vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 I mistakenly purchased a wig from a XXXX Hair site called XXXX XXXX. For the amount of {$33.00}. I tried emailing this I believe fake or incompetent retailer for a full refund on this product literally a few minutes after I made the purchase. I tried a few times after contacting the retailer but NO response. I contacted / filed a claim with my financial institution Bank of America in regards to this on several different occasions. So last week or so I received in the mail some long matted wig that I never ordered. A bait and switch and steal peoples monies type of operation this hair site I believe is. All I want is my REFUND in which Bank of America denied me. Ive been a customer of this bank over 25 yrs! WOW. Please help me get my REFUND. Thank you

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received notification about a supposed debt from XXXX XXXX in XX/XX/2020 in the amount of {$800.00}. I have sent numerous certified letters to the collecting agency, Credit Collection Services in XXXX, MA requesting validation of the debt under my rights in the FDCPA. To date, I have not received any notification or validation of the debt, only continued collection efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Allegedly i owe {$920.00} to a credit card in which i never had a credit card with that line of credit. I never received correspondence from this agency that they have an closed account under my name. I found out through XXXX XXXX. The company 's name is Jefferson Capital. I sooke to a representative on XXXX XXXX.They are not abiding under the fair debt collection act, by not sending correspondence. As you jnow this further more hurts my credit, not corresponding. For I am also concerned because they are locate at XXXX XXXX XXXX, XXXX, MN. I reside in New York. I asked for debt validation to see if their proof of license can be conducted in New York. When i asked them for debt validation they did not want to proceded but explain the charges on my account.Please intervene, contact this company. Tell them to delete this from my credit report and seize all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This is my sons debt for the amount of XXXXdollars that opened XX/XX/2019 for season tickets to XXXX XXXX  XXXX XXXX me and and my son both reached out to Midwest recovery systems to explain this is my sons debt but I have had no cooperation from them I have filed disputes with XXXX  and XXXX  I had very good credit rating and exceptional payment history this my sons debt we share the the same same I am a XXXX and he is the XXXX  and some how they used my name I have not received any billing statements or emails regarding this it was opened with my sons email account and phone number and credit card!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: MO

Complaint narrative:
Requested Feedback not provided as of XX/XX/XXXX for my certified letter - USPS, nor first, yet additional, request for validation of debt owed. 

In letter, I stated I would establish a payment plan if the school agreed to the arrangement ... this occurred prior to COVID19 and full lockdown at the state level. 

Additional time was given due to COVID19. 

XXXX in XXXX charged XXXX to XXXX dollars and this range was sufficient and what I referenced in reestablishing a payment plan, which I would start sending payments on a weekly basis ( as of XX/XX/XXXX due to current work arrangement and unemployment stimulus if current employment ends ) ... previous agreement prior to XX/XX/XXXX feedback request was on a limited part time employment basis with some SSDI funds available after bills and rent. 


To my knowledge, as of XX/XX/XXXX no validation of debt have been completed and are required per the consumer protection laws, if not completed the false reports on the creditciles have to be removed. 

I was never on campus in XXXX nor after XX/XX/XXXX to establish any new loan agreements for funds from XXXX or their affiliate Reliant Capital Solutions. 

I do not owe any amounts ranging from XXXX to XXXX dollars, but I'm definitely aware of the range from XXXX to XXXX and am open fo paying those according to our prior payment arrangement with XXXX Cashiers Office, as indicated in 1st request for validation of debt prior to XX/XX/XXXX feedback request. 

Any additional attempts to collect these amounts are further retaliation efforts, which need to not only be documented, but forwarded to the appropriate Department of Education and other overseeing agencies to ensure all parties can resolve this by way mediation ... if taken to trial, certified letter is evidence of educational Institutions noncompliance and complicit nature in prior investigations and efforts to resolve the XXXX to XXXX balance ( most a counting came from on campus living arrangements. 

All affiliated efforts to collect this account without validation need immediate removal from all credit files by both third party ( who I already have no contract with ) and original creditor ( who I have sent validation requests to ). 

Damages have no been requested at this time, but accurate information is ready for processing if needed for this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 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 — Problem with personal statement of dispute
Company: Lending Club Corp
State: MA

Complaint narrative:
I had a late payment reported by lending club during this coronavirus pandemic. As soon as I learned of this, I called to make payments to make my account current. I also re enrolled in autopay to avoid ever happening again. I have never been late prior. I had kindly written a goodwill adjustment letter and was denied the removal of the late payment. A remark was added to the report after my follow up phone call. A remark stating -affected by natural disaster.. If that remark can be added, why cant my late payment be removed. My credit score dropped 50 points. This all happened as soon as I was about to obtain a mortgage commitment for my home which I have been working on for the last year. I no longer qualify for my mortgage due to the late payment report. My new score is too low due to the 30 day late reporting. I have gotten a short extension to XXXX for the mortgage commitment. I am still trying to work with the lender about having the late removed and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Approximately a week ago I discovered fraudulent funds had been put into my credit card. These were my funds I earned after an investigation. The amount neared {$500.00} and earned almost {$200.00} in interest because they kept my money illegally. The investigation began XX/XX/XXXX and ended XX/XX/XXXX when they transferred the fraudulent funds to the credit which which they closed. The fraud occurred in the checking account - NOT the credit card. I confronted them about it and they laughed at me, the manager on duty and he said its our money good luck. 

Its not their money because 90 days had passed and no decision had been rendered which means a default judgment in my favor for the funds. Further, I found cases worth thousands of dollars they they did not protect me from at all and haven been forced to literally look over every change from the last two years. 
These cases would be considered a form money laundering because they were taking massive amounts of money in and out of my checking account.

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 2020-06-19 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: MI

Complaint narrative:
I have been writing Experian letters since XX/XX/2020 ( 8 letters ) disputing XXXX XXXX  on my credit report. The account is not mines never was. They never sent any prove it was mines when I asked they always send same reply its verified. The question is how is it verified when XXXX  and XXXX both removed it from my credit reports saying it could not be verified but Experian keeps saying something different. I even sent them the letters from the other agencys showing they could not verify the debt and that they was removing it.

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my report and the negative input for wells fargo should of been corrected from my understanding .It was a mistake on their part and not corrected .I still do not agree with the way and amount the bank gave back.And here it is a long time later and im still fighting this?

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had someone commit check fraud using my informations dummy bank card. I filed several claims either their fraud department, tried to contact them several times about my account, which they closed. They determined that I or someone I knew was using the card, as if I was the one that did that to my own account! Tried to get them to reopen the case, but was also denied.

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 2020-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I transferred my Robinhood brokerage account that I had for 3 years to XXXX XXXX XXXX   account via ACATS brokerage transfer process. Robinhood sold some of my stocks to liquidate it and the account is in restricted mode. When I try to withdraw my settled money in the account ( more than {$1500.00} ) they throw your account is deactivated message. I reached out to Robinhood support on XX/XX/XXXX, XX/XX/XXXX more than 5 support messages but no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have inquiries on my Transunion and XXXX  reports that I thought were only soft inquiries and I would like them removed : XXXX  : XXXX XXXX  Dba XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquires it was my understanding their were to be soft inquiries or pre-qualification checks.

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 2020-06-19 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have inquiries on my XXXX  and Equifax reports that I thought were only soft inquiries and I would like them removed : Equifax : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquires it was my understanding their were to be soft inquiries or pre-qualification checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Professional Credit Management, Inc
State: MS

Complaint narrative:
I had about 7 medical bills all with the same company for testing. After disputing some of the charges they were sent to a company called Professional Credit Management which a debt collector out of XXXX, Arkansas. I contacted this creditor on numerous occasions. I was told by several representatives that my paid accounts would be removed from my credit report but they would not remove them until they were all paid in full. Well I have paid ever single account. When I noticed the accounts were not being removed from my credit reports I contacted PCM via phone and mail. I was told that by a female representative that they would not be removing my paid accounts. When I advised her that I was told they would be removed she said the person was new and did not understand how PCM does business. The representative refused to provide me her name or reference number. She then called me a " XXXX '' and told me to " pay my XXXX bills on time next time. '' When I tried to call back to speak with a manager, PCM blocked my phone number and will not accept a call from me. When I call from another number and I tell them who I am, they place me on hold without ever picking back up. I am asking for help. I am a consumer that has been taken advantage of and treated poorly. I can provide proof of payment on all accounts and also a copy of the letter that I received from PCM in reference to deleting paid accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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:
I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting

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 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX & Wellsfargo. WEllsfargo worked with other shareholders of my company to keep me off a PPP loan now I can't even apply for one on my own for my own personal companies. I also can not apply in compliance with Reg B

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 2020-06-19 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: CA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting

Company response to consumer: Closed with explanation