vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: MA

Complaint narrative:
I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

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 2021-09-25 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: NJ

Complaint narrative:
I purchase a timeshare from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. I had a mortgage which was paid off in less than a year. XXXX XXXX has charged me for maintenance fees but refuses to give me the week which they are charging me for. Now they have recruited this crooked company Aspen National Collections is a national debt collection agency with specialized expertise in consumer debt collections for companies involved in timeshare or vacation ownership resorts, educational loans, utility cooperatives and other niches which robs timeshare or vacation resorts owners by adding ridiculous fees to their maintenance fees. I was charged for XXXX fees {$820.00} & {$190.00} for taxes. With the additional fees, this crooked company wants to charge me {$1600.00}. Blocks my usage. 
Both companies teals my weeks which are already paid since XXXX as well as my extra vacations which they sell to companies like XXXX ; XXXX XXXX  and XXXX to name a few. They NEVER have anything available for OWNERS, who are forced to pay maintenance fees unless they book a year in advance thru another company which OWNERS are forced to sign up with or they are unable to use their week. This company now forces owners to pay to extend their week!! Ridiculous. What you think you buy or own is not what you get. The salespersons lies to unsuspecting prospective owners. This is a lucrative business but a night mare for owners!!. COVID-19 FORCES THEM TO SHUT DOWN AND NOT SERVE THE OWNERS BUT THEY DIDN'T SHUT DOWN OR REDUCE THE MAINTENANCE FEES!!! My job was affected, but they didn't want to hear nothing!! 
This should be illegal. These companies should be banned for financially raping consumers especially our millennials. Something must and should be done to stop these crooks!!! We need help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25 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: GA

Complaint narrative:
I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : Experian : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Lending Club Corp
State: NY

Complaint narrative:
I sent out a bill payment on XXXX to XXXX credit card. Lending club decided to take a review of my account. They reviewed the account and cleared it of fraud. However my check was rejected a month later on XXXX and XXXX is now charging me a {$39.00} fee. If XXXX 's does not waive the fee I want Lending club to cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game TransUnion permission to report anything on me? I need answers now!

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 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 I put a refundable deposit down for a XXXX XXXX for {$100.00}. In XX/XX/2021 I cancelled the order and the deposit was to refunded within 7-10 days. It was not issued. I disputed the charge and sent the refund documentation to Bank of America XX/XX/2021 and have heard no response. Here is the B of A charge information : XXXX XXXX XXXX XXXX CA Transaction date : XX/XX/2021 Card type : Visa Transaction type : Purchases Merchant description : CAR AND TRUCK DEALERS ( NEW & USED ) -SALES, SERVIC Merchant information : XXXX, CA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Transportation : Automotive Expenses Select toEditthe transaction category Online Purchase : N

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 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/2021 I requested Discover Bank to provide all requested documentation pursuant to 15 USC 1692 ( g ) ( a ), 15 USC 1692 ( g ) ( a ) ( 1 ) ,15 USC 1692 ( g ) ( a ) ( 2 ), 15 USC 1692 ( g ) ( a ) ( 3 ), 15 USC 1692 ( g ) ( a ) ( 4 ) and 15 USC 1692 ( g ) ( a ) ( 5 ). I am disputing the validityof this alleged debt.

I am requesting the name and address of the original creditor pertaining to this alleged debt. I am also requesting copies of a signed contract with Discover Bank pertaining to this alleged debt. 

As of XX/XX/2021 Discover Bank has still not provided all requested documentation. 

If all of the requested documentationis not provided I will be taking legal action against Discover Bank and XXXX, XXXX  & XXXX for the continued violations of my consumer rights, continuedattempts to violate my U.S. Constitution IV Amendment rights and harassment. 

I do require Discover Bank to satisfy these demands immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX  ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), ( XXXX XXXX ), I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone broke into my house stole my XXXX my wifes belongings and other valuables. The thief also XXXX himself {$500.00} twice and the bank is refusing to reimburse my money if tho it was clearly fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: FL

Complaint narrative:
In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX credit card account that shows a charged-off status with a recent {$1300.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.

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 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This bank us horribke Everytime I apply they dont even try to approve me anymore their system hates me I want my delta credit card and I got error message they dont even check the latest copy of my credit report to see if I qualify they use an old report for denial this is ridiculous when my credit had changed over the years but they dont care to see this or get me approved how is this fair Ive tried many times I hate them I give up with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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:
This is a response to Experian for their response on XX/XX/2021 for the formal complain submitted to Experian through CFPB Complaint ID XXXX on XX/XX/2021.

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 2021-09-25 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: VA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things in my credit report. To this day overabout 2 months later, I have yet to receive a response. I feel like I'm being taken advantageof and being ignored of my disputes. Section 611 ( a ) clearly states that a failure toinvestigate these items within 30 days gives me a reason to immediately remove these itemsfrom my credit report. It's been about 2 months now so they should be deleted promptly. Idemand these accounts be deleted immediately or I will file litigation due to the stress thatwas caused to me. My information was also impacted by the equifax data breach and mayhave got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIRCOMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MYID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
My Identity was stolen and there are auto loans and credit cards in my name that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Collectibles Management Resources
State: CA

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of last payment are not reported. Your agency continues to report this account inaccurately. Your agency failed to provide complete and only correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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 things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: CA

Complaint narrative:
on XX/XX/2021, I made a complain to the CFPB, CFPB Complaint ID XXXX. I am responding to Transunion XX/XX/2021 response.

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 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with BJs on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. BJs, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, BJs never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I updated my homeowners insurance on XX/XX/2020. The annual amount I owe for homeowners insurance went from {$940.00} to {$810.00}. I called in to get this updated on The Money Source website ( a XXXX subsidiary ) the week before XXXX of XXXX. It has now been a literal year, and despite multiple emails, phone calls, several uploads of my declarations page ( with both the Money Source and the third party company who handles their insurance that I have been sent to, and spoken with, multiple times ), as well as XXXX XXXX, the vice president of Customer Experience and there is no change. I'm incredibly dissatisfied because I am being charged money I do not owe. After speaking with XXXX XXXX, she told me XXXX would have to send her an updated policy, but I have already requested this of XXXX, and they have sent me a copy each time, which I then uploaded each time to the Money Source, but they continue to pretend each time that it has not been received, IF I get a response from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had XXXX my credit card became pass due, I was told by the the bank they would correct my issue with the card & remove the negative marks on credit report they completed everything by XX/XX/2020 they sent me a letter in XX/XX/2020 stating that if I get my account up to date they would remove the restriction, I spoke with a rep who finally reviewed the account & noticed that capital one didn't do monetary adjustments to my account and she did which took my account out of being late but I was told because it was past the cutoff of 120 past due it will be restricted & can't be removed. My complaint is if the would've removed the monetary adjust & fee 's my account wouldn't be in a past due status

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I looked over my auto loan contract for my XXXX  XXXX XXXX I got from XXXX XXXX XXXX and am aware XXXX XXXX XXXX participates in the Truth in Lending Act and violated it, so this contract is now fraudulent.

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