vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: AR

Complaint narrative:
This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: AR

Complaint narrative:
This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.

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 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments as reported on my 3 Credit Bureaus. As you can see, I have always had a terrific payment record with this company. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am being called by XXXX XXXX, who's original creditor they work for is Synchrony Bank. This collection agency " XXXX XXXX '' is the definition of harassment. I am being contacted 3 - 5 times per day, at all hours of the day. You can not reliably block their IP phones because if you block a number, they simply modify the number from their set list and contact you again. 

I have asked many times for them to quit contacting me as I am already debating litigation against the original doctor that the quarrel/financing is about. If they wish to pursue legal action, I encourage them to do so, but I will not tolerate being called all the time, every day, by spoofed numbers. I would very much like to request consumer finance to help me look into this on behalf of myself and my family residence. Not everyone can immediately pay things that another entity claims they are owed, especially when litigation may be potentially involved. This does not mean we should have to deal with harassment every day, either. It's just the way of the world.

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 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kehoe Financial Group, LLC
State: MD

Complaint narrative:
Kehoe Financial Group XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Debt Notification of a Traffic Violation in the Municipality of XXXX, XXXX XX/XX/XXXX dated XX/XX/XXXX. This notification is 1447 days from the traffic code violation. I was not notified by the car rental company of this debt. I believe that notification of a traffic violation for a non-citizen of XXXX must be made within 560 days. I have called the company 3 times with no return phone call in person XX/XX/XXXX and 2 times on XX/XX/XXXX. I have no breakdown of the debt calculation owed {$500.00} I was not driving the car, another authorized driver was driving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I have requested via mail to have these unverifiable accounts eliminated 4 times from the credit bureaus dates are as follow : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is not specific to one transaction. I use a business American Express card a lot, and have to dispute charges every month or two. American Express makes it nearly impossible to obtain updates after filing a dispute. Their website will show a dispute that is in process, but once " resolved '', it does not tell you what the resolution was. It only states " We have completed our investigation. Please refer to the communication we sent. '' The main issue is that American Express is not sending me communications. I have no idea if they ruled in my favor or in the merchants. I have to call customer service and fight through their phone system to get an update. And more than once, they have ruled in the merchants favor because I did not send information " that they requested '', but again, they NEVER send me any communications once a dispute is open. And since they never told me their decision, sometimes by the time I find out they ruled in the merchant 's favor, it is too late for me to reopen the dispute. 

Their inability to communicate must be violating the FCBA by not informing me of dispute status and resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of Mazda Financial Service on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash from me. The finance charge is suppose to include insurance, but XXXX XXXX of Mazda Financial Services made me purchase my own insurance separately. XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. 

Mazda Financial Services has unlawfully collected 11 completed payments from me on behalf of this alleged debt. Mazda Financial Services has attempted to harass me via phone regarding this debt. Mazda Financial Services has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Mazda Financial Services an opportunity of notice to settle these violations civilly and in accordance with federal law. Mazda Financial Services response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt nor consent to the now void contract therefore Mazda Financial Services must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Hello, XX/XX/21 - Someone is trying to take out a loan in my name with Upstart , Inc., I received notice via email. I called Upstart to try and stop the application from proceeding and they told me they couldn't do anything about it because I did not have enough of the contact information that person impersonated me provided in the application. I had the email address and my full name but they told me it's in their policy that they can not do any at all to stop the application if I do not have the address the person used to open the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX and Equifax they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified also by the reporting company XXXX XXXX reopened and account status that was once reported closed, they continue to do so and reset the statue of limitations which is against the law. They continue to report account verified that could not be verified by the reporting company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I, XXXX XXXX, have been a customer of PayPal for over 8 years, never had any problems with the account and have always been in good standing with my account. However, once I allowed my business partner access the account, I was arbitrarily placed under investigation for what paypal labeled as unauthorized or questionable transactions. I was asked to identify myself and I provided all of the information that was requested. However, even after they admitted to being identified successfully, I was rendered unable to use my account thus costing me business, even though I explained to them that I dissolved my business relationship with my partner and secured my account by changing my password. The issue that I have is two-fold : 1 ) Paypal arbitrarily terminated my account without due process.

2 ) Paypal has failed to refunds the money in my account totaling {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
HSBC froze my account on XX/XX/XXXX due to potential fraudulent activity. I do XXXX XXXX for a living and two of my clients pay me via direct deposit with part of their XXXX XXXX. The same two clients have paid me {$150.00} each year for over 10 years. When the 1st stimulus checks went out in XX/XX/XXXX they were deposited into my checking account. I instantly paid each person. Then the 2nd stimulus checks went out in XX/XX/XXXX and once again they hit my checking account. I instantly paid each person. After I XXXX XXXX XXXX XXXX XXXX I updated each account to avoid any future stimulus checks from hitting my account. However, on XX/XX/XXXX HSBC froze my account and they are accusing me of stealing funds. HSBC will not let me provide proof of payment to each person nor will they review the XXXX XXXX. In addition they will not contact my clients as proof that they have been paid for every XXXX. In addition to this, my mortgage payment cleared my checking account on XX/XX/XXXX and my account was froze on XX/XX/XXXX. HSBC reversed my mortgage payment on XX/XX/XXXX. Attached are copies of my clients XXXX & XXXX income tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with WESTLAKE FIN. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please REMOVE this account immediately.

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 2021-09-28 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: Convergent Resources, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX I received a letter from Convergent Consulting , Inc regarding a debt that is not mine. In this letter it clearly states that Convergent Consulting , Inc and XXXX XXXX can not report this debt to any credit reporting agency. I am going through the fraud channels that they have directed to me to but told me repeatedly that this debt can be reported on my credit report. That clearly contradicts the letter I received and since this debt is not mine to begin with it is very troubling that they will mail me one thing and say another. At the moment the debt in question is not on my credit report ( Debt is dated XX/XX/XXXX from what they told me ). I would like confirmation of what I was told in this letter while I go through the fraud channels given to me

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 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capitol one is reporting a bank account ending in XXXX that was opened fraudulent in my name. I have told this to capitol one back in XXXX and have since received no result. This account is reporting to XXXX XXXX XXXX  which is affecting my personal bank accounts and this should be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XXXX 2021. I have read enough to understand my rights. The XXXX Credit Bureau is attempting to violate this clear understanding. Please investigate thoroughly and please update for 100 % accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
MY CHECKING AND SAVING ACCOUNT WAS TOOKOVER FRAUDULENTLY AND THE ACCOUNT WAS FROZEN. THEY DIDNT TELL ME THEY WERE CLOSING THE ACCOUNT AND THE ACCOUNT RACKED UP MORE THAN XXXX DOLLARS ON INACTIVITY FEES. I REPEATELY TRIED TO DEPOSIT MONEY WHILE IT WAS FROZEN HOWEVER THEY DID NOT LET ME. NOW ITS REPORTING TO XXXX WHICH I BELIEVE SHOULD BE REMOVED

Company response to consumer: Closed with monetary relief