vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems Collection Agency contacted me, by sending a letter about a debt I owed to an apartment complex that Id never heard of ( The XXXX XXXX ) on XX/XX/XXXX. I called and inquired, they told me that it was located in a city that Id never rented an apartment in, and they suggested that it was identity theft. So, I contacted my local Sherrifs office, only to find out that the apartment complex didnt exist in the town. So, I XXXX it, and realized that it was an apartment complex that had been renamed. The previous name was as XXXX XXXX XXXXXXXX, and I was on a lease there, that ended on XX/XX/XXXX. When we had our final walkthrough inspection, and turned in the keys upon move out, I didnt owe any money. In the 1 year and 2 weeks between when I moved out, and when I received the collection notice, I had not received any bill, phone call, or otherwise, letting me know that any money was owed. So, with the collection notice, out of the blue, without notice, I do not believe that I owe anything, and believe this collection is not valid. Ive attempted to explain this to both the collection agency and the administration at the XXXX XXXX, and both times have been hung up on. They both refused to show me proof of notice, dates, etc. showing when or what this {$66.00} charge is for. It was reported to all 3 credit bureaus on XX/XX/XXXX, and my score had dropped XXXX points. I believe this is unfair/nefarious/ in error and I dont believe it is owed by me. I would like the debt to removed and dropped from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Credit Control, LLC
State: MS

Complaint narrative:
Pursuant to 15 USC 6802 ( b ), the financial institution ( XXXX ) that are furnishing said inaccurate information never clearly and conspicuously disclosed that I have the right for my nonpublic personal information be reoprted to no affiliated third parties, therefore these reports are inaccurate and are causing damages to my personal self, my family, and household. Furthermore, The credit reporting agency never did an investigation with me the consumer to check if these transactions actually took place. Therefore, proper investigations were not met according to federal regulations and these inaccuracies on my consumer credit file are being reported without my written consent to do so. XXXX deleted XXXX ( XXXX ) accounts that were allegedly investigated and validated, which resulted in the reports being deleted because of their inaccuracies. There is now a debt collection being reported onto my credit file along with a closed installment loan that was deleted and has been placed back onto my file. XXXX is being negligent and noncompliant to my requests, as I have been in constant attempts to resolve these matters. I have not received any correspondence from XXXX and I have proof to show they removed these accounts from my credit file and have reported them again without the lawful authority to do so predicated upon there being no actual validation of these alleged debts. 

The reports they said they removed have been replaced onto my file and I have taken more injury and damages to my credit file without my written consent or thorough investigations. 

This company has not contacted me and I have not been able to get an agent on the phone to assist me with these matters. I am still awaiting correspondence from XXXX, but my file is still taking damages due to inaccuracies being reported without my written consent. 

The banking system is dependent upon fair and accurate credit reports that are equitable to the consumer. These reports are unfair and inaccurate, thus not beneficial to me, the consumer.

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
XX/XX/XXXX - Spoke to agent from Discover about a recurrent charge of approx. {$80.00} for a discover payment protection plan that I had never signed up for. 
Per the agent I had this benefit since I became a member ( XX/XX/XXXX ). 
When I asked to please provide proof or documentation that shows that I had in fact opted in this service, the agent said that is not available and that as a courtesy they could only refund XXXX monthly billing cycles. 
I have been charged a recurrent fee since XXXX for something I have never opted in. The company doesnt have proof of me agreeing to this service, and I have been paying for something that shows as a fee on the statement. Its not until one digs deeper that finds that the fee is a recurrent charge for something XXXX never signed up for. 

I need someone to help me. 

I would like Discover to refund me in full for all charges made to the me from the Discover Payment Protection Plan since XX/XX/XXXX. 

I have read consumer news report about fraudulent practices from Discover regarding this topic, and I find myself in the same situation. I have been charged for something I was not aware I was signed into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My equifax report shows the wrong social security number. I need it updated asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX, my purse was stolen from a gym 's locker room. The burglar broke the locker room 's lock and took my bag and wallet. I reported the instance to the gym staff and police. At XXXX XXXX, I received a message from Capital One and ask me if I had made a purchase in XXXX # XXXX, and I replied that my purse was stolen, and I didn't make that purchase. 

I called Capital One later and told them my purse was stolen. However, the thief used my card and spent {$710.00} on XX/XX/XXXX at a XXXX. On XX/XX/XXXX, Capital One credited my account to a new credit card number {$710.00}. But on XX/XX/XXXX, Capital One returned the fraud charges to my account. 

I called the Capital One fraud department on XX/XX/XXXX, and the person helping me said she would take care of the issue. After a week, the charges remained on my account, so I called Capital One on XX/XX/XXXX. The person helping me said the investigation showed that I authorized the purchases. I asked her who was the person I authorized ; she said she could not tell me. I said, " If you can not prove that I approved someone to use my stolen card, how can you say I authorized the purchase? She told me it would take another 90 days to investigate the case. But I need to pay the balance first. So far, Capital One is still keeping the fraud charges in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name and REPUTATION also violating my right to privay and consent which I never gave. Refer to documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name and REPUTATION also violating my right to privay and consent which I never gave. Refer to documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: MI

Complaint narrative:
XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. .. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose. Please remove late payments and update asap please.

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 2022-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for XXXXXXXX XXXX for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing XXXX to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, Experian. XXXX has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by XXXX refering to an inquiry instead of the disputed non-public personal information alleging to be the Credit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.

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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I have XXXX separate mortgages with Flagstar Bank. Those XXXX mortgages are for separate properties. I mail in my monthly mortgage payments to Flagstar via United States XX/XX/XXXX priority mail with tracking. The XXXX XXXX XXXX XXXX the date and time of delivery/pick up of my payments. Each month I pay extra principal payments with the regularly scheduled payment amounts which should result in the reduction of interest for each mortgage as of the day my payment is delivered. The effective payment date should be the date payment is delivered per the XXXX XXXX 's tracking and impacts the interest charges. [ CFPB Regulation XXXX states : " General Rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. '' ] I have become aware Flagstar has been recording the effective date of my monthly payments after the date payment was delivered. I reported this problem to Flagstar and Flagstar has corrected some of the incorrect effective payment dates but is refusing to do so for payments I made for both mortgage accounts that were delivered by the XXXX XXXX on XX/XX/2022. Flagstar Agents tell me the effective payment date for these payments is XX/XX/2022 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 explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX sent payoff check to Wells Fargo. Wells Fargo received the check but has done nothing with it and is trying to charge us late fees for not paying. Wells Fargo already closed the account and issued a refund of overpayment. All attempts to resolve this have been unsuccessful, Wells Fargo reps say their supervisors are busy and nothing gets done. XXXX has all info of the check being sent and received.

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 2022-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached XXXX FTC reports with accounts and inquiries I did not authorize and need to have them deleted asap they are affecting my chances of buying a house. Please also update my personal information

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 2022-11-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX as other Lenders attached projecting inaccurate credit score. Also projecting already disputed and verified information, which lead to automatic adverse action letter. 

When challenged, they claim that they report only what Experian tells them. Obviously, there is a serious glitch in their systems, and/or bad apples subverting proper information.

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 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a car loan with Wells Fargo Bank to which I make monthly payments from my monthly XXXX payments through the Federal Government XXXX XXXX XXXX XXXX card. 

Their online payment service does not accept the card and I was instructed to call in every month and pay through their customer service department. 

I was making payments via phone for the last several months until this month when I was told by one of their agents that they no longer accept the XXXX XXXX debit card as a form of payment. 

They have refused to make any arrangements or exceptions and expect me now to make physical cash payments at one of their bank locations. 

As I have no bank account, this would entail me making an ATM withdrawal for a fee, having {$300.00} cash in my possession, which I don't feel comfortable carrying around, and the inconvenience of going to their bank every month.

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 2022-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1 ).

Bank of America : My now Closed checking and savings accounts due to fraudulent activity, which was reported by me after a few incidents, one with my debit card ( and wallet with my pin written on a note inside it, during memorial day weekend ) was stolen and then used at a different banks ATM in XXXX XXXX to withdrawal {$600.00} or more. 

After giving me provisional credit at first, it was then taken back and said they not only were they closing the accounts but that I also now owed them back the money too. Which by then I had spent it all and more 2 ). Another incident occurred when my truck was robbed and looted last XXXX, and not only was my wallet and brief case etc taken but all of the packages I got from the monterey post office that day as well ( which was a lot since I hadnt picked up the mail in several weeks after being on a extended trip seeing relatives. There was so much to pick up in fact the postal employees instructed me To actually park in their trucks loading/unloading bay for the packages to pick up the massive amount of boxes that had accumulated there ). 

Before the robbery however, i went through and noticed a few boxes mixed in didnt belong to me, and was going to return them back to the XXXX the next day. 

But turns out the thieves used my debit Card/bank statements with all my account info and other documents to break into my accounts and start depositing random peoples business checks they had gotten from the wrong XXXX mail/boxes that were accidentally put in with all of mine. I only found out later when Bank of America sent me mail that had the returned check copies in it. And then it was being investigated by local police too apparently. 

These incidents were told to the bank but they still say I owe them money and still closes my accounts. Plus the said I cant open a new account with them or elsewhere for 5 years because of all this thievery Ive had occur!

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 2022-11-15 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: NJ

Complaint narrative:
when to a dealerships to purchase a vehicle, i had no idea that my credit will be run buy multiple of lenders. left me with multiple hard inquiries. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost 2 years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.

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 2022-11-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was charged for an in store purchase of {$110.00} on XX/XX/22 at XXXX XXXX for a purchase which I requested but the cashier refused to provide a paper receipt so I declined to complete the purchase and left the store without the merchandise. The vendor still ran the charge, which posed to my Barclay 's Bank Jet Blue card on XX/XX/22. I initially disputed the Charge with Barclay 's Bank. They asked if I had disputed it with the vendor. I had not at the time, so I selected no as a response. They said try to resolve the dispute with the vendor. I tried to resolve the dispute the vendor, but because I did not receive a receipt, I was unable to resolve the dispute with the vendor. I then tried to reopen the dispute with Barclays Bank US, now that I had followed the instructions provided by the bank to try to resolve the dispute with the vendor and was unable to do so. They would not allow me to resubmit the dispute, and the message I received was that the transaction has already been disputed.

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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Problem with Lakeview Loan Servicing , LLC. Every year I have to send them proof of Insurance on the home that I have a mortgage on. I would not think this should not be such a problem. I have been there with my agent as he or she sends in the needed info. but things a getting lost in the shuffle at Lakeview Loan Servicing , LLC each year. last year they bought insurance coverage and billed my account until they found their goof. then credited back to my account. Now they sent me their second and final notice before they buy insurance again for me! we have sent them the needed info twice already. I have tried to call them several times today, can not talk to a person. Seems to me they want me to buy insurance only from their selected insurance company. HELP PLEASE! 

XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation