vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems has violated several of my consumer rights. Specifically, they have failed to validate a debt at my request, which is a FDCPA violation, and have continued to report a disputed debt to the Credit Bureau ; another FCRA violation. 

Three certified letters were sent and received by the company requesting debt validation and they have failed to produce evidence of a contract bearing my signature and proof that the debt is valid. 

Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX XXXX  XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in receipt of a letter dated XX/XX/2022 from Equifax Information Services. In this letter they are requesting a copy of my drivers license, my social security card and utility bill. I HAVE since 1 or 2 months ago already send all 3 of these identification documents... several times! 

Equifax has continued to dodge my request for corrections on my report. This time is a tactic for claiming that they haven't received any of my proper identification documents. They have. Several times over. 

I find it pitiful that a company like Equifax gets away this type of treatment to their customers. 

I have sent NUMEROUS letters to Equifax over the last several months and each and EVERY time I have included the identification documents. 

Equifax has NO excuse. 

Please investigate this matter CFPB. 

I've had enough. 

All I want EQUIFAX to do is to FIX all the errors my credit report from incorrect names to inquiries to lates. 

Equifax STILL has the wrong name for me. 

My name is NOT XXXX XXXX XXXX My name is legally XXXX XXXX as stated on all my documents ... my drivers license, my social security card, and my utility bill. 

Equifax has all the proof they need to fix this error. 

This problem with fixing my name and other errors my Equifax report is causing my credit score to not be fixed and I'm also being denied other credit opportunities. 

Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Comerica
State: IA

Complaint narrative:
I receive payments from the VA in VHA which are being withheld by Coamerica bank without my knowledge me in without reasoning to why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Signature Bank (NY)
State: PA

Complaint narrative:
I Wired {$24000.00} to XXXX XXXX, XXXX on behalf of Signature Bank on XX/XX/2022. I forgot to add my account identifier XXXX to the memo field and I informed Signature Bank with a phone call to look into my wire. The Branch manager at Signature Bank refused to even look into it and told me to contact my bank. My bank simply said all Signature bank has to do is look at the wire tracking # ( same as fedwire # ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Credence Resource Management LLC Corporation Service Company XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : The Office of Registered Agent for Credence Resource Management LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section XXXX XXXX XXXX XXXX  ( a ) ( XXXX ) 15 U.S.C. 1681s -2 ( A ) ( XXXX ) they have violated several of my right with no regard of congress making these laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person. I am a human being. I have rights under 15 USC 1681. Equifax is it given by 15 USC 1681 and they violated my rights numerous of times. I demand accounts below to be removed because according to 15 USC 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank closed multiple credit card accounts, many with rewards that disappeared with the account closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Galaxy Capital Acquisitions, LLC
State: MI

Complaint narrative:
I am guessing that this account was sold to Galaxy International Purchasing , LLC under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
After having my phone stolen in XX/XX/XXXX, I notified my credit card company and asked that the card be suspended which they did. I was told at the time by a credit card company representative that I could subsequently reinstate the card when I was ready. I was not informed at the time that there would be a time limit within which I would need to take that step. 

When I went on line today ( XX/XX/XXXX ) to pay the balance of a different credit card that I have with the same company I saw that the suspended card account had been closed. I was carrying no balance on the card and there were no unpaid charges on the card. 

When the suspended card account was permanently closed, the credit card company, Capital One, eliminated the XXXX membership points I had associated with the card. I value these points at over {$1000.00} when used to pay for purchases or transferred to membership point partners. 

In discussing the issue with a Capital One representative today, after the account had been permanently closed, I was told that the company had notified me of their intent to close the account. I did not receive this notification prior to the permanent closing of the account and was only able to find the original communication subsequently. 

Of note, the original communication was not in the text of an email. Rather it required me to go to a website link in order to view the document. I have been avoiding these type of links since the original fraud incident due to my concerns about unauthorized access attempts on my email and other accounts. For this reason I did not receive the notification prior to discovering that the account had been permanently closed. 

At no time prior to the closing of my account and elimination of my points did I confirm to Capital One that I was aware of, or consented to, their intent to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
It happened XX/XX/22 for XXXX dollars. Chase Bank called to inform me that fraudulent charges were billed to my account and was advised to change my email account password. My accounts with chase were suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no XXXX could send me paperwork no XXXX could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last XXXX  years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the XXXX year that I've been doing this with you guys so I'm tired of checking for typos for you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or about XXXX XXXX, I attempted to make a {$10000.00} deposit to my XXXX XXXX XXXX from my checking account at USAA from within the XXXX app. I received an error message that stated it couldnt be processed and to try again. I checked my USAA account, saw no monies missing and re-attempted on XXXX XXXX and was able to deposit {$10000.00} into my XXXX XXXX XXXX. On XXXX XXXX, I received an email from XXXX XXXX stating that my deposit had been returned due to NSF. I realized that the transaction I thought had been unsuccessful was actually successful and it had attempted to withdraw the money twice which resulted in the NSF ( despite there being only XXXX withdrawal from my USAA account and XXXX deposit to my XXXX account ). 

I immediately called XXXX and was reassured that my money had already been sent back to USAA. I called USAA after speaking with XXXX and was told that because it was an external institution, the return of my funds could take XXXX business days. I called USAA again the following Monday ( XXXX XXXX ) for an unrelated reason and also spoke to banking. I was again told to give it another day or XXXX. I spoke to USAA again on XXXX and was told by a representative that it actually can take XXXX business days for my funds to be returned and that I had XXXX options : either wait until Friday, check my account and call again if needed or the representative could go ahead and create a work item to figure out where the funds are. I opted for option XXXX. I checked my account Friday, XXXX, and still no funds. 

I called USAA on XXXX to check on the status of my work item and was told that they had closed my ticket and I was not informed. The USAA representative said that I needed to get a XXXX trace number from XXXX per their request. I called XXXX and was given both their trace number and the USAA XXXX number. I then called USAA again and was able to create another work item for them to find my funds. 

I just received another notification ( XXXX ) from USAA saying they need another trace number ( already given ) and/or to reach back out to XXXX despite them having already released the funds back to USAA. 

It is now over XXXX weeks since the initial transaction and neither bank is being helpful towards me with getting my money back. This whole process has been entirely unnecessary and should be significantly more simple than it is. I made a test deposit from my XXXX account to my USAA account and the money was in my account same day. It is unacceptable that XXXX weeks later, I am still missing {$10000.00} because either company has not sent the money back or they have not routed it back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are XXXX addresses that are not correct and XXXX accounts with wrong information and dates and amounts that are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received a letter from Discover saying my application for a Discover Bank was canceled. I NEVER opened an account. I have so many alerts ( freezes ) on XXXX, XXXX and XXXX. I also have XXXX, XXXX XXXX  XXXX and other measures in place and accounts are continuously being open!!! This needs to stop!! They are being opened under my maiden name and being sent to my old address from over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My boyfriend and I went on a XXXX XXXX cruise from XX/XX/XXXX to XX/XX/XXXX. I had lost my XXXX XXXXard ( As described on the XXXX XXXX website ; " An Onboard Expense Account, also known as your XXXX  onboard account, is the cashless system used for all onboard purchases and services. Depending on your ship, XXXX cards are handed out at the pier or will be in your stateroom waiting for you. The account can be set-up with either a credit card, debit card or as a cash account during check-in or at the pier. You can also add guests from your stateroom or another stateroom as authorized purchasers on your account. For each purchase made onboard the ship you will receive a receipt. A preliminary statement will be delivered to your stateroom on the day prior to the final morning of your cruise vacation for your review. A final statement will be e-mailed to you shortly after departing the ship on the last day of your cruise. If you set up your account with a card, shortly after departing the ship on the last day of your cruise, XXXX XXXX XXXX will automatically post the final charge to your card on file. Guests on a cash account will need to settle their statement onboard prior to disembarking. '' ) In other words, whenever I used my XXXX card, my debit card would be charged. The worst part about this is there is no pin or other security in place. Anyone can swipe the XXXX card and Id get charged. This is exactly what happened with me. I lost my XXXX card on the ship and while my boyfriend and I attended a shore excursion, someone found my XXXX card and charged {$1200.00} to it. Chase even sent me a text message asking if it was fraud. I responded with yes it was, so they closed my account and sent me a new card and I wasn't charged. XXXX solved right? Nope. On the last day of my cruise when I was leaving to go home, they said my bill had to be settled. They wouldn't let me off the ship. So I had to willingly ask them to charge the {$1200.00} again b/c they threatened to contact the authorities if i didn't pay. It was the last day so guest services refused to investigate. This was fraud. Plain and simple. When I opened a case, Chase coded it with an incorrect reason : " the card was charged more than once ''. NOT fraud.. so the dispute was revolved around that fact and they saw my card wasn't charged more than once ( i knew that, that wasn't the issue ) and they closed the dispute. The agent who initiated the claim did not do their job correctly and now I am being penalized. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I am guessing that this account was sold to XXXX XXXX XXXX, XXXX under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation