vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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: Aspen National Financial, Inc.
State: CO

Complaint narrative:
From the very beginningXXXX XXXX XXXX XXXX XXXX  has proven not to be the wonderful vacation/real estate investment that we were sold. Weve had it for nearly 12 years and have only used it once. That alone should prove how useless it has been for us. What was explained to us verbally during the90 minute presentation ( which actually turned out to be closer to eight hours ) is not what we received. XXXX XXXX sales representative totally contradicted what was in our contract. We were told we were purchasing real estate and it would be profitable to us, they even said we could rent it out and make money on our prime real estate, but actually selling this or finding someone to rent this isnt viable whatsoever, especially with services such as XXXX being available. Large companies such as XXXX and XXXX are now renting out space in timeshares. Of course, they neglected to tell us this because it would put a wrench in the great pitch they were throwing us. We were told we would easily be able to exchange our timeshare to destinations all over the world, this has proven to be not true. Exchanging this timeshare is very difficult with increased additional fees. What caught us off guard the most was the rise in maintenance fees. We were told these fees would not rise, yet, we have seen a steady increase that makes this more and more difficult to afford. 

The whole ordeal felt shady and when we requested a copy of the deed and we never received one. That alone has to be a violation of some sort! How can timeshare companies continue pressuring people into entering a contract and not providing them with the terms of the contract? Weve contacted XXXX XXXX XXXX XXXX several times over the past 12 years to try and exit the contract, but they provided no assistance. These timeshares want people trapped in these contracts so they can continue to siphon money from us, but that is not something we can financially, or mentally, afford! 

Then, they brought Aspen collections into the picture. They have been consistently harassing us with phone calls and threatening notices. We never agreed to work with Aspen and want this handled directly through XXXX XXXX. We are in a misrepresented contract and should not be obligated to pay any further funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
During closing, the loan officer ( XXXX XXXX ) indicated that {$27.00} per month be held in escrow over the course of the yea to pay my taxes. At the end of the year, the account had a significant shortage because my taxes were roughly {$3000.00}. She based her estimation of taxes on the 2019 taxes. However, {$27.00} per month would not have been enough to cover that {$1900.00} amount either. Now, Loan Depot ( my mortgage company ) is demanding that I cover the shortage over the course of 12 months. Effectively doubling my mortgage. Ive reached out to them and asked them to extend the repayment. Since the was a mistake made by their representative ... ... ... .It has been 3 months of me paying double my mortgage and they continue to push the deadline for resolution further & further. 

To add insult to injury, Ive forced to find creative ways to pay this doubled mortgage while on maternity leave. It has caused significant strain & anxiety as a new mom. Their complete disregard for the lives affect by their mistakes is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My wife and I purchased a vehicle, the dealership did XXXX hard inquiries on both our credit reports. We contacted the dealership, they provided us a letter to send all XXXX Credit Bureaus to remove the inquiries from our credit report. We sent the letters but XXXX, XXXX, and XXXX Blatantly disregarded the removal request of the dealership. We are looking to purchase a house and this blatant disregard is damaging our purchase of a home.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
Transunion, XXXX and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting.

Information provided to me indicates original date of delinquency of XXXX XXXX  which is now over 6 years old and is now time barred.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
XXXX, XXXX and Experian also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting.

Information provided to me indicates original date of delinquency of XXXX XXXX  which is now over 6 years old and is now time barred.

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 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/2021 I have been a loyal customer with Huntington Bank for almost 15 years. My family and extended family also bank there. I have personal checking, savings, business checking, loc, auto loans, etc with them. One day I received a letter stating they were closing all of my accounts in less than 30 days. The only reason was " exceeds risk tolerance ''. I tried to call to talk to multiple people at the bank to get an explanation of what this means and why. No one could even give me a reason. I dont even know what these " risks '' are. I had no unusual activity from what the banker said. He couldn't even get info. The 800 number on the letter that I called had someone on the other end that was so rude that he just said we have the right to bank with whoever we want and that is the only explanation. 

So much for being a loyal customer for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had an account with Amex which was opened prior to XXXX. I had never been past due on the account but unfortunately in XXXX I had to file for Ch XXXX bankruptcy due to the foreclosure of my condo. As mandated by the law, all my creditors were included in the filing. My wages were garnished, I completed Bankruptcy Pre-filing Credit Counseling Program and my bankruptcy has since been discharged. 
Using the second chance bankruptcy gives consumers I have continued timely payments on all accounts I have open now and my credit score is over 700. 
As my bankruptcy was deleted from my credit report after 7 years as is the law, other credit card companies I had cards for at the time of my bankruptcy have since approved me for credit cards over the last few years including XXXX  XXXX, XXXX XXXX, XXXX, XXXX and XXXX. 
The only exception is Amex and I feel they are discriminating against the fact that I declared bankruptcy and will not consider my creditworthiness based on my credit history since XXXX. As they continue to indicate that they are declining me because they incurred a loss, I have offered to repay the amount owed however they will not guarantee that once done I will be granted an account. If the reason for the decline is their loss and I am willing to provide the funds to cover that loss, why then will they not approve the application. 
I have asked numerous times for someone to review the past account and my credit bureau report and not only do I have to repeat my story multiple times, the only response I receive is that they took a loss and it is within their rights to not grant credit. While I agree they are well within their rights, I feel I am within my rights to have them document their decision in writing after a full review of my credit score rather than treat my application with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Kingston Financial, LLC
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like to dispute my inquiries from all 3 credit reports

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like to dispute my inquiries from all 3 credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone stole my bank card and totally wiped out my account of {$11000.00} and the bank ( wells fargo ) denied my claim saying that the chip was used and I guess they figured that it was me. This was done at ATM and I told them that I never ever use an ATM. They was suppose to call me within 1 to 2 business day about my claim, didn't happen then said that sometimes they send a letter, didn't get. Then talked to them again and was told to leave a call back # and the next available person would call, didn't happen. Was transferred to 8 different people all saying they couldn't help. Told them that I was not receiving bank statements and the only thing that each one was concerned with was my address. Talked to them again today and got transferred to different people again and told someone would call me back again.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Yes, I have reached personally to the companies that I do not recognize and to the credit bureau and anything has yet to be resolved as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union 's website!!!! I have had problems with this website for 2 and 1/2 years. I have spent hours trying to use any and all of their services concerning me. Whether it is updating info, requesting credit reports, disputing items on the report and etc. If the website lets me sign in ( that is a problem at times ) and if the website allows me to do, ask for, or change something it always end in " We are having problems.Login later. '' When I login again the website will lock me out or not accept my login info. So to get done what I need to do, I have to call Trans Union on the phone. That is a problem in itself, the telephone number has changed or some reason the number is wrong, etc. Finally I get through to an agent, ask to have whatever done and am told they will handle this through the regular mail ( which takes longer to do ). The agent is very nice and does what you want done but it would be so much easier and quicker if the website would work right. Of course the agent transfers you to website assist to get the website fixed but that is where everything goes wrong. They do not believe you know how to use there website and will not take a complaint or say they will take a complaint and someone will call you back about this. Nine out of ten, nothing changes. Might I added one more thing? I use a chrome book and some websites to not like chrome books. I have had to change my email address because of this. This might be Trans Union 's website problem but who thinks a XXXX year young woman knows what she is talking about ( that at time is a problem ).

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 2021-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have my Home financed with Mr Cooper ( Loan # XXXX ). In XX/XX/2021 I was contacted by Mr Cooper via mail to refinance. I contacted their mortgage specialisXXXX and decided to go with a streamline refi to lower my interest rate. I was told to expect the close to happen in XXXX but could delay until XXXX. In XX/XX/2021, I was contacted by Underwriting related to Ownership and names on the deed ( My wifes name was added to the deed when it should not have been ). My wife signed a warranty deed to remove her name from the deed. The underwriter requested I send them the original warranty deed taking my wife off the deed, instead of having it filed at the court house, which I did. As of the writing of this complaint, I still have not been scheduled to close on this streamline refinance. I have in XX/XX/2021 requested in writing the return of my original documents including the warranty deed that has NEVER been filed. To-date have the documents not been returned, but no one from Mister Cooper will return emails or phone calls related to this matter. Not having this document filed, is now causing property tax implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received an text from numberXXXX, Law Offices of XXXX XXXX XXXX It stated I had to confirm my Chase account within 12 hours. I called the number and it went directly to a voice mail that did not mention this law office. I called Chase which I never had an account with. Chase confirmed it was a scam. I also contacted A law office with the named attorney, but they haven't called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
According to 15 USC I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 

FCRA Section 623 Debt Disputed, XXXX XXXX has failed to report it as disputed. 

FDCPA Section 805 ( b ) XXXX XXXX has contacted 3rd parties in XX/XX/2021, disclosing loan information to XXXX individuals, thus XXXX violations. 

FDCPA XXXX XXXX AND XXXX U.S.C. XXXX ( XXXX ) - Harassment or abuse. XXXX XXXX, Account Control XXXX for XXXX XXXX XXXX XXXX called my family member toxic, rude, a bad human being, condescending, a negative person and then told her to think about herself, wait 30 minutes and call back with a retraction and apology.He told her he had been in this business for 40 out of his 60+ years and that she was one of many liars who he had talked to over the course of his career. This occurred on XX/XX/2021. 

XXXX XXXX  has taken adverse actions toward me pursuant to CFR 1026.13. CFR 1026.13 and now forfeits it's right to collect the disputed amount as described in 15 U.S. Code 1666 ( e ). pursuant to CFR 1026.13. CFR 1026.13.

15 U.S. Code 1681b ( a ) ( 2 ). A consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. By definition XXXX XXXX has committed identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I had received my XXXX  benefits on this card and shortly after became iXXXX My card was used and this person spent every dime. I have provided proof of XXXX to show that there was no way I could have made those purchases as I was in XXXXl. The total that has not been retuned is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like to dispute my inquiries from all 3 credit reports

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian on XX/XX/21 promptly at XXXX XXXX central time to discuss the discrepancies about the membership fee. She still could not give me a direct answer on why I am being charged {$32.00} from XXXX a month. Also, to discuss the disputes which I was given another number to take care of the issue and still did not get anywhere.

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