vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: UT

Complaint narrative:
Conserve has inaccurately reported to the credit bureaus a debt by XXXX that was due to fraud and identity theft. XXXX has active and valid police reports and FTC ID theft reports as recommended by the police department which they have failed to honor by law. Conserve is violating my rights under FCRA section 605 ( A ) and ( B ) prevention of identity theft and fraud to be blocked from reporting on a consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Speedy Cash sold my debt to XXXX  XXXX XXXX XXXX. Without my consent. XXXX  XXXX XXXX XXXX does not have a contract with my wet signature on it. Also this same debt is being reported as {$860.00}. Which the original debt is XXXX. This Collection accounts balance has increased. Which is a clear FCRA Violation. Ive disputed this Collection account on numerous occasions. XXXX  XXXX XXXX XXXX sent me paper work via USPS. Without a wet signature on the Suppose contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
somebody got a hold of my personal sensitive information such as social security, phone number, account number etc. They went as far as going to a TD bank branch in new york when i live in new jersey and were able to verify all details on my account and withdraw money from my checking account because she had a new jersey state id with my info but her picture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There is a negotiation and fees listed 3 times for 2 months, different XXXX charges they couldn't find while searching for numbers etc. I emailed the company for negotiation to get my money back and to ask them to stop charging my account I did not give them permission I contacted TD bank. They gave me one credit if XXXX. My dispute was for XXXX in total with charges they denied my claim. I submitted another one still nothing after 10 days. I'm angry. I shouldn't have to ask more than once for my back to fix a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MN

Complaint narrative:
Account for Women Within credit account. Amount of Debt : {$1600.00}. 
Collector : Crown Asset Management LLC through XXXX XXXX XXXX. 

In XXXX Crown had my bank notified through XXXX XXXX to garnish my checking account to repay the Women Within debt. All my income is from exempt sources ( Soc Security, state employee pension ). The paperwork said money would be frozen only if my balance exceeded 2 months of income. 

On XX/XX/XXXX, I filed a complaint against Crown Asset Management LLC for trying to take me to court for a credit card debt ( XXXX XXXX ) that I do not believe is mine. 
XXXX XX/XX/XXXX, XXXX I received legal documents from Crown 's attorneys on the above-mentioned Women Within account. They want to garnish any " non-earned wages ''. My understanding of a " non-earnings garnishment '' is that they want the court to make a judgement to take some of my exempt income. And the summons says I have to turn in all this paperwork in 20 days including bank statements, which I feel is a violation of my privacy. 

***This action was initiated just 27 days after my first complaint was filed. Crown may say this is coincidental, but I see it as RETALIATION for filing the first complaint****

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DE

Complaint narrative:
THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY 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 non-monetary relief
Consumer complaint received 2022-09-21 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: LA

Complaint narrative:
15 USC 1681c-2 BLOCK AND DELETE. NOTICE FTC IDENTITY THEFT REPORT - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B WERE ALREADY SENT TO XXXX / XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # # XXXX. Account # # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belleve that the information is inaccurate

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 2022-09-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # # XXXX. Account # # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belleve that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management has been sending me collection letters for a past due amount of approximately {$430.00}, that I do not owe. This is a bill from many years ago- approximately 6 or 7 years.They are saying ( when I called them ) that the bill is from a store ( XXXX 's / XXXX XXXX  XXXX that is no longer in business. 

XXXX ) I paid the bill -that was approximately {$120.00} years ago at my local XXXXXXXX XXXX store. 
XXXX ) No -- I do not have a receipt now as it has been many years. 
XXXX ) I offered to pay the original amount just to get it off my credit report but that was refused by Midland Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
Wheels Financial Group, LLC DBA Loan Mart as a servicer and XXXX XXXX XXXX as a lender are not registered in the state of Florida with Florida Office of Financial Regulation. 

XX/XX/XXXX Signed Installment Loan and Security Agreement for {$2400.00} ; Loan Given {$2300.00} APR 178.51 % Florida law allows a title lender to charge you interest on your loan of up of 30 % per year for the first {$2000.00} you borrow ; 24 % a year for any additional money you borrow between {$2000.00} and {$3000.00} ; and 18 % a year on any money you borrow over {$3000.00}. 
XX/XX/XXXX XXXX XXXX Payment of {$1000.00} and {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Payment of {$170.00} XX/XX/XXXX Debit Card Payment of {$200.00} XX/XX/XXXX Debit Card Payment of {$760.00} XX/XX/XXXX Loan Mart Repossessed XXXX XXXX XXXX XX/XX/XXXX Pay Off Balance {$4500.00} XX/XX/XXXX I received a email of current balance {$3800.00} and settlement of {$500.00} XX/XX/XXXX Florida Office of Financial Regulations confirmed Loan Mart as a servicer and XXXX XXXX XXXX  are not registered in the state of Florida as a Financial Institution nor a Title Loan Company Florida Statute XXXX License required; license fees- ( 1 ) A person may not act as a title loan lender or own or operate a title loan office unless such person has an active title loan lender license issued by the office under this act. A title loan lender may not own or operate more than one title loan office unless the lender obtains a separate title loan lender license for each title loan office. 

( 7 ) Each licensee shall designate and maintain a registered agent in this state for service of process. 

Florida Statute 537.013 Prohibited acts.- ( 1 ) A title loan lender, or any agent or employee of a title loan lender, shall not : ( d ) Make any agreement requiring or allowing for the personal liability of a borrower or the waiver of any of the provisions of this act. 
( f ) Fail to exercise reasonable care, as defined by commission rule, in the safekeeping of loan property or of titled personal property repossessed pursuant to this act. 
( h ) Sell or otherwise charge for any type of insurance in connection with a title loan agreement. 
( i ) Charge or receive any finance charge, interest, or fees which are not authorized pursuant to this act. 
( j ) Act as a title loan lender without an active license issued under this act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DE

Complaint narrative:
THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DE

Complaint narrative:
THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY 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 2022-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uplift, Inc
State: TX

Complaint narrative:
I am complaining about the financial conspiracy between uplift Inc and XXXX XXXX to defraud me of money paid for a service they never provided. I filed a missing report with XXXX for the missing document that occurred at their facility on XX/XX/2022 that led to my family 's embarrassing and devastating experience that took our planned vacation from us, but XXXX has not responded with the status of the missing document signaling they have no morals or ethics. I continued paying Uplift hoping they would know my fair and honest intention in this situation, but it is obvious that both uplift and carnival are in conspiracy to defraud me of a service that was never provided for which XXXX, which uplift claims is their client, has refused to update the status of the filed missing document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FourLeaf Federal Credit Union
State: VA

Complaint narrative:
On XX/XX/2022 I wrote a check # XXXX for {$13000.00} to XXXX XXXX on behalf of my business XXXX XXXX XXXX. The purpose of this check was to pay an invoice for their client XXXX XXXX. 

The check was mailed to XXXX 's former address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX but was not forwarded to their new address XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX did not receive this check. It was intercepted at their former address by an individual. 

The check did clear my account but not by the intended recipient. It was deposited to Bethpage Federal Credit Union. I alerted my bank and they initiated a fraud claim with Bethpage at the end of XXXX. XXXX had 90 days with which to respond and they have not done so. My bank suggested I file a complaint with CFPB. 

I have copies of the front and back of the check as well as a notarized letter from my bank noting that I am claiming fraud. I also have a letter from the intended recipient, XXXX XXXX, noting that they never received this check.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
15 USC 1681c-2 BLOCK AND DELETE. NOTICE TO XXXX / XXXX/ AND TRANSUNION ON XX/XX/2022 | FTC Identity Theft Report - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B ALL INCLUDED.

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 2022-09-21 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: LA

Complaint narrative:
15 USC 1681c-2 BLOCK AND DELETE. NOTICE TO XXXX / EQUIFAX/ AND XXXX ON XX/XX/2022 | FTC Identity Theft Report - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B ALL INCLUDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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 late for any purpose.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character This is not mine. I am a victim of ID Theft and I have included a police report.Please investigate and remove from my credit report. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. This is not mine. I am a victim of ID Theft and I have included a police report XXXX  Account Number : XXXX Please remove it from my credit report.

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 2022-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The loan was paid off by XXXX on XXXX XXXX to Wells Fargo..I then, went to the dealership ( XXXX XXXX to cancel the maintenance and Gap Insurance, that was covered with XXXX XXXX Claim XXXX XXXX and the Maintenance Claim # XXXX, both paid to XXXX XXXX XXXX in XXXX, Fl XXXX XXXX issued a refund check only in the amount of {$810.00} for the maintenance, and informed me that, the Gap was held by Wells Fargo. I've called Wells Fargo on several occassions requesting my Gap refund and they telling me that they have a right to withhold my refund for a 120 days, and that shouldn't be, when the loan have been paid in full.. I have sold several vehicles or, for some other reasons I had to cancel Gap, the maxium days I had to wait, was a total of 4 to 6 weeks for my return..A couple came early.. First off XXXX XXXX have refunded me all my money instead of forwarding the Gap to Wells Fargo ..They are rudely when speaking to them, especially when you don't owe them anything, and I want money..Listed above are the companies involved.. WellsFargo XXXX. Last 4 on account # XXXX XXXX XXXX. XXXX XXXX XXXX ( Again my name is XXXX XXXX and this is for a XXXX  XXXX XXXX ending in XXXX..Please resolve this matter with Wells Fargo, because the representative told me there was noboby that I can make a complaint to about their unprofessional services..Thank You and have A great Day

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 2022-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Tesla, Inc.
State: IL

Complaint narrative:
I ordered a vehicle and did not understand that so much $ was going to accumulate in interest over the term. The total cost of the vehicle including borrowing was not clear and I was not shown a truth in lending disclosure. I did not see or sign a loan agreement that included a truth in lending disclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In 2020 during the pandemic Covid 19 I applied for a motivation after a divorce where I was awarded the property. Both Attorny advised me & my ex husband that he was not on the deed. They contacted the deeds office in our presence. My modification was approved after I successfully completed the trial payments. The repress of Shellpoint mortgage who handled the modification, continuously asked for additional documentation. The final and ONLY document that I was unable to provide was the stamped quit claim deed from the Recorder of Deeds office because ALL offices were closed to protect their employees from the deadly virus. Shellpoint Mortgage Servicing rescinded the approval and denied the modification. 

XXXX XXXX  did a modification in approximately 2006 and my ex husband refused to sign the closing documents. I suspect that they forged his signature on the closing documents. 

I appealed Shellpoint Mortgage decision and was still denied. I advised XXXX to motion the case into court because I felt discriminated. They did not do as I asked. I was informed by the attorney that filing a complaint may hinder me from getting my modification or my issues resolved. In turn, Shelllpoint transferred the mortgage to XXXX XXXX immediately after they denied the modification. XXXX XXXX spoke to me several times then denied to speak with me because I was represented by an attorney. XXXX has continuously denied my modification stating my income isnt adequate and I make more than I did previously. I am currently providing XXXX additional documentation and feel discriminated as they continue to deny me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation