vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NJ

Complaint narrative:
Please CFPB look into these collections practices. I am applying for a new home to help my family under this pandemic and my loan officerlooked at my credit mentioning theres a problem and he can not move further with myapplication. He mentioned AFNI is a new account and I have to fix this problem. Thereis an account listed on my credit report that just popped up under AFNI collecting for a company called XXXX for {$2300.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on mycredit previously in XXXX with XXXX XXXX... I wasn't familiar with this account and the balance from XXXX and asked them to SUBSTANTIATE this claim that I owe them because I have XXXX XXXX NOT XXXX.. this is an error. I Have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called AFNI. All this happened under a month ( see attached screenshots ) so how would XXXX send me a right to dispute or explain my rights to I can address and let them know the problem. 
The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers ' credit reports to coerce them to pay the debts. They label this as DEPT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didn't owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THISCOMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I am out of my apartment least and can not get my home to move my kids into, I will file suit with an attorney of my choice. I have attached images from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: AR

Complaint narrative:
Hi, I sent back 4 different items on the XXXX of XXXX, and on the XXXX of XXXX, the items arrived at XXXX facility. Then on the XXXX of XXXX, only 1 item was refunded. I have done many returns with XXXX, so there was no issue on my end. Returns are simple, but XXXX has made them very difficult for me because I return many items I am not satisfied with. That is their return policy. I contacted many different chat agents, including supervisors who refused to do anything to help me when I noticed the issue. They kept telling me to wait 7 days after they received the items. Then after that, they started telling me to wait 14 days after they received the items. At this point, I gave up and decided to dispute the issue with my bank. My bank known as XXXX is making me jump through hoops to try to get this refunded after I explained everything to them and gave them the information requested by email, and even added pictures of the items boxed together before I returned them. While I was busy with 3 different jobs, I had planned to send XXXX that info, and in about 6 days, I had not sent the info, and XXXX  seemed upset that I had not replied back yet. I explained my work situation, and now XXXX has not been handling the situation quickly after I got back to them with the info they needed. Instead, they have taken around 6 or 7 days to send one reply by email. This reply stated " so you are waiting on the refund of XXXX, correct ''? I then replied back with " yes ''. And they have not responded in over a week. Soon after, I noticed a letter in the mail requesting me to fill out some paper asking for most of the same info I already gave them through email. This time, they are asking me to go through the trouble of mailing back out the paper they sent me. I had a dispute with another card company of mine, and even XXXX awhile back, and neither of them treated me this unfairly as XXXXy has. I have given XXXX  way more than I ever had to give my other card companies when it comes to info. At this point, it feels like XXXX does not want to issue the refund and are stalling intentionally, or simply do not like me. This is on page to be a month long issue and counting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I filed a dispute with Credit karma, because I tried to withdraw cash from an atm, But Received No Cash or Receipt, but the Money subtracted from my balance. When I filed the dispute Credit Karma closed my Account and have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I have contacted Equifax MONTHLY since XX/XX/2021 and have NEVER received a response. There is a medical collection on my report, but the information provided does not advise who the collection company is, nor who the original provider is. I do not recognize the amount and therefore have no idea who ( or if ) I owe. 

My understanding is that the bureaus are obligated to report with 100 % accuracy, and this collection is far from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX I was still with my wife, we had to file chapter XXXX bankruptcy, which took in my Auto loan from XXXX XXXX XXXX XXXX. Since separation I had to convert from XXXX XXXX to Chapter XXXX. Since the conversion was granted in XX/XX/XXXX I've paid twice a month on the auto loan in attempt to pay off the loan. XXXX XXXX refuses to update payment information stating no payments have been made since XXXX which is incorrect and penalizing me for my filing chapter XXXX when I was at the time protected. It has continued to drag my XXXX XXXX down to the low XXXX 's with no way to begin to repair my credit after a martial separation in which my ex pulled from our chapter XXXX and filled chapter XXXX alone, leaving me responsible for all marital debt. Chapter XXXX was my only recourse to rebuild my life alone. I have XXXX XXXX statements showing each payment made nearly double what my monthly payments are supposed to be, paid every XXXX weeks. Yet they still say I'm 90 days late or the past 3 months no payments have been made continuously dropping my credit score.

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 2021-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regarding my XXXX and Experian credit reports, I have previously filed disputes that were resolved regarding a debt with XXXX XXXX XXXX as well as XXXX. These disputes were successfully resolved on my credit reports with XXXX and XXXX but were recently added to my credit file again. 

I filed disputes with XXXX once again regarding the same matters since the previous collections agency that acquired the debts sold those collection accounts to new agencies which were then again added to my credit file. 

XXXX ruled in favor of those collection agencies and the results stayed on my credit file which are preventing me from gainful employment if a government agency. I requested the evidence and supporting documentation from XXXX and they have failed to do so. 

15 U.S.C 1681a I ( 2 ) under the exclusions sections states that a consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The bureau and creditor is in violation of this FCRA law. 

The previous reports ' confirmation numbers I have made with XXXX are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Above may be some successful instances where I have had XXXX remove this information from my credit before, if I have succeeded with previous disputes regarding this information before, the derogatory information should not be re-added to my credit report with different collections agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: SC

Complaint narrative:
Equifax is reporting a collection without any contact information for the collection company or the original provider. I have contacted them over several months and it has not been corrected and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I have been trying since XXXX of XXXX  to get a title on our vehicle after moving from XXXX  to XXXX. XXXX  requires a physical title to get the car registered and we filed all the correct paperwork with the MVA who sent a letter to Kia Financial Services in XX/XX/2021 to request a physical title after Kia Financial Services sent an electronic title. Kia Financial Services refused to send a physical title and did nothing for two months. After blaming XXXX  MVA for doing paperwork wrong, we were eventually told that Kia did not send the correct paperwork. At this point, we have paid off the vehicle and should be able to request a title. The vehicle has been paid off since XX/XX/XXXXand yet Kia Financial Services still will not send a title to XXXX  or even us. It has been two weeks with Kia refusing to send us any paperwork, documentation or record and they can only claim that they are working on it and to call back in seven days. This is unacceptable to hold our title hostage for nearly six months without any record or documentation that we can show XXXX  so we can register or use our vehicle properly. The supervisor at Kia is rude and changes his name and refuses to give us a last name. They continue to dodge questions or give us any meaningful solution.

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 2021-09-14 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 disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the Transunion credit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, Transunion, XXXX, and XXXX refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.

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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank sent me an offer in the mail regarding opening a new account. The personal code for the offer is XXXX. The offer stipulates that the account must be opened before XX/XX/XXXX, that 10 purchase must be made and online statements established within 30 days of opening. The account was opened on XX/XX/XXXX and enrolled in online statement and 10 purchases made within 30 days. There is no confirmation stating the online statements were selected/enrolled so there is no way for the consumer to know the process has failed. This process is intentional and by design so that Regions does not have to pay the {$400.00} bonus they offered. The process is deceptive and unethical. When I called on XX/XX/XXXX, the representative confirmed I was not enrolled into online statements. I told her that I did and there was no way for me to know the process has failed. She enrolled me at that point and said if I don't see the bonus that they would open a ticket. I called again on XX/XX/XXXX to inquire again and the representative said I would receive it on the next statement cycle. When I called again on XX/XX/XXXX, the representative said they found no record or reason so they opened a ticket ( # XXXX ) to find a resolution. And on XX/XX/XXXX, a representative called to tell me I didn't enroll in online statements within 30 days of opening and I would not receive credit. I have filed an official complaint with Regions Bank ( # XXXX ) for unethical and misleading practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed this account was reporting differently between the Credit bureaus and posted inaccurate late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened a credit card with BBVA in 2020. The annual fee is waived the first year, and they charge a {$99.00} annual fee for all subsequent years. Upon learning the card was being converted to a different product and being charged the annual fee, I immediately called BBVA to close the account. The agent closed the account and said the annual fee would be removed and I would have no further responsibility. A month later, I received another statement from BBVA for the annual fee + late charges. I have now called twice to have the fee removed, and the agents seem unsure what to do. I am not paying an annual fee for a card I no longer have and would not have closed the account had the original agent informed me they were not removing the fee. This is a highly deceptive practice and does not conform to industry standards across all over U.S. credit card companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My father got a mortgage with Wells Fargo in XXXX and he passed away in XXXX. After his death my mother quit claimed the property to me and I made all of the mortgage payments until XX/XX/XXXX at which time I paid the mortgage off. I have sent Wells Fargo my Id, a copy of the death certificate, a copy of the will and a copy of the quit claim deed. I have talked to two people who have had to open my case twice and received two letters requesting the information that I have already sent. I know that they received it because the last person I spoke to told me my id was in there and I sent it all together. I would like my escrow money and a copy that says the mortgage is paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one restricted my account because I made 2 payments on the same day From the same bank account I have made every payment to them. 
They received the payments were posted without and issues except that I made 2 in one day.

My account has been restricted since XXXX I am tired of calling and keep getting told I have to correct the issue and prove the bank account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was making payments to the mortgage company but due to an unforeseen decrease in income ( DUE TO COVID ) and ( REDUCED HOURS ) payments were not able to be made going forward. Tried to contact the company to set up a payment plan and Requests Mortgage Assistance ( 3 times ). Requests were denied. The did not allow me an opportunity to submit a loan modification/meditation modification to save my home.I I have resided in this home with my family since XXXX and would like to remedy and remain in my home with my family. The bank is forcing me to sell my home and is not giving me the opportunity to try and retain ownership of my home. My sale date is XX/XX/XXXX which is ample time for me to be able to submit a loan mediation package. 

I was also never given an opportunity to submit a loss mitigation packet. 

I kindly consider if you would please assist me and aid me in retaining ownership of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: WV

Complaint narrative:
I don't know where that account come from because I have never had any account with XXXX ( the original creditor ) at all. This is a mistake, please start an investigation to delete that collection account from my credit report. I don't even know what kind of service are they talking or for how long that account was opened. I never receive any letter letting me know about any details from Amsher Collection Services Inc. ( the collection agency ). I found out about this collection account because I have XXXX XXXX to track my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
XX/XX/2020 purchased skincare products that was guaranteed to make your skin look younger and less wrinkles. Was told to use it for at least a month. So she did and it didn't work at all. So she filed a dispute and the card company say they couldn't do anything about it because the company didn't have a return policy. However I didn't know anything about it. XXXX XXXX isn't very educated she can't read or write and wasn't told anything about no return policy or she wouldn't have purchased something you couldn't return if it doesn't work. She spent {$2600.00} this company was preying on her because she is elderly and not educated. The credit card company is Bank of America. The company was XXXX XXXX. This is XXXX XXXX 's daughter helping her fill this out. Thank you very much.

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