vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Management, Inc
State: WY

Complaint narrative:
I have recieved repeated calls every other for the last several months from a debt collector by the name of Sunset Finance XXXX XXXX XXXX XXXX, GA XXXX. Earlier this morning on Tuesday XXXX, XXXX Sunset Finance made there first call at XXXX. I work in the mornings and missed there first call but reconized the area code as a XXXX number and immediatdley picked up the second time they called at XXXX. The debt collector introduced herself as XXXX and said she was with Sunset Finance. I tried to inform her I was at work and now was not the best time to talk. She still proceeded to talk over me about the account and barely gave me a chance to speak. I then tried to inform XXXX that if the calls were to persist in the back to back manner then the best form of communication for me would be mail from here on out. XXXX was very agressive and heated with me for the rest of the call and informed me I will have a warrent placed against me for stealing property across state lines. After making a clear threat towards me to obvisioulsy scare me I still refused and she then hung up the phone.

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 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CA

Complaint narrative:
Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from XXXX XXXX XXXX threw Experian XXXX XXXX. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.

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 2023-02-28 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: TX

Complaint narrative:
Experian is committing Identity Theft by reporting accounts without Permissible Purpose with the following accounts reporting to my consumer report. I have disputed within for nearly a year, and have not achieved any results. 

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 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 I have submitted an identity theft report on identitytheft.gov.

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I opened two business accounts. When opening these accounts ; I was asked if I wanted over draft protection. I chose to opt-out of this practice as it normally includes fees. 
However since XX/XX/XXXXXXXX XXXX XXXX I have been charged {$1500.00} on one account and {$1800.00} on another account. For a total of {$3400.00}. 
According to the bank when my deposits are in pending ; they allow my debit card to approve transactions. However, the funds are not technically available so I am charged a fee. 
This does not seem fair to me and was not explained when opening these accounts. As I made it clear when opening that we did not want to incur any overdraft fees and to opt us out of anything with overdraft protection. 
I do a lot of online payments with XXXX, XXXX and XXXX. So when these funds are transferred to my accounts they are available. However, they are not in my current balance ; just my available balance. 
If a fee will incur when I am using my funds ; my card should decline. Especially since I opted out of any overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This past week, XXXX medical collection accounts were placed on my credit report. The company listed on the report is Central Portfolio Cont, and the amounts are {$3900.00} and {$1300.00}. They say the original debt was to a XXXX XXXX XXXX- which is a medical facility in the XXXX area that I have no recollection of ever going to, and has been out of business since XXXX. I tried to see who purchased the hospital after it closed, and apparently that company has filed bankruptcy and I am unable to get any proof of service, detailed medical bill or proof that anything was charged to my insurance because of it. This debt is wrong - I have never been to a hospital by this name, or at this location and I have never been made aware of this debt previously, and can not contact anyone to actually prove this debt is valid. I don't even know what dates they are claiming that I had service there because it says on the date of account opened XX/XX/XXXX which is years after the hospital was closed. In addition, being a medical debt, this should be removed as a XXXX violation on my credit report. I have already filed a dispute with experian where I found this on my report and am reaching out to my legal aid team to see what further can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This is a dispute of the consumer against BMW Finance Services NA LLC, XXXX XXXX XXXX XXXX, XXXX XXXX BMW, XXXX XXXX BMW and XXXX XXXX XXXX XXXX as well as all named parties including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing this complaint in good faith. I discovered billing error ( 15 U.S.C. 1666 ). I realized that I was not in honor while using debt to pay a debt. I am to use my extension of credits. I know that the has a dividend check attached. Some disclosures were kept from me. I realized that credit was extended to me and taken or held in an unfair, fraudulent and deceptive way. I realized the whole lease contract is in question and that securities fraud appear to exist in this relationship between myself and XXXX. I may choose to bring suit against XXXX and the responsible parties who signed the security exchange commission forms ( XXXX, XXXX, etc. ). I also found several violations of securities act of 1933 as well as the securities exchange act of 1934. I would most likely have to request an audit via IRS. I found violations of not only securities violations, but also identity theft, mail fraud, language fraud as well as numerous federal and state violations against myself. I know according to law i have the right to rescind on a fraud contract. Law states no adverse actions can be used in retaliation of a billing error complaint. 

The law states that there is no limit on contract fraud. I know according to law that I may file a complaint with the CFPB, Attorney General, Comptroller and the FTC to retrieve remedy. 

Based on the amount of fraud found in what appears to be a one party contract agreement with no equal exchange.I no longer give BMW Financial the rights to keep the proceeds and want all my securities. I feel i was discriminated against under the Equal Credit Opportunity Act and Consumer Credit Protection Act as well as deceived by the use of unfair and abusive practices. 

I would like documental evidence of who the co-signer signed for if not for spouse. 

I would like to see original copy of application, promissory notes, any and all documents with and without my signature pertaining to our relationship stating with credit application and not limited to transfer agreements of securities, notes, etc. ) I would like proof of origin of funds and credits. 

I would like to receive and keep the title, mco and you may not have security interests as I have already given you a security. 

I would like a true bill because I realized that I have only received statements of interests and credits due to me. I would like all credit, a return of all previous payments, proceeds, down payments, full value of property and finance charges electronically transferred to my bank account or via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
This is outrageous XXXX acct XXXX is making false complaints I was trying to fix this in different ways and keeping taking money for my direct payment bank account at the end I talk with some one to stop this and theyre ended with this complain when I own XXXX Ill go to find out how to stop this swindle or cheat thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been hit by XXXX hardships. I have managed to maintain my payments. I got a minor " covid relief '' payment reduction breifly in XXXX  from them. I then entered a credit payment program with XXXX XXXX XXXX for other cards I had. I tried to enroll this account as well and was denied. They stated that I couldn't enroll in another program because I had already received help from them, which had already ended. I was told I had to wait 1 year from the time that their relief program ended to enroll in another program. Over a year had passed and someone at the company told me it had been over a year and I should try again. I tried again and was denied. I also tried to have my XXXX lowered and was denied. When I spoke to a supervisor about it they told me I still couldn't enroll the account in my debt program with my XXXX XXXX XXXX program because of the very short, and limited help I received from them for " covid relief '' and that they couldn't tell me when the account would be eligible again. All I am trying to do is pay them back. I have no job and haven't worked for over 3 years. I was on unemployment and then XXXX. Now I have no income at all. I need help and they are taking advantage of me using a loophole to deny me the help I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TX

Complaint narrative:
On ( XXXX XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
Greetings my complaint is driven by Capital One lack of respect do to me, As a Consumer, I have rights so I choose to exercise them. I contacted Capital One to inform them of the inaccurate reporting of my private information and how continuing of such reporting would be against consumer law and an act of fraud as I will prove to you also There are XXXX alleged debts that they are reporting on my consumer profile both are Collections according to my XXXX Profile, I have disputed these accounts numerous times with XXXX and they refuse to Delete them, they always give me the same answer Verified, Only I can Verifiey something. Now Only on my XXXX profile are these accounts being reported I disputed them with a couple others reporting agencies like XXXX and XXXX XXXX and they deleted them ( no problem!!! ) so after so many failed attempts I reached out to Capital One on the XX/XX/2023 which I will attach ( Now that alone should be enough reason to show that the information is indeed inaccurate because the same information is not being reported across all the other third-party reporting consumer agencies, and only 100 % accurate information can be reported according to consumer law that's grounds for deletion, Also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deeming it illegal because they filled a XXXX and did not inform me. They never sent me a XXXX form to inform me that the alleged debt was canceled and they never sent my XXXX so I could file this income on my upcoming taxes Both alleged debts are as stated XXXX is {$4400.00} and the other one is at {$3900.00} which was originally {$3000.00} and they taxed {$900.00} on it. I filed Identity theft to that charged account because my CC was unlawfully used and they refused to do anything about that and I filed a complaint with XXXX against them and identity theft with identity-theft.gov, when this occurred last year by Consumer law a Creditor can not report an identity-theft account as a Charge-Off on a Consumer report and once again if they canceled the debt by way of Charge-Off then they owe me a XXXX for that alleged debt too. My rights have been abused and misused by both companies Capital One and XXXX for due process by law I need these accounts deleted and Cease and Desist from any and all future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: PA

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

XXXX XXXX : XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2023-02-28 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: CA

Complaint narrative:
I made XXXX claims to Chase and they never followed the procedures of regulation Z and E. 
I sent all the required documents to the bank supporting these claims, but they argued that the fax sent to them was not in good resolution ( they couldnt read it ) So last week, around XX/XX/XXXX I talked with supervisor and I was requested to sent all again trough secure message to reopen the cases. 
XXXX is for merchandize not received and XXXX  is same situation but the merchant sent me a refund receipt ( but they didnt fund my account ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My credit karma money spend account received XXXX tax refund on XX/XX/2023 from the IRS .I had a negative balance before and received emails telling me to add money to reactivate my because it was on hold due to being negative. it's been well over week and i been told to wait for a so called higher department review. there has no access to this supposedly ..support is unprofessional and not helpful I feel there holding my funds from me for unknown reason. I was depending on last week they have they have escalated it on the XXXX but still haven't received a response from credit karma.

Company response to consumer: Closed with explanation