vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS REPORTING.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TN

Complaint narrative:
I am having an issue with another prepaid visa gift card rebate. I am getting fraud alerts and am not allowed to spend my own money. This likely correlated to the velocity limit XXXX has put on their cards to combat manufacturing spending I have had this issue before CFPB complaint XXXX which I was able to be paid out via check after contacting XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX issued a check to XXXX and XXXX XXXX XXXX XXXX from the escrow funds. 

On XX/XX/22 XXXX deposit a check in her personal account in Chase under XXXX XXXX XXXX XXXX account # XXXX. 

Few days later : Check was on hold because it needed more verification. 

On XX/XX/22, XXXX received a letter that her personal Chase account was going to be closed because the check was not verified and sent to the Lost and Protection Department. 

XXXX called Chase asking why the account was being closed and Chase said that XXXX needed to come in person to one of Chase branches to verify his identity. 

After my husband and I visited the branch several times, providing Chase with all the information they were requesting. 
Chase said that they needed a copy of the check cleared from XXXX. 

When we called XXXX from the Chase branch with their representative, XXXX said that they were no longer responsible since the check was clear and paid on their end. 

Chase wanted me to contact XXXX and speak to the person that endorsed the check. 
XXXX said they dont have a department or who to transfer us with that question. 

Six months have pass and we are still trying to get our money released from chase and Chase still doesnt have an answer for us or resolution. and Chase has not released my funds. 

I need someone to help me since my mortgage has gone up due to the escrow shortage and Chase has not come up with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I submitted a complaint to the CFPB on XXXX about a fraudulent account that Bank Of America was reporting on my consumer report. CFPB report number is XXXX. I stated this was an identity theft account and requested the account was removed from my consumer report along with requesting documentation that was used to open this fraudulent account such as the application, identification used, transaction history, and all other documents pertaining this account. On XX/XX/XXXX Bank of America responded back stating they provided a response directly to the CFPB and to me also and to allow a few days to receive the company 's response. I have not received any documentation from Bank of America and this account is still reporting on my consumer report. According to the FCRA 609e as a identity theft victim, I have a right to these documents and they should be sent to me no later than 30 days upon request. I am requesting these documents again from Bank of America, such as transaction history pertaining to this account, the application used to open this account, the identification used to open this account, and all other documents pertaining to this account. Please provide me and the CFPB these accounts within 30 days. If they were sent out before, please provide the date, tracking number, and address used to send this documentation. I have also provided identifications, the police report, the FTC report, and all other documents requested and outlined under 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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Genesis Credit management company has contacted me a number of times indicating that they are collecting a debt regarding for a property management company for an apartment I lived in from XXXX of XXXX - XX/XX/XXXX. I initially received a notice indicating that I owe {$830.00} to XXXX XXXX XXXX. Then I was told I owe over {$1000.00} to Genesis Credit Management. I've spoken to them on 2 separate occasions trying to understand why they believe I owed this amount of money and trying to determine a manageable payment plan while still disputing that I owe anything. I asked why the amount owed jumped from {$830.00} to 1060. One representative told me that they could settle for {$840.00} if I paid that day. The 2nd representative I spoke with today told me that the additional fees were interest fees. I advised that it's not customary for a debt collector to charge interest fees. He indicated that it should state that in my lease. I found my lease. I do not see that it mentions any sort of interest payments on a default in payment. When I told him that I felt I was being bullied and that there was no way I could come up with a lump sum payment of $ XXXX dollars, he twisted my words stating that I said I would never pay anything. If you listen to the " recorded line '' that he references, I state several times that I'm willing to pay what is owed. I requested for the 2nd time with the first being a phone call a month or so ago, an itemized list of what damages are being requested. He confirmed my email address, and told me that he would send me that document. I have received nothing. I'll also note that the company that they are alleging to collect the debt on behalf is no longer managing the apartment complex. I've reached out to the current management company, but they have no records of anything prior to their taking over that property. Therefore, there's no way to know if whatever document they supply is valid. I assert that Genesis Credit management is engaging in unethical business practices. They are trying to force me to pay a debt that they can't prove that I owe. They are charging me " interest '' when there is no documentation of them having the right to do so. They are using their ability to produce a derogatory remark on my credit to make me overextend myself financially to pay a debt I likely do not owe nor can they prove that I owe and have the audacity to charge " interest '' on said debt. This can NOT be acceptable. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance. Was my lender. When I would make a payment they would send me letters saying I was behind on my car loan threaten to take my car several times hardly ever did they post a payment when I would make a payment making it look like I was always behind.. Ended up trading it off just to get out from them and they refused to send the carl lot the title.

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 2023-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper bought my XXXX XXXX  loan about 6 months ago. 
1. They require i request Auto Pay via their App! 
Despite 10 tries and multiple calls, App does not work 2. I sent checks. Never ever had to mail checks to mortgage company. Auto pay is standard 3. They still charged a late fee for an auto pay their representative set up via phone 4. They don't have proper customer support for XXXX XXXX customers So App doesn't work. I don't have time to call them during my working hours. 

Their policies are a conspiracy to charge late fees! No working App, no customer support, chat is NOT a sufficient resource! 
Thus is : Breach of Fiduciary Responsibility by Mr. Cooper Fraud by charging me late fees caused by their lack of necessary customer support. 
Conspiracy as their policies and lack of support result in late fees. That is their goal I've paid mortgages since 1989! No bank has ever withheld support regarding payments. No bank forced customers to go to App No bank support unavailable in my XXXX XXXX  evenings No bank pushes automation ans Chat as a substitute for real needed support They just hung up from my 11th call! 
Stating late fees are part of the contract There would be no late fees if they lived up to their legsl obligations Breach of Fiduciary Responsibility, Conspiracy, Fraud and unavailable support are all justified LEGAL complaints against this horrible Mortgage Lender

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to contact Experian, XXXX, and XXXX about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my 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 explanation
Consumer complaint received 2023-03-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX XXXXXXXX XXXX XXXX Account number. XXXX. Date opened. XXXX XXXX, XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was charged {$4400.00} on my then owned HSBC Bank Debit Card. The charge was from the merchant XXXX XXXX XXXX XXXX. I contacted HSBC immediately about the fraudulent charge on my debit card. They reversed the charge opened a dispute and issued me a temp credit while they investigated the matter. I was issued a new debit card and was told by a rep that i needed to wait 60 days for the outcome.During the dispute they allowed XXXX XXXX XXXX XXXX charge the new debit card two additional times in the amounts of {$2200.00} and {$220.00}. After the dispute was resolved HSBC withdrew the temp credit, saying that XXXXXXXX XXXX XXXX XXXXr provided documentation proving that I had rented a car and was liable. I requested that HSBC send me the documentation that they had as proof. Upon receiving the documentation ; the documentation didn't not contain My Name, Identification or Signature. It had a completely different name, ID and signature. I contacted HSBC immediately to make them aware that the documents they had as proof didn't contain my Name, I.D, or signature. Another dispute was opened and I was told to wait another 45 days. At the end of that dispute I was still held liable. I was told by HSBC to contact XXXXXXXX XXXX XXXX XXXX to have them reverse the charges. When I contacted XXXX XXXX XXXX XXXX they told me they didn't have any account with my name so there was nothing to reverse. I have contacted XXXX dozens of times about this matter. But have been unable speak with anyone who can resolve this matter. I even was promised to be contacted back dozens of times. And to date I still haven't received correspondence. On XX/XX/XXXX I received a debit collection letter from XXXX XXXX XXXX XXXX to collect a debit on behalf of HSBC in the amount of {$6700.00}. This debt is Fraudulent and there is current court proceeding that has been pursued. 

A JUDGMENT WAS ENTERED IN XXXX XXXX CIVIL COURT ON XX/XX/XXXXXXXX  IN FAVOR OF ME AND AGAINST HSBC BANK IN THE TOTAL AMOUNT OF {$9000.00}. IT HAS BEEN 44 DAYS SINCE THE JUDGMENT AND HSBC BANK HAS NOT PAID THE JUDGMENT. I ALSO HAD HSBC BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX WITH AN " INFORMATION SUBPOENA '' SO THAT I CAN HAVE THE MARSHALLS/SHERIFFS PURSUE MY JUDGMENT THE COMPANY HAS NOT RESPONDED TO A COURT ORDER. 

ON XX/XX/XXXX I FILED A " TRANSCRIPT OF JUDGMENT '' WITH THE XXXX COUNTY CLERK. IN WHICH A LIEN WAS PLACED AGAINST HSBC BANK. 

IF JUDGEMENT IS NOT PAID WITHIN 7 DAYS I WILL SUE FOR " TROUBLE DAMAGES '' WHICH WILL BE FOR 3 TIMES THE AMOUNT OWED. THIS HAS BEEN VERY TROUBLING FOR ME. IN TOTAL THIS PROCESS HAS TAKEN ALMOST 4 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The address on this Bankruptcy is inaccurate. I have submitted all documents to all Transunion and all bureaus and have got nowhere.

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 2023-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I got a email about a loan in the amount of XXXX from this company so I called and they wanted me to allow them to deposit money in my account then to send it back by XXXX they wanted my login names and passwords to my checking account I declined the loan because it just doesn't set right with me allowing to send money then they want me to send it back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Edward F Bukaty III
State: LA

Complaint narrative:
Was contacted by Edward Bukaty, Attorney in regards to the alleged debt via mail in XX/XX/2023. In this notice it was NOT specified to only contact by phone or by mail, the company-provided their email address in the header as well. It mentioned responding by XXXX and i did so. I responded to Mr Bukaty via email on XX/XX/2023 to dispute the alleged debt, his association, its entirety in general. Mr. Bukaty responded with having a lawsuit filed XX/XX/2023. Mr. Bukaty was emailed on his business email server at XXXX. Since then one with access to this server has opened my correspondence regarding the alleged debt a total of 13 times the most recent being XX/XX/2023 at XXXX from a XXXX XXXX LA IP address in the city in which Mr. Bukaty practices. Mr. Bukaty and XXXX XXXX knowingly and neglectfully disregarded the dispute and continued to report negative markings on my credit report. No acknowledgment of email or correspondence of any kind was sent to validate their claim. No Contract. No Billing Statements. ( Past or Present ) No Response! Not even a notice refuting my dispute to be frivolous or irrelevant. Mr. Bukaty office acted premature and malicious in filing the law suit. 
It was not until i received notices from 2 bankruptcy attorneys on today XX/XX/2023 i was able to confirm my personal information was listed to the public via court records in a lawsuit. A search on the Court records confirmed this lis pendis as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to Bridgecrest XXXX I am requesting that you provide me with all legal documents that prove the validity of the debt in question. 

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. 

I would like to point out that this account has been closed and the past reporting date has passed. Therefore, if you can not provide me with the requested documentation, I am requesting that you immediately remove this debt from my credit report. 

Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Bridgecrest provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

Sincerely, 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