vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade & Associates, Inc.
State: KY

Complaint narrative:
Previous student of XXXX XXXX XXXX XXXX in XXXX XXXX, OH. Majority of the students I was enrolled with decided to transfer out such as XXXX and XXXX. I do have their last names and contact info because the same thing happened to them! We all know that there was a pandemic last year. I also had a XXXX last year. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That school is aware of the economy and the fact that a lot of people had a hard time with daycares being closed, cut back on work hours, etc. I informed them via email which I have all of my emails, that I could not afford the {$220.00} a month. I did plan to return and had just passed the last set of classes. I withdrew due to my health issues and also due to the hardship from the pandemic. I was told I could reenroll so that I could finish. I was then contacted by someone saying I had to pay XXXX up front! I only owed them about 8 months x {$220.00} if i did want to re-enroll. I reached out to the credit company which they sent my account to. I asked the school for a thorough breakdown of the fees and to show what payments I did make and what fed aide they kept! They did not do it. Instead they sent me an old ledger and had the credit collection company to send me the same thing. They should not be allowed to do this. This is why XXXX was closed down. I was looking to return. The creditor sent me a letter not explaining anything but saying submit payment in full which is over {$7000.00}. They do not have their numbers right and the school is getting over on too many people!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: The CMI Group, Inc.
State: MA

Complaint narrative:
Credit Managment is reporting a fraudulent account on my credit. I contacted XXXX XXXX and informed them that I dont have an outstanding account with XXXX. They said that I could either file a fraud claim which could take 45-90 days or I could pay the {$38.00} balance, and the collection account will be removed from my credit.

Upon contacting Credit Managment, they informed me that XXXX didt communicate to them that this account needs to be removed and they are refusing to remove a fraudulent account from my credit. Please see the attached FTC report and remove this account from all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have reached out to XXXX XXXX many times in attempts for them to fix the in accuracy on my account and they refuse to do that. They are still reporting that its an open account on a closed account from 2018! Ive sent many dispute letters To have them fix the problem and remove it and they refused stating that its allys financial Doing and sending me in circles! THE LAW IS THE LAW! Let me educate ... For one by law Under 15 US code 1681B-permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 2 ) in acco
rdance with the written instructions of the consumer to whom it relates.

I NEVER Gave XXXX  any written consent to report anything on my consumer report. No consent is identity theft. I demanded a deletion of this account. And secondly they need to be fine for reporting lies on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a phishing letter representing themselves as Wells Fargo. They indicated my deposits did not go through. They listed a number which I called and they obtain my personal info such as ssn and dob. On follow up with my bank, they had no records of this account. The number used was 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 2021-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
Date XX/XX/2020 I believed I was enter into a loan that I never signed the documentation. 

I believed I was taken advantage of by broker, XXXX, and escrow company. 

I never signed paperwork for a 2 year loan never realized it until I got Notification that my property taxes were behind. I have been under covid hardship since I was furlough. 

I have ask for help for 6months for a reduction and this company doesn't seem legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have for some time disputed Midland Credit Management about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on Midland Credit Management and XXXX  and XXXX  and XXXX  replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Midland Credit Management decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX  account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Midland Credit Management was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX  and they said they didn't receive anything from Midland Credit Management that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
To Whom It XXXX Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX  or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

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 2021-07-07 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: TX

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XXXX I was alerted to someone trying to hack my account. After repeated attempts to change my password, I tried to get Coinbase to lock my account. I later learned that {$5000.00} was taken from my bank account as well, but that was recovered by the bank. I sent Coinbase several emails trying to get assistance recovering the cryptocurrency I had, with no reply. It is approximately $ XXXX {$700.00}. There is no other way to reach someone other than email. I have copies of all communications sent to them from the moment I feared I was being hacked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One card three times. The 1st Two times I was advised that they could access my credit report. I didn't have any blocks on my credit file. So I applied again assuming that this was a mistake, They declined the 2nd application for the same reason. I called capital one to have them reevaluate the applications both times. So effort was made, no underwriter review, just another decline email seconds after the representative on the phone advised that the application would be reviewed, This inquires really hurt my score, I went to each credit bureau and they all pulled my credit and lowered my score. I had sufficient credit data and a pretty good score, Capital didn't decline me due to credit worthiness, they have some stupid glitch in there system and i'm paying for it. 3 declines later still no card approval

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: SC

Complaint narrative:
On XX/XX/2021 I purchased a Netspend prepaid card from XXXX. Today when I tried to activate it, I realized the company required my social security number which I objected to providing. I returned the card with receipt to XXXX who refused to provide refund but advised that I could activate and bypass my social security number on line. I went on line to XXXX but it required social. I entered XXXX as the social and the company rejected the authorization attempt and required my to download identifying documents and send the. I objected in a telephone call with the company who agreed to send a refund for the card " deposit '' but NOT for the actual purchase price of the card. The company should refund the card purchase price as well. The company advises that the refund of the deposit will arrive via mail in 10 days

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 2021-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I can't provide dates, but probably the bank can. I contacted them at least six times over the past eighteen months to complain that their new security system was not functioning for me since they installed the new protocol. Sometimes they got back to me when I left a message, sometimes not. When I spoke with IT, I asked whether someone might be hacking my account or whether their system was merely dysfunctional. They said no one was, to their knowledge, hacking my account. They said they would work on the problem. Sometimes it was solved. At least on one occasion, it was not. Three to four months later I called in again, etc. Sometimes it was solved within a few days, sometimes not for two weeks. It's been completely erratic with them. 

In the last week of XXXX I was able to access my account, but the next day the same issue arose. A couple days later it worked again. Then again, a day or so later, I could not access the account. As of today, I still can not access my account. 

The USAA customer service phone line has for a month XXXX or more ) had a phone queue of 55-90 minutes during business hours. Rarely can I devote that much time to waiting for someone to pick up the phone. Last night ( this morning at XXXX XXXX  PST ) I got them after a four minute wait. Their wait time about four months ago was between 2-10 minutes. Now, I don't even bother asking them to fix the security issue. They can't do it reliably. I just use their customer banking service instead. But being unable to use the computer, which has greater facilities than their phone app, has become intolerable - I have had it. Please investigate their banking security system and customer service phone queue practices, which are certainly far, far below " best. '' Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EMCC Holdings, LLC
State: VA

Complaint narrative:
We've contacted equiant and XXXX XXXX plantation several times concerning our account. We were tricked into signing up for something that had nothing to do with why we came. We canceled it and now left with a XXXX bill. We've agreed to take care of maintenance fee, which we did but they're still reporting negative on our credit. They've said plenty of times it's not them it's credit bureau but the bureau insist they only report what people report to them. We've done what was asked now they need to delete this negative item off so we can finally buy our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Allen Daniel Associates, Inc.
State: MA

Complaint narrative:
I hereby inform you that I am the consumer, as defined by 15 USC 1692a ( 3 ). 15 USC 6809 ( 9 ). As a natural person, allegedly liable, I do not know the term Custumer that is used in this document to refer to me in order to try to collect an alleged debt. Debt : a word that is defined in title 15 USC 1692a ( 5 ) is an allegation about an alleged obligation, nothing real. Another title such as 12 CFR 1026.36 ( a ) ( 1 ) ( 1 ) ( e ) Debt means an amount of money, funds or property which has been determined by the FDIC to be deu to the United States form any person, organization, or entity, exept another federal agency. 12 CFR 313.121. In this document I cite some of the violations that this company did when trying to communicate with me in order to try to collect an alleged debt, using the USPS postal mail for its acronym to communicate false, misleading and fraudulent information, with the sole purpose of trying to collect an alleged debt. violating the following codes. Violation 15 USC 1692e ( 4 ). Violation 15 USC 1692e ( 2 ) ( a ) ( b ). Violation 15 USC 1692e ( 15 ). Violation 15 USC 1692a ( 3 ). Violation 15 USC 1692e ( 11 ). Violation 15 USC 1692f ( 1 ). Violation 15 USC 1692g ( a ) ( 1,2,3,4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get XXXX and I will file a law suit pending the outcome of this complaint. Thanks 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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation