vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Tons of over draft charges due to either late payments or payments pushed through without the money to cover the charge

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX  XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Colony Brands, Inc.
State: DE

Complaint narrative:
Threatening to receive money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXXExpress reported a credit payment as late and dropped my credit XXXX down to XXXX pts. This credit account has been opened since XXXX and has never been late due to this one time due to having no access to online payment system with the company 's website. This creditor has violated my rights... 

In accordance to the fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
On XX/XX/2023 I was forced out of my home making me and my wife officially homeless. I was having so many issues with my money that I emailed them and told them. I also told them my phones at the time had been turned off and the only way to get ahold of me was email. They completely ignored that and I imagine kept trying to call me. On my wifes birthday without any notice with everything we own in that car. Keeping in mind that we are homeless they repossessed our car. They didnt even try to work with us even though they swear up and down that they did again I am guessing by phone which wasnt working. Now they tell me a XXXX Veteran that I have to figure out how to get my stuff. If they said oh hey I am going to repossess your car I would have gladly have gotten my stuff out of that car. We had no warning. I just want my stuff I dont want anything else from them. I have no way and no money to get it myself. Then when you call and talk to these people they are so unprofessional that a person ends up losing themselves and cursing them out. I normally do not do that when conducting business. These people bring the worst out in people. Nobody should be doing business with these people. They shouldnt even be in business anymore.

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 2023-05-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. According to the FCRA and Metro 2 compliance reporting standards information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

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 2023-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
You are in direct violation of the fair credit reporting act many accounts have violated several of My rights. 
15 u.s.c1681 sec 602 a.clearly states I have rights to privacy.

15 u.s.c 1681section 604 a section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 16668 : a creditor may not treata payment on credit plan as lat for any purpose.

Remove these late payments and update these accounts immediately as u are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
They are having people impersonating as lawyers threatening me for money to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the rights to privacy.

15 U.S.C 1681 Section 604A it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-05-07 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: PA

Complaint narrative:
transunion XXXX XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to me i have called the company and the credit bureau about this and i told iam responsible for these accounts. I have not gave anyone permission to use my name of info to apply for credit. 

XXXX XXXX opened date XX/XX/2020 XXXX XXXX opened date XX/XX/2020 XXXX XXXX opened date XXXX XXXX XXXX XXXX opened date 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 non-monetary relief
Consumer complaint received 2023-05-07 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 — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: MO

Complaint narrative:
THIS COMPANY IS NOT A DUPLICATE. At this point KICKOFF you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

XXXX XXXX XXXX NOTE, if KICKOFF can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : EASTERN ACCOUNT SYST Original creditor : XXXX  Balance details 0 % paid off Balance {$270.00} Balance updated - Original balance {$270.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX ontact info Name EASTERN ACCOUNT SYST Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was long time customer someone stole my card and was using it to pay for things Wells Fargo never let me know but when I started checking my online access I called and disputed the charges

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 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Threatening money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: DE

Complaint narrative:
Person threatening me about paying this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT ON MY CONSUMERS REPORT AND CREDIT FILE S DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$9300.00} Balance updated XX/XX/XXXX Original balance {$4900.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Original balance {$4900.00} Monthly payment - Contact info Address XXXX XXXX XXXXXXXX XXXX, WI XXXX Phone number By mail only THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2023-05-07 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: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT ON MY CONSUMERS REPORT AND CREDIT FILE S DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$9300.00} Balance updated XX/XX/XXXX Original balance {$4900.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Original balance {$4900.00} Monthly payment - Contact info Address XXXX XXXX XXXXXXXX XXXX, WI XXXX Phone number By mail only THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT ON MY CONSUMERS REPORT AND CREDIT FILE S DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$9300.00} Balance updated XX/XX/XXXX Original balance {$4900.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Original balance {$4900.00} Monthly payment - Contact info Address XXXX XXXX XXXXXXXX XXXX, WI XXXX Phone number By mail only THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
On the week ending XX/XX/2023 I was pre approved for an Avant credit card. They had to verify my email address as part of the approval, I never received their email. I called the XXXX cust. service MULTIPLE times, and they kept saying " it's your computer ''. No it isnt!! I am receiving emails just FINE!! One of them said that they had an old email address of mine that has been gone for at least 5 years now!! I told them that their " I T '' dept is negligent in not changing me email address to the new one. It keeps defaulting back to the old email and that is why I can not receive an email from them!! Those " kids '' have no clue at all about how computers work!! 

I only have so much time to finish the application process, but they do not know what they are doing at all!! 
And they said MULTIPLE times that they escalated this issue to their supposed corporate office and they would call me, THEY NEVER CALLED ME! They should have had someone from there for me to speak to when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I ordered a tripod on XX/XX/XXXX for {$24.00} and paid another {$19.00} which is aprox 79 % of the total item cost for expedited 2 day shipping. I still to this day have never received the item and I can clearly see it was damaged by XXXX and the delivery was delayed with no update on when this item would be delivered. I called Best Buy approximately a week after I was supposed to receive my item and requested to at least be refunded the expedited shipping fee since I still had not gotten my delivery. I was told a refund would be issued within 24hrs. That never happened and I still have the entire amount charged to my Best Buy Visa Credit card. Today on XX/XX/XXXX at aprox XXXX I called again and was disconnected but received a call back from the Best Buy representative at XXXX and was on the phone with a Best Buy representative for another 27 minutes demanding a refund. I was told by the rep he could not issue a refund and that on his screen the item was delivered which is an obvious lie because Im looking right at the XXXX tracking information which clearly shows the item was damaged and the delivery was delayed with no additional information available. This male phone rep then blatantly lied to me and said that they do not have supervisors when I asked for a manager. I then said I do not believe he doesnt have a supervisor so he then said he didnt know when a supervisor would be available and that a supervisor cant help me anyway. This practice is absolutely absurd and a customer can not be forced to make payments on credit card charges for an item that was never received. My Best Buy card is a visa logo credit card that falls under consumer credit protection laws and I can not be forced to make payments and accumulate interest on an item never received. Please listed to the 27 minute phone call of this employee refusing to issue a refund and flat out lying about not having a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: PA

Complaint narrative:
XXXX equifax XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to me i have called the company and the credit bureau about this and i told iam responsible for these accounts. I have not gave anyone permission to use my name of info to apply for credit. 

XXXX XXXX  opened date XX/XX/2020 XXXX XXXX opened date XX/XX/2020 XXXX XXXX opened date XXXX XXXX XXXX XXXX opened date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: CULLEN/FROST BANKERS, INC.
State: AZ

Complaint narrative:
On XX/XX/2023, " XXXX '' charged my Frost Bank, Texas valid and active checking account with an old, cancelled debit card that had been used for the free trial site which I had already cancelled within the allowable time frame for cancelling the free trial. This charge and date was about a year after the free trial ended. 
XXXX XXXX XXXX XXXX XXXX used an old, cancelled debit card for this transaction. 
Frost, rightfully so ( XXXX XXXX  ), declined the {$59.00} charge but still listed it as " Pending '' on my currently valid and active checking account, but did not decline ( XXXX XXXX  ) the accompanying {$1.00} fee. 
Even though the debit card charged by XXXX was old AND HAD BEEN CANCELLED aboutb a year ago, FROST ( XXXX XXXX ) APPLIED IT TO MY CURRENT, VALID AND ACTIVE CHECKING ACCOUNT. 
I CONTACTED XXXX XXXX XXXXXXXX ) AND THEY SAID THAT THEY HAD NO RECORD OF ANY CHARGES, SO I WENT BACK AND CHECKED MY FROST CHECKING ACCOUNT. BY THAT TIME, THE " PENDING '' {$59.00} CHARGE HAD DISAPPEARED, BUT NOT THE {$1.00} CHARGE. 
IN SUMMARY : XXXX XXXX XXXX XXXX XXXX XXXX USED PREDATORY PRACTICES TO WRONGFULLY CHARGE ME FOR A CANCELLED AND UNWANTED SERVICE WITH AN INACTIVE DEBIT CARD, AND XXXX. FROST ( XXXX XXXX ) ALLOWED THIS ILLEGAL DEDUCTION FROM MY ACCOUNT WITH AN INVALID DEBIT CARD WHICH HAD ABSOLUTELY NOTHING TO DO WITH A YEAR-OLD TRANSACTION HOW MAY A BANK ( XXXX XXXX ) ALLOW AN ILLEGAL CHARGE TO BE APPLIED TO A NEW, VALID AND ACTIVE CHECKING ACCOUNT FROM AN OLD, CANCELLED DEBIT CARD?

Company response to consumer: Closed with explanation