vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received an email on XX/XX/2023 from capital one stating my new credit card was approved and ready to use. I did not sign up for a card from capital one. I immediately called their customer service number and they assured me that the account was closed and a fraud report was filed. They did not provide me with any documentation on anything. 

I then called them on XX/XX/2023 to see if I could recieve some sort of documentation and I was told that a piece of mail would be sent to me. 

Now on XX/XX/2023 I received another email from capital one saying my email was updated on my account. I called capital one again because supposedly my account was closed and nothing should be updating on my closed account. They said that although there is an investigation open, the account cant be closed until the investigation is complete. 

This is ridiculous and should not be a standard for capital one. This needs to change immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Never received any documentation or original requested signed documents that I owe. Reporting inaccurate and fraudulent amount. Account shows open, never was notified before reporting. Account just showed up on my report with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
In XX/XX/XXXX I received a collection notice from Trans World Systems Inc on behalf of XXXX XXXX XXXX, XXXX XXXX, TX in the amount of {$1200.00}. I have never lived in this city and reside in XXXX, WA the last 15 years. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they verified there was no account under my name and that it was a phony collection. On XX/XX/XXXX my credit score suddenly dropped XXXX points from XXXX to XXXX. I checked my credit report and found that this phony charge of {$1200.00} was now listed as a collection by two collection companies. 

XXXX XXXX XXXX and Transworld Systems Inc. I will now have to retain an Attorney to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: IN

Complaint narrative:
On XX/XX/XXXX  my ex boyfriend received a phone call on the phone line i previously had and stated that a debt collector was looking for me and leaving voicemails on his line, when he called the debt collector back to obtain information, they stated they were looking for XXXX XXXX. He would not have know that was debt collector had they not had specified that on the voicemail. Now, he has my personal information and knows there is a debt allegedly out there for myself. This is 100 % against the FDCPA 's voicemail standards as they are not supposed to identify themselves on a voicemail as a debt collector unless that voicemail specifies that specific person 's name on the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
Two years ago I took an installment loan from a lady named XXXX at Advance America in XXXX Al and I had automatic payments taken out of my account and the loan was paid off in XX/XX/XXXX today I saw they were still taking money out so I went to their store. They claimed I refinanced it in XXXX and have been taking money out of my bank account. I havent been in the place in over a year. Some guy I have never met claims he was the one I refinanced with and the electronic signature is not mine. I received a large severance package in XXXX when my job ended so I would never have took a loan at XXXX XXXX  interest. They have been taking money from my account twice a month and the original loan was monthly. I have several accounts and didnt catch it until today. They produced a copy of a contract with an electronic signature that isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is not acting in good faith to fulfill my request to investigate my car loan. I paid my loan via their website. Due to a technical issue on their site my payment apparently never went through. Wells Fargo failed to notify me electronically of the 'late ' account until it was well past due and has now very negatively affected my credit score. I will file complaints with every regulatory agency I can until my credit score is adjusted.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've made a written request to have Experian ( XX/XX/XXXX ) validate false information on my credit report that they prepare. I received a letter saying my letter was suspicious and they can't verify my identity or could be a 3rd party. I sent in my DL, Lease, electric bill, and XXXX ( photo copies of all these documents ). Next, I called on Wednesday XX/XX/XXXX between XXXX XXXXXXXX XXXX est. The representative told me that they are not processing mailed complaints and I have to either do it by phone or email. I explained that was not true. I read the FTC which recommends making complaints in writing, because you can not verify what is said on the phone and I was told by an attorney that if you do it online, you have to agree to there user agreement and could limit legal actions. I asked why my letter was suspicious can't be verified. He stated they do not respond to mailed letters and send this response to all people. I asked to speak to a supervisor. He put me on hold for over 20 min, then said it would be a little longer. I waited for another 5 mins, when he returned he said all supervisors were busy and asked me for my phone number and a supervisor would respond within 24 hrs. I waited until Friday and never received a call so I called again. I spoke with a supervisor who could not confirm or deny this process. I explained I used a letter format directly from the FTC website, and wanted to know WHY they don't believe this letter was sent from me. She said once they sent an email to me the letter is discarded, so she couldn't tell me. I've spent my personal money to send this letter and demand to know what Else I could send to verify my information. She couldn't tell me, so I asked ; If I send the same information as listed on the Experian website I should expect a different result. That doesn't make since and I don't have money to waste if they just decide they don't want to investigate my case. They are violating my FCRA rights, by refussing to remove this information. It specifically states they need to complete an investigation within 30-45 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 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On the day we purchased the vehicle from the dealership, it was strongly suggested by XXXX the Finance Manager that I purchase an additional Vehicle Repair/Service Plan for {$1800.00} ( which he included in the Loan or financed amount ) which was a Pre-Paid service repair plan which I could use for repairs and service on a future date as needed. 
At no time was I informed and categorically advised that I could lose the {$1800.00} as a result to Non-Usage, I was not informed that I had to use the Pre-paid service plan by a specific date, nor was I informed that the money I was agreeing to pay could be lost and was non-refundable. Had that been disclosed to me, I would Not have agreed to finance an additional {$1800.00} which I could loose. The sales agent NEVER informed me of the potential loss of our hard-earned money otherwise we would not have agreed. This is a clear case of deception and exploitation, and I am a senior citizen who was railroaded into buying additional services with a steep price without being properly informed. 
We paid for the service in earnest believing that we could use the Prepaid service anytime we wished. As stated by the sales agent " Enjoy Peace of mind savings when you pay in Advance '' which is what I expected to receive, this purchase was made at the suggestion if not the insistence of the sales agent just before signing the transaction documents. Upon contacting the dealership to get our money back we were informed that the money is not refundable. {$1800.00}! Gone! without being properly informed about what we were being signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I applied for financing through American First Finance, to purchase a washer/dryer from XXXX XXXX ( furniture store ). I paid a processing fee of {$53.00} and the account was opened in the amount of {$1800.00}. The payment schedule was bi-weekly for {$150.00}, with a {$0.00} early buyout period that ended on XX/XX/XXXX, for a 2 year plan. The first payment was due on XX/XX/XXXX. I signed in to the online account on XX/XX/XXXX, paid the full buyout in the amount of {$1900.00}, and have an email receipt showing XXXX balance. I was then charged an additional {$150.00} on XX/XX/XXXX. I called American First Finance to inquire, and was told there were additional fees in the amount of {$150.00}. I requested a refund due to those fees not being disclosed and the refund was placed in my account on XX/XX/XXXX for {$150.00}. I was then charged again on XX/XX/XXXX for {$130.00}. When I called to inquire why I was charged again after my account was closed, I was told the account was reopened when the refund was sent. I was offered a pdf document with a small chart that looked hastily made and unofficial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Received marketing email approximately XX/XX/2023 that stated if I share a link with my friends and family, and they get approved through this link, I obtain XXXX bonus points. My mother-in-law used this link, was approved, used the card, and has already received her bonus points. I called on this multiple times and the requirements kept changing ( must use car, must be billed, etc. ). I closed my account on XX/XX/2023 because they kept saying they were going to escalate this issue ( three separate calls ) but the marketing department never followed up on the misleading advertisement and provided the XXXX points earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: TX

Complaint narrative:
XXXX XXXX XXXX rented out a filthy car that may have had windshield damage at the time of rental. The car did not have a full tank of gas and was very filthy. It was the only car available that evening and my son needed it for work the following day. On the way to work, my son noticed it had a crack that got larger each day. We asked XXXX to supply photos taken of car prior to rental. They refused. We asked for the bill and they did not send it. The XXXX representatives who rented out the car were fired because of fraudulent pratices. We do not trust XXXX and believe we have been scammed by their former employees. XXXX has reported us to Viking Client services. We requested photos and bill from Viking as well. XXXX XXXX is refusing to send pics and bill. Her agressive tone was hostile. Car was rented around XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: LD Holdings Group, LLC
State: MS

Complaint narrative:
Recruited to work full time with benefits for loanDepot. Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX XXXX. XXXX months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through XXXX, and that means that I was actually not paid at all for any of the full time XXXX month work that I performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Originally dated XX/XX/ ( sent via email ( w/attachments ) To whom it may concern : I am including documents related to my continued dispute of a charge for a reservation, which I had to cancel. If there are any other documents needed, please email me with instructions. If you need a doctor 's letter, explaining my physical condition as to why I cancelled, please let me know because I have a debilitating XXXX condition that has gotten worse, and can not walk without help or a wheelchair. I am XXXX XXXX XXXX and on a fixed income and have never made a hotel reservation in my life where it had to be paid up front ( always at check out at the hotel ). I was with major corporations where I travelled extensively, and never heard of this type of cancellation policy, let alone agreeing to it! 
I also am skeptical of something which prompted me to dispute this charge. When I checked into it on the Citi Bank website, I saw dates differing from my already planned XXXX XXXX XXXX reservations. It was for mid XXXX, which was incorrect & I thought it could be a scam, either from the hotel or XXXX... but now, mysteriously, it has disappeared from your site. I originally questioned it with my first Chacontact yet did not know I was to copy & paste the entire conversation! If you could please investigate that, I know I am not losing my memory or going crazy, for I still have excellent cognitive thinking & perception skills! 
Thank you for following up on this critical issue, I will await your response or any further follow-up needed. Going forward, if I make hotel reservations, I will only use XXXX, which I have used for many years and never had to pay up front but pay the hotel upon check out! If they are, in fact, affiliated with Citi Bank, I would change their policy before recommending that your customers use your travel site for points, why I used it, in the first place. 
I believe in excellent customer service, having had a successful career dealing with customers and I hope your company feels the same. 
Yours truly, 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 monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I discovered that this debt collection company named Credit Systems or Credit Systems International placed a collection on my credit report. It shows that the item posted on XXXX XXXX. The amount in question is {$120.00}. I disputed the item back in XXXX of XXXX  and it came back verified in XX/XX/2023. I have never entered into a contract or written agreement with this company or the original creditor listed. I called the company in the beginning of XXXX and the representative stated that the call is being monitored and recorded and this is an attempt to collect the debt, then proceeded to ask for my personal information to verify if I had a debt on file, I disconnected the call. The representative called back and I requested that they do not contact me again without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

Company response to consumer: Closed with explanation