vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX

Capital One 
XXXX XXXX XXXX XXXX XXXX, Utah XXXX  
XX/XX/XXXX

ACCOUNTS NUMBERS:XX/XX/XXXX, XX/XX/XXXX


MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED,
THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE
PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS
COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA). PLEASE UNDERSTAND
THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM
CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO,
PLEASE DON'T TRY TO SAY THE (FCRA) DOES NOT APPLY TO YOU BECAUSE YOU ARE
NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY
PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES
IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY
DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR
INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT
WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE (F) OF THE LAST SENTENCE OF
THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF
COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD
INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH
DEBTS. FOR THE PURPOSE OF SECTION 16G2F(6) OF THIS TITLE, SUCH TERM ALSO
INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE
OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE
ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE
THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT,
WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE
1681A(2)(B), 15 U.S. CODE 1681B(A)(2), 15 U.S. CODE 1681(A)(2), 15 USC 1692J(A), AND 15
USC 1681E(B).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My account was originally with BBVA, a direct deposit for {$340.00} was sent on my closed BBVA account number XXXX. The funds should have been rejected and sent back to the company. Instead, BBVA cleared the wire on XX/XX/XXXX but never credited my current account. As of XXXX PNC took over and Im getting the run around about my money., I have a Federal Tracer number of XXXX. Which shows funds cleared. I was on hold with PNC on XX/XX/XXXX for 2 hours no one picked up. Then again today XX/XX/XXXX for over 2 hours and have spoken with 5 different people and this has not been resolved yet. They have everything they need to track this wire with the feds yet no one has done a thing to help with locating my funds. I need someone to take charge and to their job. PNC merged with BBVA worse thing that couldve happened. Nobody knows nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
I have contacted XXXX, XXXX, and Equifax directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from Equifax and XXXX stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. 

Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Benuck & Rainey, Inc.
State: FL

Complaint narrative:
Please inform this collection company to immediately cease contacting me at the number listed in this complaint for an alleged debt that they paid pennies for, also, the company makes repeated phone calls for an alleged debt without sending written notification. Additionally, the alleged debt is well past the Statute of Limitations for any further action on. Therefore, this company should not be passing on this debt to another sham collection outfit in an attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
I have contacted XXXX, TransUnion, and XXXX directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from XXXX and TransUnion stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}

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 2021-10-20 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: GA

Complaint narrative:
I checked my credit report on XX/XX/2021 to find that Experian willfully failed to comply with requirements imposed under the FCRA. The FCRA 's purpose pursuant to 15 US Code 1681a ( 4 ) is to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been violated and abused under this notion. I am aware and have provided proof to Experian which was mailed on XX/XX/2021, received and signed for onXX/XX/2021 certified with a return receipt that they are in violation of 15 US Code1681n ( B ) which states that in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
On XX/XX/2021 I submitted a request to Experian for my consumer disclosure for the Experian Asset Verification solution. Instead of sending my Experian Asset Verification consumer disclosure they indicate they have sent my Experian credit report. 

Experian Asset Verification advertises that they are FCRA compliant as their website indicates : " It is also the only solution in the market to be fully FCRAcompliant and adhere to credit bureau reporting and dispute processes. '' Their website indicates : " With the click of a button, borrowers can give permission to access their financial accounts, including checking, savings, 401 ( k ) and brokerage accounts. '' My Experian Asset Verification consumer disclosure would show if anyone has been clicking the button. 

Their website also indicates : " With coverage of 80 percent of financial institution accounts in the United States, lenders can verify assets for millions of borrowers. '' My Experian Asset Verification consumer disclosure would clearly show which of my accounts where they have coverage. 

See attachments.

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 2021-10-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a credit card account with CITI Bank on XX/XX/2021 but had never received the card in the mail. I later spoke to a representative to have a new card sent out only to find that my account had been closed against my explicit instructions to just send me a new card. Now my credit score has been negatively impacted by 23 points as a result.

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 2021-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is an incorrect 30 day late payment reporting for the month of XX/XX/2021 on my Bank Of America Account XXXX with a credit limit of {$1700.00}. This information is false. I have never been late on a payment, it must be some kind of bank error. Please remove this late payment in XXXX and update it to show current.

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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent certified letters to Equifax, XXXX and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by Equifax, XXXX and XXXX and unable to fairly obtain housing, credit, loans or employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP

Complaint narrative:
Vehicle loan was paid off XX/XX/2021 by check delivered via overnight carrier, together with a letter detailing where to send title and lien release. Nothing was received. Did some research and discovered Florida is an electronic title state, so it made sense that nothing was received in the mail. Planned to sell car in XX/XX/2021 and discovered lien was never released. Have spoken with 3 different US Bank employees, each of which acknowledged the loan is paid off. One said I would receive a paper lien release after 3-5 business days, one said the lien release was being researched, and one said she would talk to some people and get back to me, which she has not done. I have called her and she has not returned my call. 3 weeks have passed since my first phone call to US Bank regarding this matter.

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 2021-10-20 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: Automated Collection Services, Inc.
State: GA

Complaint narrative:
Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Collection Receivables, Inc.
State: GA

Complaint narrative:
Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/2021, On my way to work I stopped to get gas. In doing this I opened my account at about XXXX hours XXXX. I noticed that there was a newly opened checking account that I did not approve or have knowledge of. At XXXX hours, I called Wells Fargo banking and spoke to a " banker ''. I explained the issue and she seemed diconcered with the idea that I thought there was fraud. I asked her how this could have happened and she stated that anyone can just open an account online. I found that strange and asked what they would need for that and she said my name and address. I asked her what address was on the account and she in turn asked me what my address was. I gave her my address and she said OK. I asked her to close this account out and I wanted to ensure that my money that I had in the bank was safe. She assured me that the money inside my account would be safe and that they would transfer this out to the " fraud Department '' who would contact me and that the account would be closed out, that it could take up to 48 hours however it was locked. On XX/XX/2021 I found the account was still active and I was still getting alerts on the account for the balance. I then found that there was a second address that was attached to my account. A address that I don't live at and have not associated with for over 9 years. This address was never placed in my name or have any sort of mail or bill delivered to this address. It was a friends address that I stayed with for a month or so prior to him moving out of state. I contacted my mother who is a retired Vice President of Compliance of a banking institute and currently works as a complaint officer. She explained how serious this matter can be. I am at a loss of why Wells Fargo has not taken more action and why there were indifferent yet sure that my money in the bank with attached accounts was safe. I also wonder why after 5 days of brining this to their attention the account is still open and accessible. I have pulled all credit scores and am investigating further however I don't understand how they have let it get this far and not done anything. With their track record I was not sure if this was one of their scams to increase " open accounts ''.

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 2021-10-20 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: MD

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NV

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a account with bank of america in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to bank of america in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.

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 2021-10-20 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: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation