vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: NV

Complaint narrative:
XXXX XXXX XXXX violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing Advertising and Marketing Basics Online Advertising and Marketing Credit and Finance Credit and Loans  Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are four affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: NV

Complaint narrative:
ally bank ftc violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX TAGS : Automobiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and Loans Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are XXXX affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins

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 2020-04-24 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: NV

Complaint narrative:
XXXX XXXX ftc violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and Loans Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are four affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins

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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo is not letting me close my account, and they continue to charge me monthly service fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 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: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/2020 my wife and I purchased 2 airline tickets from XXXX XXXX on our CITI bank/XXXX XXXX credit card. XXXX XXXX changed the reservation and cancelled the leg of the route that gets us from the island of Hawaii to the mainland. We contacted XXXX XXXX and they agreed to refund the purchase price of the ticket in 7-10 days ( XX/XX/2020 ). We have contacted XXXX XXXX about the refund 2 additional times. Their response is that it is in process and that they can not provide the services that I purchased due to the flights from XXXX Hawaii being cancelled. The credit card company is saying that I have to wait 30 days to give XXXX XXXX to credit my card before I can dispute the charge. In my credit card agreement I can dispute a charge if I purchase an item and the company does not provide services. It does not say anything about a waiting period. Citi Bank is charging me interest on the purchase and not allowing me to dispute the charge for 30 days in violation of my credit card agreement.

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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Disregard of a cease and desist order On XX/XX/2020 at approximately XXXX hours I XXXX XXXX, informed XXXX, phone representative, of Transworld systems IncXXXX, to cease and desist from calling my cell phone and if they call my cell phone number again an official formal complaint will be launched against their company, she acknowledged by saying yes she understands however, she disregarded the notice by stating that there is no guarantee that I still would not receive any calls. 

At this point I restated my cease and desist demand and she acknowledge and state yes she understands however she continued and said, " Unless there is another phone number. '' I quickly restated my demand and asked if she understood what I just said and she said yes. 

And her response was, " unless there's another number, '' " I'm just asking is there another number? '' I restated an asked if she understood what I just said and she said yes sir.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: ME

Complaint narrative:
Received phone call yesterday in regards to this. Loan was allegedly taken out in 2013, I was not residing at address mentioned in 2013. Also, I have never heard of a company reporting to a credit bureau after stating account would not be placed with credit bureaus. Second, this account if legit, is beyond the statue of limitations for the state of MaineXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
more accounts that could not fit all onto the ftc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$200.00} High Balance {$200.00} XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2400.00} High Balance {$2400.00} Hippa violations XX/XX/XXXX Collection Agency XXXX Original Creditor 11 XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$270.00} High Balance {$270.00} Remarks Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
more accounts that could not fit all onto the ftc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$200.00} High Balance {$200.00} XX/XX/XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2400.00} High Balance {$2400.00} Hippa violations XX/XX/XXXX Collection Agency XXXX Original Creditor 11 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$270.00} High Balance {$270.00} Remarks Placed for collection

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 2020-04-24 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: TX

Complaint narrative:
more accounts that could not fit all onto the ftc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection XX/XX/XXXX XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$200.00} High Balance {$200.00} XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2400.00} High Balance {$2400.00} Hippa violations XX/XX/XXXX Collection Agency XXXX Original Creditor 11 XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$270.00} High Balance {$270.00} Remarks Placed for collection

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 2020-04-24 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: Comerica
State: OK

Complaint narrative:
There were 2 charges on my direct express card from XXXX, one on XXXX and one on XX/XX/XXXX, both for the amount of XXXX. I called and spoke to direct express to dispute the charges and was told a packet would arrive in 3-5 days. Nine days later i recieved the dispute form and faxed it back immediately. I called to make sure that the information was received an was advised that it had been and that my claim had been denied for " general reasons ''. When I spoke to XXXX they told me that the card was being used by someone named XXXX XXXX and that I needed to cancel the card because they could not block it from being used again. The business that took my money knows that it wasn't me because the name on the account didn't match the name on the card, but the rude lady at direct express touted that " a very extensive investigation with lots of research '' was performed. When asked what was used to back up the denial she had no answer. She then began to repeat the decision is final over and over when i requested to speak to supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX My partner and I went into Capital One Bank in XXXXXXXX NJ  to open up a business bank account, from the start we were told that you have to be a customer for more than a year to apply for the PPP loan we never asked or implied thats why we were there. I was asked a bunch of questions which I deemed was unnecessary to ask plus I had a hard inquiry done on my credit. And when it wasnt enough I was told to come back to complete the process because they had to get verification From corporate to open the account I was never told a hard inquest would apply and it was used to verify my partner and I. I left very disgusted and plan to close my personal accounts cause if they can profile me in that manner for trying to open a business account, I can imagine what treatment Ill get as a personal account customer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
This company accessed my credit profile on XXXX without my consent on XXXX.They also placed a 7 year old fraudulent debt on my credit report and put a date of XX/XX/XXXX for collection and account opening, which is illegal. This debt was done fraudulently and was removed 7 years and the service has been DEPLORABLE. I had filed a police report, XXXX complaint and FTC complaint and report as well during that time and again recently. This company has over 300 complaints about various unethical business practices which are not limited to reporting old information on the XXXX site itself.They have been no help in getting this matter resolved and it is absurd for be to jump through hoops to get this removed off my credit report. It was placed using a collection company with the account # XXXX. They have never contacted me sent ANY LETTERS nor anything else since XXXX! I'm certain whatever address they do have is wrong since this was done fraudulently in the first place ( They accessed personal information WITHOUT MY CONSENT XX/XX/XXXX VIA CREDIT REPORT ). I called yesterday ( XXXX XXXX ) and was placed on hold a total of 6 times, sent to the voicemail of someone named XXXX twice and met with rudeness from several agents.If this is NOT REMOVED AS REQUIRED BY LAW, I will indeed pursue legal action IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am writing to report illegal activities of SPS Select Portoilio Servicing , Inc ( SPS  ). This company is taking advantage of the Covid-19 crisis, to illegally extort moneys from consumers, knowing that legal help is limited during the crisis. 
SPS a mortgage servicer charged me an extra {$5700.00} on XX/XX/XXXX, stating they are doing this on my behalf due to urgency surrounding delinquent taxes. This amount was added to my mortgage in addition to extra high interest. This is very false and there are no deliquent taxes in XXXX. 
Secondly SPS sent me a letter stating that I called to deffer my XX/XX/XXXX mortgage payments because of Financial hardships with documents that reflect a delay in the maturation of the loan. This is also very untrue and my mortgage for XXXX had been paid before the letter was sent. I have never called SPS to discuss any financial hardships.This is a scam and 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 2020-04-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA DECIEVES CONSUMERS WITH LISTED CREDITS Adjustment Purchases ( NOT INCLUDED IN THE TOTAL CREDITS LINE UNDERNEATH ALL THOSE LISTED ) See attatched USAA statements XX/XX/XXXX XX/XX/XXXX. Under Transactions NONE OF THE ADJUSTMENT PURCHASES CREDITS LISTED ** MADE TO APPEAR INCLUDED ARE INCLUDED IN THE TOTAL AT BOTTOM OF ALL THOSE LISTED. ** Kindly Note the cute little minus sign ( - ) DECEPTIVELY MAKING TRUTH IN LENDING STATEMENTS APPEAR LISTED ARE TOTALLED. ** THEY ARE NOT ** Note XXXX OTHER CREDITS TOTAL {$2600.00} ** ONLY {$910.00} are on TOTAL LINE OF CREDITS?? MISSING CREDITS??? 
ALL USAA CREDITS ARE INTERNAL HIDDEN FROM CONSUMERS. XXXX PROFOUND DECEPTION IN TRUTH IN LENDING STATEMENTS. WHY ARE CREDITS LISTED ABOVE THE TOTAL CREDIT LINE ** NOT INCLUDED IN THE TOTAL??? TOTAL CREDITS THIS PERIOD IS TOTAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XX/XX/2015

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 2020-04-24 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: TX

Complaint narrative:
ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.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 2020-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Colony Brands, Inc.
State: OK

Complaint narrative:
I ordered from Swiss Colony : Chicken, duck, pheasant ; advertised pricing {$92.00} plus shipping and handling. 

I only received a very small chicken in this order. 

Swiss Colony Representative stated I could not return item for refund Swiss Colony Rep apologized, but mislead me into believing, the order was accurate. 

I later revisited the site and the same chicken, duck, pheasant was advertised for {$92.00}. 

The price has now changed as of XX/XX/2020. 

I also have an Swiss Colony account with recent payment of {$25.00} and {$50.00}, the Swiss Colony statement does not reflect correct available credit to this account for payments rendered. 

I have XXXX ( XXXX ) available credit on my {$300.00} Swiss Colony credit card, which is an error and degrading. 

I was issued a XXXX XXXX credit account. 

After one ( 1 ) XXXX XXXX  purchase and payment, Swiss Colony, without my knowledge, transferred my payment and balance to my Swiss Colony Account causing a high balance/interest. 

Swiss Colony is requiring one hundred percent of purchase price for orders place, when Swiss Colony approved my credit. 

Swiss Colony/XXXX  XXXX is requiring deposit, " full payment of order '' to establish already established credit with Swiss Colony/XXXX XXXX

Company response to consumer: Closed with explanation