vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request I research these companies to find out who is who.

15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. 

Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an alert from XXXX that a checking account was opened in my name through Bank of America. I contacted Bank of America and they closed the account, but they advised me to put a complaint in with the FTC to help with tracking of these incidents.

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 2022-12-02 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have spoken with the company along with disputing it. XXXX and XXXX has correct but transition continues to make me dispute and send results 30 days later saying the information reported is correct. It had caused my credit score to be low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
Commonwealth financial The amount is {$740.00} The balance date is dated XXXX the XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: PA

Complaint narrative:
XXXX Comericq Bank for my SSDI Beneficiary direct deposits via their direct express card. Set this up so my first deposit would arrive on XXXX I used Comerica Bank in past ( up until XX/XX/ ) before changing banks. Input my card number correctly too. Checked three times. SSA has proof they sent my XXXX SSDI payment to Comerica Bank for deposit. I went to my local SSA office to get printout as proof ( TRACE number XXXX ) XXXX XXXX. Spoke to two different DIRECT Express reps. They can not see my SSDI funds, even though were in fact sent to Comerica Bank. I called direct express cs again at XXXX XXXX XXXX XXXX EDT on XXXX  Spoke to a supervisor. Told me my Direct Express Card number is not active ( Cards beginning with XXXX ). Now use a card beginning with XXXX something something.she is seeing my {$1500.00} SSDI deposit on my new card ( which I do not physically have ). She then transferees me to correct department, but I can not input my social security number, as it is unrecognized. I could not leave a message or leave a request for a callback. So I basically am at impasse through no fault of my own. This company stinks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit calls me every single day. On XXXX separate occasions over the past XXXX I have answered and they have told me the debt is for XXXX XXXX. I have told them each time that I have never had XXXX XXXX XXXX and could not possibly owe this debt. They always hang up and then call back the next XXXX I have tried blocking their number but they have hundreds of them and call every XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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: ERC
State: FL

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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: FL

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. 

CB/LNBRYANT XXXX CCBXXXX XXXX CB/VICSCRT XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I am owed a lot of money back as a refund for all my student loans due to the XXXX XXXX XXXX suit and when trying to call Studnet CU Connect to update address for my refund with them there number says not in service and I want my money back that they committed fraud

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 2022-12-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have spoken with the company along with disputing it. XXXX and XXXX has correct but transition continues to make me dispute and send results 30 days later saying the information reported is correct. It had caused my credit score to be low.

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 2022-12-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2022, I received a notice from a merchant ( XXXX XXXX ) that my Capital One credit card ending in XXXX was declined. 

That same day ( XX/XX/2022 ) I called to check the status of that card and was informed that my account had been restricted. It was unclear as to why my account was restricted and the Capital One representative I spoke with was also unclear on the reason. 

I proceeded to close my Capital One account based on that information on XX/XX/2022. I did so with the representative over the phone on XX/XX/2022. The representative said that once the account was closed, it could not be reopened and that all auto transactions tied to the account would be declined. I confirmed this information and closed the account on XX/XX/2022. 

I received my final statement from Capital One and two charges appeared on the statement - one on XX/XX/2022 from XXXX XXXX XXXX XXXX for {$52.00} and another on XX/XX/2022 from XXXX for {$2.00}. Both charges occurred after the closing of my account on XX/XX/2022. 

Giving Capital One the benefit of the doubt, I paid the statement on XX/XX/2022 assuming the charges were processed before XX/XX/2022. Following the payment of the statement, I received notice from each merchant XXXX XXXX XXXX XXXX and XXXX - that the payments from Capital One had not been applied. 

I called XXXX XXXX XXXX XXXX to inquire why the payment had not been applied and they stated that they ran the card three times on XX/XX/2022 and each time it was declined. XXXX also sent a notice via email that the Capital One credit card was declined. 

Having already paid Capital One for these costs that were never given to the merchants, I called Capital One to sort the issue out. I spoke to several representatives and no one understood the situation that I paid Capital One for services they did not render to the two merchants. I was told to fax my complaint with supporting documents to Capital One, ( documentation of Fax receipt is included in my documents ) but I didn't receive a response or resolution. 

It is necessary that Capital One refund me for my overpayment of {$52.00} or send payment to the merchants. I have included a statement from XXXX XXXX XXXX XXXX showing there was no payment from Capital One to my account in the amount of {$50.00}. I have also included a copy of the email from XXXX outlining the decline of my Capital One card in the amount of {$2.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 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: AZ

Complaint narrative:
Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.

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 2022-12-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.

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 2022-12-02 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: Self Financial Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , for committing identity theft. I have never given XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC , can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX  SELF LENDER C/O SELF FINANCIAL , INC , will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion , theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: KY

Complaint narrative:
The following hard inquiries should be deleted. Inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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: SC

Complaint narrative:
I maintain an account with Capital One which is a credit card account. This card earns rewards and I have have approximately {$300.00} in rewards fairly earned under the Card 's Terms and Conditions. Approximately XXXX weeks ago I received a notification that the card had been cancelled and the rewards had been taken from me by Capital One. Although Capital One via " XXXX id XXXX '' states I was provided notice of these potential cancellation, I did not receive any notification of the pending cancellation and forfiture of the rewards points. XXXX further mentioned that I supposedly had received a letter but she had no proof of that and when I requested the Terms and Conditions she stated that she had " Technical Issues '' prevented her from accessing any options to retrieve these and unless I held on indefinately she would not provide this information. 

It appears that without warning or justification Capital One took the opportunity to confiscate fairly earned rewards. Furthermore they can not document that they wrote or communicated with me their intention when it could have been remedied and lastly they can not communicate me a process or any other means to validate their notification or other requirements to forfeit rewards while the card was in good standing. I have spoken to XXXX and others at Capital One and they tell me their decision is irreverrsible and the points forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: SC

Complaint narrative:
US department of education XXXX. It says owed {$2300.00}. I did not authorize this account. I dont know who opened this account in my name.

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