vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
No notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws.Violation concerning not stated on letter sent Right to Dispute. Also not made aware or given the opportunity of right to remedy " charge off '' which is a violation of consumer protection 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Around XXXX my account became compromised and closed from the fraud. 
I accidentally fell for a scam that had me put {$2500.00} worth of invalid checks that would bounce. I was then asked to send the money to someone to help take care of their child 's caregiver. I felt like something was off and reported the fraud before the checks could bounce. 
I reached our to Bank of America to notify them of the fraud since their automatic system did not stop the deposit of 5 {$500.00} checks until after almost {$3000.00} was already scheduled to deposit. I deposited a valid {$1600.00} check from XXXX that they tried to tell me was a fake check. 
I've followed up for two months and Bank of America is insisting I pay for fraud I reported despite their coverage liability and inability to act. They have held my accounts in closure for two months and have not contacted me about the held funds. Despite contacting and asking for a time line or any future steps, I was told that I simply have to wait. And despite being a victim of fraud, they have yet given me any time when I may get the funds or when the accounts will close.

I've been unable to open new accounts but can't use any other banking institutions due to their report on XX/XX/XXXX. Overall, Bank of America has not held up to their fraud prevention and have left me stranded in trying to find a resolution.

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 monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
During the last one to two years, I have disputed trade lines from XXXX that are listed on all of my credit reports. Each time I have disputed, the items have all come back verified. XXXX, TransUnion, and XXXX have never disclosed to me their method of verification for these alleged debts. The credit bureaus have each used stall tactics such as claiming that I am not sending disputes on my own behalf despite me sending hand written letters on lined notebook paper in my own hand writing with my own signature. The credit bureaus have also attempted to have me perform disputes over the phone in order to get me to relinquish my consumer rights per the FCRA. The credit bureaus continue to circumvent my requests for method of verification. These alleged debts have remained on my credit reports which has adversely affected my credit profile and credit scores.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
During the last one to two years, I have disputed trade lines from XXXX that are listed on all of my credit reports. Each time I have disputed, the items have all come back verified. XXXX, XXXX, and Equifax have never disclosed to me their method of verification for these alleged debts. The credit bureaus have each used stall tactics such as claiming that I am not sending disputes on my own behalf despite me sending hand written letters on lined notebook paper in my own hand writing with my own signature. The credit bureaus have also attempted to have me perform disputes over the phone in order to get me to relinquish my consumer rights per the FCRA. The credit bureaus continue to circumvent my requests for method of verification. These alleged debts have remained on my credit reports which has adversely affected my credit profile and credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not 29. 

Many customers are having this issue with this company as they are violating. They are reporting my account XXXX days late and it is incorrect and both BMW FINANCIAL AND XXXX, XXXX, XXXX IS XXXX TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED BMW IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
upon me reviewing my credit reports i discvored these accounts on my credit reports XXXX XX/XX/2023 i filed an FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
upon me reviewing my credit reports i discvored these accounts on my credit reports XXXX XX/XX/2023 i filed an FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. This was requested since XX/XX/2023 without complete validation request and requirement considered by law

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-10-25 00:00:00
Product: Credit reporting 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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-10-25 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:
account was closed for no reason. it had funds inside, never overdraft

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 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
They wouldn't identify who they were and threatened me with a lawsuit.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is treating a mortgage account as a regular line of credit. 
This practice is causing my debt to credit ratio to increase. 
I took a home equity line of credit to update my house. Each time I use the home equity, since they dont treat it as a mortgage, the debt to credit ratio increases. I intend to use the full loan to upgrade my home. When I do, my debt to credit ratio according to them will be 100 %. I was denied credit by XXXX XXXX because of this. I spent hours so far trying to get them to use this as a mortgage like XXXX and XXXX are doing. 
This practice by experian cost me money in denial of credit and higher interest on current line of credit. This practice caused me XXXX of lost hours with waiting in line for my phone call to be answered and have the communication dropped. 
This practice caused me griefs and frustration. 
I am a XXXX veteran with XXXX and this situation has taken a toll on my every day health.

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 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have been monitoring my credit report closely in attempts to better my financial situation. I noticed a NEW account that states it was Opened in XX/XX/2023. The company Midland Management is reporting an old account that to the best of my knowledge was closed as I attempted to make payments on this account over a year ago and the website ( XXXX ) stated my account was closed. I do not recall receiving any information regarding this account since then. I assumed the account was closed. They have recently added this as a collection with no notice. I have attempted to dispute this with the credit reporting agencies. I believe they are trying to RE-age this debt. Also I believe the total amount is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I recently submitted a complaint to Navient. The response that Navient gave suggests I take an action that may have negative consequences.

Navient suggested consolidation but this action according to the federal student aid web-site has potential downsides such as the following.

Because consolidation may lengthen the repayment period, you'll likely pay more interest over the long run. Any outstanding interest on the loans you consolidate becomes part of the original principal balance on your consolidation loan, which means that interest may accrue on a higher principal balance than if you had kept your loans separate.

You might lose borrower benefits such as interest rate discounts, principal rebates, or some loan cancellation benefits associated with your current loans.

Normally, consolidating your current loans could cause you to lose credit for payments made toward income-driven repayment plan forgiveness or PSLF. However, under the one-time income-driven repayment account adjustment, you wont lose credit for those past payments. This adjustment will be applied automatically to all PSLF-eligible Direct Loans, including consolidated and unconsolidated parent PLUS loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I received a letter dated XX/XX/. From a debt collector. Waypoint resources It says I have a debt from XXXX XXXX. This is false. I called them Waypoint resources on XX/XX/XXXX and stated that. They proceeded to not let me speak and in the letter it said quote ''. Call or write us by XX/XX/XXXX  to dispute all or part of this debt. If you do not, we will assume this is your debt ''. I forcefully stated this was not my debt but the lady kept interrupting me and would not let me speak until I had to just talk over her and told her to record this. It did not say just to mail it but also I could call. They reported it to the all 3 credit bureau and now it's on my credit record. I also told them to never call me again about this matter. They have repeating called my work phone and personal phone now. Here is the information. reference number XXXX account number. for waypoint. XXXX The said debt amount is {$220.00}. which is not mine nor do I claim it. 
Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX XXXX Ut. XXXX. This is the address not he letter. However the address on the credit report is Is out of Texas. 
Please make note of both. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I had my identity stolen. Someone opened accounts using my name, address, phone number, social security number, and banking information. I called all three credit agencies and asked them to put a freeze on my account and to send me my reports. That was in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again last month, XX/XX/XXXX. 

The identity thief lives in my apartment building and has been stealing my credit reports. My landlord and the XXXX Police Department won't do anything about it, they don't believe me. Neither will the USPS because the mailboxes are in the apartment building ( XXXX XXXX and XXXX XXXX in XXXX, ND ) since the mailboxes are on their property, it's not the USPS responsibility to make the mailboxes safe and secure. 
Regardless, I need my credit reports- especially from Equifax. That is the credit report that shows all of the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
I am writing to complain to CIC CREDIT about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, my account was closed months ago but I have never received a check for the remaining funds. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address a concerning matter related to an account listed on my credit report, which has far exceeded the permissible reporting period of seven years. According to the FCRA, this account should have been removed from my credit report long ago. Furthermore, it has come to my attention that this account was paid in full following a settlement, and the company has neglected to send the required 1099-C form, which constitutes a violation of tax reporting regulations. I am compelled to demand the immediate removal of this account from my credit report due to these apparent FCRA violations. This matter has been raised with your organization through a letter sent five months ago, yet it appears to have gone unanswered. I want to emphasize that each FCRA violation carries a potential fee of up to {$1000.00}, and I am fully prepared to seek legal action should this account not be removed within the next 30 days. Please see the attached dispute letter which is dated and time stamped. Remove the following account from my credit report 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 explanation