vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I contacted Affirm in XXXX of 2022 because I received emails about an account that I did not set up or authorize. I also mentioned to Affirm that the account was fraudulent and no payments were ever made or received from any credit cards or bank cards or bank accounts associated with my name. They didnt resolve the matter & told me I was responsible although I never made any payments on the account, as I couldnt because I never made the account. I explained that the affirm account isnt linked to any of my bank cards as a method of payment so I dont understand how a victim of identity theft is responsible for the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 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 Fair Debt Collection Practices Act - 807. False or misleading representations

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 2022-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX, I ordered 3 doors for the amount of {$22000.00} from XXXX XXXX XXXX. No doors have been delivered or installed. 
I've had multiple concerns. 

My most recent concern involves XXXX XXXX XXXX ' claim that I consented to enter contracts via electronic signatures. 

On XXXX XX/XX/XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX sent a consent letter which she claims I had signed on XX/XX/XXXX. 
But the document is dated XXXX XX/XX/XXXX and it does not have my signature. ( Please see attached document 1 ). 
XXXX XXXX 's email concludes with a threat that if I cancel the purchase order, I will be liable for {$4000.00} to Greensky from whom a loan has been authorized on my behalf. 

I advised GreenSky that according to Virginia law 59.1-483b, an agreement to conduct a transaction electronically may not be inferred solely from the fact that a party has used electronic means to register a purchase order and that according to the law, this subsection " may not be varied by agreement ''. Meaning affirmative consent to conduct business electronically may not be omitted. 

GreenSky responded on XXXX XX/XX/XXXX, asking " what is it that you are wanting from GreenSky, '' and eventually that I " follow up directly with the merchant regarding this matter. '' ( Please see attached document 2. ) CFPB XXXX XXXX XXXX XXXX. XXXX requires GreenSky to " review and analyze complaints ... for the purpose of identifying trends ... and XXXX potentially involved in unauthorized loans and related unauthorized transactions. '' In this instance, GreenSky has violated that order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I have received several notices from University XXXX XXXX XXXX and several of its debt collectors. I do not owe the money, and I have requested written confirmation, which has NEVER been provided to me. I disputed this debt within a week of being contacted ( 3 years ago ). When I ask for proof, they never sent it, and just keep sending letters indicating I owe the debt. 

I have never attended XXXX, nor did I enter into any agreement where I would owe money. I literally have no idea why they think I owe the money. The reason they have given me for not providing written proof is that they updated their system, and can no longer access it. 

I also received a call from a debt collector approx a month ago. On that call, I asked for proof of the debt. The debt collector said he would, but nothing has ever been sent. 

I have asked them to stop contacting me, and they refuse. I most recently received a letter from Williams & Fudge indicating I owe them {$250.00}. How do I get them to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
2nd complaint - Same issue as shown below. 
NOTE : The resolution is NOT acceptable and opens me up to Identity Fraud. The company is not looking for any work around and I will not give them a copy of my social security card. They have everything to determine there is no fraudulent activity on my account. Bank account info, Driver 's license, secure questions, etc... 

Original complaint : " On XX/XX/2022, I was making a purchase at XXXX XXXX in the amount of {$1500.00} and received an email asking us to recognize and confirm the purchase. That was done, but still they didn't approve it and said needed to call for verification. I did that, answered a myriad of questions and then they asked me to send them a copy of my drivers license for further verification, which I did. That still wasn't good enough, so they told me they were freezing my account and the only way to remove the restriction was to physically mail a copy of my drivers license AND my Social Security card. I told them I would NOT send a copy of the card, as that is only setting me up for identity fraud ... it would be pretty easy for someone to steal my identity having a copy of my actual card. That account has a reward balance of {$370.00} and since I could no longer use the card, I wanted to redeem the rewards I had earned. Due to the account restricted, I could not do it online like I normally do. So, I called them and asked them to send me my rewards. They said they would not, since the account is restricted and they need me to mail a copy of my social security card to remove the restriction. Once again, I explained why I would not do that. They already have my SS information, bank information, drivers license, etc... I have made multiple calls and spoke to various managers and supervisors and no one will help me. They could not show me anywhere in my agreement with them that rewards would be held on restricted accounts or held XXXX unless I provide them my Social Security card. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 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 ( A ) ( 1 ) 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 believe 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 2022-10-13 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: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: NV

Complaint narrative:
This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the ClarkCountyNV.gov website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, Rausch Sturm LLP, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the Rausch Sturm representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt. 

2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative. 

On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to Rausch Sturm. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX. 

On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the ClarkCountyNV.gov website and asking to have it updated as per the Agreement. 

No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.

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 2022-10-13 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: CA

Complaint narrative:
My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Recently, I applied to refinance one of our properties and your name was listed with derogatory payment history. 
After calling your polite agent, she informed me that the account number XXXX was listed under my social security number ; last four digits XXXX with XXXX XXXX and XXXX XXXX as the account holders. I have a son XXXX but we live here in California. 
The address in question is XXXX XXXX XXXX in XXXX, XXXX XXXX and the purchase price was {$580000.00}. I am notifying XXXX XXXX of this fraud and would like to file a fraud case against this file, the people living at the address or anyone who was part of this transaction. I have never owned, applied or filed for a loan for that property or any property in XXXX XXXX or anywhere outside of XXXX with XXXX XXXX XXXX, XXXX or any other company. 
What are my next steps? What are your procedures in handling this fraudulent account? I understand the loan was passed to XXXX XXXX in XXXX, so they are next on my list to contact. XXXX XXXX, however, initiated the loan in XXXX of XXXX and so I am starting with that company as they are the responsible party of the initial fraud. I would like to know the loan officers name who authorized and approved the loan and what means of identification were used to obtain the loan? 
I can be reached at ( XXXX ) XXXX or email ; XXXX. Please contact as soon as possible as to your intentions. A police report has been filed in my city of XXXXXXXX XXXX. This has caused me hundreds of thousands of dollars in higher interest, insurance fees and denials of loans.

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 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I received a letter in the mail dated : XX/XX/2022 from a collection agency. The ageny 's name is Credit Collection Services. They are attempting to collect a debt for an XXXX XXXX XXXX XXXX XXXX. I have NEVER had XXXX XXXX. I have NEVER received a bill for mobile services from XXXX. I have XXXXXXXX XXXX XXXX were are paid on time monthly as an automated withdraw from my account. I called the collection agency they wanted personal information that I did not feel comfortable giving. I explained that I had never had an account with XXXX and XXXX also confirmed this. They continued to ignore this and told me that they needed personal information to access the account and remove the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I signed, before a notary, a Partial Claim Mortgage agreement for my Loan, with Homepoint Financial which was my current mortgage servicer at that time. On or about XX/XX/XXXX the loan was transferred/sold to XXXX XXXX XXXX I was told by Homepoint that moving forward I would be paying my mortgage obligation to XXXX XXXX as they are the new mortgage servicer. When I went to pay I was told by XXXX  that I owed the total of the forbearance amount plus the XXXX payment. Looking into it, I was informed that all the original docs were not forwarded to XXXX XXXX by Homepoint and they were refusing my payment. Unable to resolve the issue, and after many attempts, I reached out to CFPB ( Complaint # XXXX ) for help. On XX/XX/XXXX XXXX XXXX responded to the complaint and stated that " ... After a review, we were able to get a copy of the executed loan modification documents from Homepoint and have applied the modification to your loan. '' After, they accepted and apply my mortgage payments accordingly, however, I am still being forced to sign a new agreement with XXXX XXXX. The problem was not resolved as answered to the CFPB, and they want me to sign again a second agreement with no proof that I wouldn't be held responsible for the first one. Every month I receive these documents to sign. When I speak with loss mitigation I'm told that, in fact, they did not receive that documents from Homepoint and they are holding me responsible again. Homepoint and XXXX XXXX  need to resolve this issue between themselves. I have no power here I do not possess the originals as they were sent to Homepoint Financial and acknowledged received by Homepoint Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: LEXISNEXIS
State: FL

Complaint narrative:
HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company LexisNexis Consumer Center too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had opened Wells Fargo XXXX Checking account on XXXX XX/XX/2022 with a cash back promotion of {$200.00}. Terms and conditions of the promotion : 1. Receive a total of {$1000.00} or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening ( the qualification period ). 
2. Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 

I opened this account online following the right promo code. 
Called on XXXX XX/XX/2022 at XXXXXXXX XXXX.. supervisor confirmed I will get the bonus. He stated that last time I got cash back bonus on XXXX XX/XX/2022. So I am good and will be getting {$200.00} bonus. 

It's almost 90 days and I called Wells Fargo today also. After 2 transfers, talked to XXXX. I am told that they are not aware when i will be getting {$200.00} bonus. She created some case which starts with IN. Call happened at around 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 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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 an account without my written instructions 15 U.S.C 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 Fair Debt Collection Practices Act - 807. False or misleading representations

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 2022-10-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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 an account without my written instructions 15 U.S.C 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 Fair Debt Collection Practices Act - 807. False or misleading representations

Company response to consumer: Closed with explanation