initially they said that wasn't possible without a waiting period to be sent to the " Executive Office. '' I called back again and at that point the representative said she could transfer me to the " Executive Office '' at that moment. I was transferred to someone in the Executive Office WHO WAS IN ANOTHER COUNTRY! I was completely blown away by the fact that this person who is supposedly a part of the " escalation team '' is actually in some other country and HAS ACCESS TO MY BANK ACCOUNT! Given the state of the world, and all the hacking incidents with data breaching, etc. - I was shocked and horrified to find that all my sensitive info ( and potential theft of my funds ) was so easily exposed by an institution we are supposed to TRUST. 

When we see in the news there were breaches in these large companies, it is no longer a surprise to me. They are literally ASKING to be hacked. I would like someone to call me and explain to me how this is OK? Or I will be withdrawing a rather large amount of money and closing my account. 

Furthermore, anyone I do reach ( in the US or outside ) are so poorly trained and never seem to be able to resolve any issues I have. This is ALL NEW for Wells Fargo but they should be stopped from exposing people 's most sensitive information and frankly some people 's life savings.

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 2024-08-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
We had bought the vanilla Gift card from XXXX store and we had tried to use over different merchants online and it seems that card transactions are getting decline despite having balance and active status. We had tried multiple times to call them and there is no option for talk to customer care. We are very dissatisfied with the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX of the XXXX ( phone is XXXX, site is XXXX XXXX XXXX ) stated I opened a policy with them on XX/XX/year>. Policy # XXXX. I never opened a policy. I asked for validation of debt and proof I opened the policy that includes authorization with my signature, and they can not provide me with anything that states I initiated this policy. I disputed with the Collection agency I heard from ( Credit Collection Services ) who is demanding I provide proof of insurance coverage. This is fraud and I do not owe anything to this company.

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 2024-08-13 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: DISCOVER BANK
State: FL

Complaint narrative:
I am ling this FTC adavit to report several separate fraudulent accounts appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX XXXX under the Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX under Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, Discover Bank Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
According to IRS Publication 4681, canceled debt is considered a certificate of indebtedness and is also considered income. Income does not report on consumer reports. Navy Federal Credit Union and XXXX XXXX XXXX is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report. Navy Federal Credit Union is reporting {$16000.00} of canceled debt that is considered income and XXXX XXXX XXXX is report {$1300.00} that is considered income. Navy Federal Credit Union and XXXX XXXX XXXX is also in violation of the Privacy Act of 1974 and I revoke all authorization given verbal, nonverbal, written, or unwritten per 15USC 6802 and am now opting out. Navy Federal Credit Union and XXXX XXXX XXXX have canceled the debt and did not send a 1099c as required by the IRS and are still trying to illegally collect on discharged debt. Because of this violation, the accounts are to be remove from my consumer report immediately due to reporting of inaccuracy. This is a last attempt to resolve the this issue as notices have been sent out on XX/XX/XXXX and have been unanswered.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Public information being shared without my permission. 

This information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681b, there are strict guidelines regarding the permissible purposes for which a credit report can be accessed, ensuring that only entities with a legitimate need may review this sensitive information. Furthermore, 15 U.S.C. 1681 ( a ) ( 4 ) upholds my right to privacy, recognizing that consumer reports must only include accurate and necessary information, protecting individuals from undue harm or disclosure. Additionally, under 15 U.S.C. 1681c-2, there is a provision that mandates the blocking of information that is inaccurate, outdated, or otherwise incorrect in a consumer report. Given these statutory protections, I respectfully request that this erroneous bankruptcy information be investigated and removed from my credit report promptly. Thank you for your attention to this matter.

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 2024-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: ID

Complaint narrative:
US Bank offers an Elite Money Market savings account if you deposit at least $ XXXX in it. When I opened this up in XX/XX/2024, their advertised rate for this account was 4.5 % and right now they are offering 4.25 %. What they do not not highlight is that it is simply a teaser rate and that after only 4 months they would reduce that by over HALF to 2 % while still offering 4.25 % for new unsuspecting customers. It really left us feeling dupped. Sure the fine print says its an adjustable rate but I believe this a set practice of theirs to get large deposits then cut the rate by more than half. I have banked with US Bank for many decades and used them for my personal accounts, mortgages, and several businesses but I will be pulling ALL my accounts from them and cancelling all my credit cards. This is not the ethical institution I believed them to be. I wish other customers could be warned about this before getting tricked into it making a large deposit and trusting US Bank.

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