vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc.
State: KY

Complaint narrative:
We have been contacting XXXX XXXX at XXXX, for several months, requesting the termination of our membership. Weve owned this for over 10 years now and it has not benefited us in any way. Weve poured thousands of dollars into XXXX XXXX at XXXX because we were told that travel would be made easy and affordable, but it hasnt panned out that way whatsoever. The fees have steadily increased, but the improvement of services and quality has been very minimal. In the midst of us requesting the termination of our membership they sent our account to a collection agency, Aspen National Collections. Dealing with a collection agency is something unprecedented to us and it was very, very upsetting to receive such a notice. Weve paid XXXX XXXX at XXXX dutifully for years and their disregard for long standing members is abhorrent! We do a lot of business that involves our credit, so having it tarnished is unacceptable. We never agreed to work with a collection agency. This matter needs to be resolved directly through XXXX XXXX at XXXX. Any offer of mediation is unacceptable and we expect a prompt response from XXXX XXXX at XXXX with options to fulfill our request of termination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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 have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I've been asking for 20 years for copies of all these promissory notes of all these loans but I never received not one supporting document with my signature. 
In 20 years a copy of the promissory note was never provided to me. All addresses they have are fraudulent addresses. 
There were never any payments on any of these loans because I have never taken these loans. For 20 years I've been asking for 20 years for copies of all these promissory notes of all these loans. 

However, I suppose it took it out they have not provided me in 20 years a copy of a promissory note they were never any payments on any of these loans because I have never took these loans they are helped for 20 years and every year I'm taking legal action AT THIS POINT ON THESE COMPANIES. 

For years of violating the fair reporting act and never validating these debts. Not verifying validating these debts are mine. They have never shown me one promissory note saying that I sign for any of these loans which they have accounts forans they are helping for 20 years report falsifying in accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Did A dispute by in XXXX and still havent heard back from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 30 days ; therefore, those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress and mental anguish caused. Also, my information was impacted by the Equifax data breach and may have found its way into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: PA

Complaint narrative:
I received a letter from Midwest Fidelity Services stating that i owed XXXX to a XXXX XXXX. I sent a receipt to them showing that the bill was paid in full. They refuse to take this off ofmy credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
Dear AXOS BANK Pursuant to 15 USC 1681A ( K ) your company AXOAS BANK have taking adverse action against me On XX/XX/XXXXClearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company AXOAS BANK said in there letter that the reporting agency played a part in your decision. AXOAS BANK denied me credit and then False and Misleading me the Consumer by saying your company AXOAS BANK decision was based in a whole or in part on information that came from the consumer reporting agency which is XXXX. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company AXOAS BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis AXOAS BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company AXOAS BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: MoneyLion Inc.
State: NY

Complaint narrative:
There was a fraudulent account from Moneylion LLC listed on my credit reports from XXXX, XXXX and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact Moneylion LLC. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that Moneylion does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
the following amounts were taken from my savings/checking account with Bank of America . They were part of a series of other transfers made without my authorization. 

The transactions took place on XX/XX/2021, as follows : XXXX Transfer - XXXX - {$490.00} XXXX Transfer - XXXX - {$490.00} XXXX XXXX - XXXX - {$500.00}

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 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I spoke with a rep with Connecticut Dept Of Banking today, XX/XX/XXXX, regarding an affidavit for fraud, was told said affidavit should be issued/reissued for signature forgery. The amount of which is {$4200.00}, check intercepted in XX/XX/XXXX while on vacation. This matter was brought to Capital One 's attention in XXXX/XXXX of same year, a XXXX XXXX replied by attempting to infer the person whom forged is related, failed to issue affidavit at the time. Subsequent reps including a XXXX, XXXX also failed to do the same. Most recently, a XXXX and a XXXX refuse to reissue, original affidavit closed out in error, no funds received. As explained in prior CFPB complaints, a prior statement was twisted around by Capital One rep named XXXX, whom then refused to reissue affidavit. A XXXX then attempted to refer me back to person whom cashed check in which case it is not my responsibility to do so, once brought to Capital One 's attention for fraud. Failing to refer me back, she then turned around, refused to reissue affidavit... She provided a number to reach out, does not accept or return calls as per usual, XXXX XXXX did not return seven messages left in the past... This is typical behavior for Capital One reps. This matter has been ongoing since XXXX, Capital One refuses to cooperate in reissuing affidavit..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I sent a wire transfer in the amount of {$5000.00} from my XXXX account to my XXXX XXXX Business Checking account on XX/XX/XXXX, the XXXX is XXXX, Amex business checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. However, according to XXXX, they do not see the fund associated with the transfer. Ive been contacting both banks back and forth for multiple times to no avail. Please investigate the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.

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 2021-11-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Westlake Services, LLC
State: TX

Complaint narrative:
In XX/XX/2021, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.

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 2021-11-15 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc
State: NV

Complaint narrative:
I was reviewing my credit reports and i found two debts being reported by Financial Assistance. Pursuant to 15 USC 1692g i demanded debt validation from them. On XX/XX/2021 I sent Financial assistance a debt validation letter requesting information that i was legally obligated to pay and if they were unable to send me the information I requested, then the false information that they are reporting on my consumer report under my name must be removed immediately. On the XXXX XXXX I received a letter back from Financial Assistance [ please see attached ]. There company name was no where on any original documents. And the letter was typed up by them and they had included another organizations name in it, trying to claim that as legal debt validation. This does not count as legal debt validation, and I know nowhere in the law this would be used to validate a debt, which I stated. Also on the letter, it never acknowledged any of the points requested for proper debt validation. To begin with, I requested to see any agreement or contract that had my signature, showing that I had entered into some type of dealing with Financial Assistance and that I was legal obligated to pay them any amount of any debt. I have had Financial Assistance reporting false and negative information on my consumer report for a long time and it has caused alot of emotional stress and injuries. I responded with a second letter on XXXX XXXX requesting a proper debt validation and that the photocopy they sent was unacceptable. I included an invoice for the laws that they had broken in reporting negative and false information and defemination of character. Which they still have ignored and not responded too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I am the successor of interest on my father 's mortgage. 
PHH Mortgage will not answer any of my questions about my father 's mortgage directly. 

PHH Mortgage reps keep informing my sister and her attorney that the mortgage is in her name and she assumed the loan, see cour documents. 

My payments are being applied properly to the principal, see attached. 

I asked PHH Mortgage to provide proof that my sister made a deferred balance for modification for {$29.00}, XXXX I talked to a rep who first said my sister made the payment but didn't know if it was a modification adjustment. 

PHH mortgage sends a statement to my sister 's house at XXXX XXXX XXXX in her name but tells me that a statement can be sent in my name due to the policy at PHH. PHH Reps claim that statements can only be in the account holder 's name but clear as day you see XXXX XXXX on the Statement. 

PHH sent my mortgage statement to the wrong address but always had my address on file. 

I have asked for a supervisor to call me back 5xs and in 2month period and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, TransUnion and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.

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