vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Fusion Auto Finance
State: NY

Complaint narrative:
Upon returning my leased vehicle, over 60 days later ( which is the required period ), I received a letter with alleged damage to the returned vehicle. The alleged damage was not substantiated by fusion, and I fully contest all of it. Furthermore, the employees at fusion  are engaged in extorting as much money as they can. Different agents I spoke to gave different cost amounts for the same item. I tried to reasonably negotiate and settle. I filed and paid for arbitration with the XXXX XXXX XXXX XXXX. The response I got from them was, " Fusion Auto Finance, LLC failed to comply with the XXXX  policies regarding consumer claims. '' They therefore can not arbitrate with them and closing my case. Fusion still continues to call me and send notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect took {$850.00} account off my XXXX report after 1st complaint then today put it back on my report. If Americollect paid XXXX XXXX for the debt how can Americollect make me pay them. I never had a written contract with Americollect at all. That is false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Charge for check account, dormant charge {$10.00}, XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint because Midland Credit Management ignored my request to provide me COMPLETE documents - specifically the contract I signed obligating me to this alleged debt. Or how about the proof of identity that I must have provided at the time of incurring this debt, as this company is required to obtain this identification per the Patriot Act. 
Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
two days ago Bank of America closed my two checking accounts and savings account without cause and are refusing to let me have access to my funds until after XX/XX/2021. I am XXXX yrs old and need the funds for prescriptions, rent and insurance payments among other reasons. I did not do anything illegal or write any bad instruments or overdrawn my accounts. I have called several people at BOfA and told they can not release my money. they also have interrupted the social security check on the XXXX. they are located all over the country and can not let me talk to local management to get me access to my funds. I was sent several checks I did not solicit and was asked by a friend to deposit them deposited them and found out only recently that two were stolen checks and one was overdrawn the writers account.. I did not spend or try to collect any of that money. the bank unilaterally closed my accounts as if I was attempting to defraud them. I just want my legally own money not connected with those checks and the bank is refusing to give it to me or allow me to pay for necessities. I think that is grossly illegal to keep me from my legal money in a timely fashion.

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 2021-09-09 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: Guild Holdings Company
State: CA

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Earm LLC
State: IL

Complaint narrative:
The only thing that the company wants is my banking information and social security number. 

They refuse to provide any information regarding the debt without my confirming my social security and address. 

This is highly irregular as there are no outstanding debts on my credit report, and they will not provide any written documentation regarding the alleged debt.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
XX/XX/2021 around XXXX, I entered WellsFargo with a bag full of roughly XXXX in cash and deposited it. 3 weeks later I check my account and the money was never deposited according to my bank records. I submit a claim with Wells Fargo investigation team and was sent a letter in the mail 5 days later saying there was no evidence of the deposit and the case is closed. My mother who lives in XXXX went to the bank and talk with the branch Manager XXXX XXXX who explained to my mother that he has no authority to check the security cameras and he will inform his higher ups and they will resolved it. A week later my mother received the same letter as before with no explanation of their reasoning and that the case is closed.

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 2021-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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

Complaint narrative:
I just reached out XXXX XXXX XXXX with the no provided on my credit report XXXX i call that no which give option XXXX spoke to XXXX where she ask me my PII after asking her what this situation is all about I never own a card or get any services for vehicle there i own a XXXX  XXXXfrom XXXX XXXX i could not take my vehicle to service any were only the dealer which is XXXX XXXX she transfer me to the main branch within a next department XXXX spoke to the manager XXXX he ask for my name and Ss he said he have nothing in is system for me my wallet was stolen from my place of business in 2017 it seems all my PII was compromised this is the truth I did not do this and all I am trying to get a loan for my XXXX  I am only getting hard copy because of something I didnt do

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 2021-09-09 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
To whom It may concern : I had a XXXX XXXX credit card several years with XXXX XXXX I recieved a mailed brochure on XX/XX/2021 with a phone number to reject changes before XX/XX/2021 with Barclays Bank. 
I called the phone number given by Barclays XXXX on XX/XX/2021 to reject changes. I also called XXXX XXXX  and closed the XXXX credit card account on XX/XX/2021. 
I recieved a XXXX XXXX credit card today XX/XX/2021. This is after I rejected changes with Barclays bank and closing the account with XXXX XXXX 
This account should not have been opened at XXXX or the credit card mailed out by them. 
I want nothing to do with Barclays Bank or XXXX at this point. 
Can someone please figure out why Barclays is opening accounts, when I rejected all changes. Also after the XXXX XXXX credit account was closed on XX/XX/2021. 

Thank you, 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 explanation
Consumer complaint received 2021-09-09 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
XXXX XXXX is attempting to collect on past due amount of {$130.00} owed to Continental XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to XX/XX/XXXXnot..

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 2021-09-09 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: FL

Complaint narrative:
I have a mortgage that was fully paid off on XX/XX/XXXX. My mortgage was transferred from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage at that time was already fully paid off. In XXXX I had made multiple mortgage payments so that my mortgage was paid through XXXX of XXXX. XXXX XXXX has now reported me 60 days late on a paid off mortgage even though they are stating that the transfer is still in transit and they don't have all the information from The XXXX XXXX. They have made my credit score drop over 100 points on my credit when the transfer of information is still not complete. The same has happened to the co-borrower on this loan and they told us we have to wait 60 days for the transfer of information from XX/XX/XXXX to be complete and then they will fix any errors on credit. They should not be reporting people late on mortgage or any other information on a mortgage when a transfer has not been completed and they do not have accurate information on their end. I am not able to obtain any financing on a loan now because of they reporting incorrect and fraudulent information on my credit report. They stated to me that they have a problem with this for most of their customers, so their internal issues and mess are now negatively impacting my lift and 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 non-monetary relief
Consumer complaint received 2021-09-09 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: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear XXXX, Attached is the XX/XX/2021 response letter from BSI Financial Services to CFPB Complaint # XXXX. 

BSI has advised that there was transfer of servicing rights from XXXX to BSI for account # XXXX. 

BSI Financial Services issued the attached IRS Form XXXX  naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please provide proof of the servicing transfer from XXXX to BSI Financial Services for account # XXXX. 

Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement does not appear to include account # XXXX. 

Thank you for all your assistance in rectifying this IRS Form XXXX reporting matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

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

Complaint narrative:
i am a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.

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 2021-09-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My trip was cancelled due to Covid and my trip was moved to XXXX XX/XX/XXXX. I also accepted a refund credit note which was due to expire on XXXX XX/XX/XXXX. As you can see from the email it was made clear to me that I would be refunded in full if I couldnt use it. 

XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

I've been waiting XX months and my bank refuse to open up my XXXX XXXX dispute. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration. 

According to the Fair Credit Billing Act it is my legal right to claim a refund when the service you paid for is not received due to a company 's bankruptcy. 

The merchant- XXXX XXXX XXXX has ceased trading. See Companies House as evidence that XXXX XXXX is about to be liquidated : https : XXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX XX/XX/XXXX or my refund credit note expiry date of XX/XX/XXXX. 


I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX XXXX XXXX I have been informed by XXXX XXXX XXXXd the administrators for the company, XXXX, XXXX I am not financially protected in any other way.

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