vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, give authorization for CREDIT COLLECTION SERVICES to move forward with this complaint. 

THE COMPANY " Credit Collection Service '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Credit Collection Service. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. Credit Collection Service HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: SC

Complaint narrative:
SOUTHWEST RECOVERY SERVICES XXXX XXXX XXXX reported that I owed a debt in which appears to have occured when my identity had been compromised.I received emails from this company and assumed it was fraudulent emails and I have advised the company that i had no knowledge of any such debt. XXXX refused to provide any details about debt and has sent me emails in which I responded to advising them that this is not my debt. On XX/XX/2021 they sent this information to the Credit Bureau after I advised them that this is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, give authorization for I.C. SYSTEM, INC to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH I.C. SYSTEM, INC. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

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 2021-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
to who it may concern.i XXXX XXXX.was on aforbearance from last XXXX.un till now. with midLand mortgage.i apply for a modifiedcation.they prove me for a load modified.and sent me out some paper for me and my wife to sign.wich we are separate since XXXX XXXX.i inform midland mortagage that and she live in XXXX and i have to travel down there to get her to sing the modifcation papper s.so i did wen down thire on XX/XX/XXXX XXXX and we sing the papper and send them back to midland mortgage.than midland mortgage started to call me all day and night asking me when am i going to send the papper. and i told theme i did all ready.just keep calling me telling me they are going to forclose on me.so now i got to go all the way back XXXX .TO GET MY WIFE to sing the pappers.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One bought the XXXX XXXX credit card that I have had for many years with no late payments. My account was on auto pay and when Capital One bought out XXXX XXXX this fall, the auto pay was not transferred. I did not realize this until I looked at my credit report and saw 2 late paymentsXXXX and XX/XX/2021. I immediately paid the amount due and contacted Capital one. They said XXXX XXXX sent out a notice that auto pay would be disabled and we would have to set it up again, but we did not recieve this notice. Nothing by mail and no phone call. 

I have never had a late credit card payment in my life, and this greatly impacted my credit score and my ability to get a mortgage. Capital One has not been helpful in any way with how to resolve this issue. I have called twice and submitted disputes. I would like them to remove those late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In 2017 I had issues with WELLS FARGO where they SUDDENLY stop accepting my payroll checks through ATMs and opening lines of credit without my permission and charging unnecessary bank fees, just ou of control. THEN the fan hit publicly about their practices. THEY REPORTED NEGATIVE INFO ON ME TO IN XXXX AND IT IS NOW CAUDING ME PROBLEMS IN OPENING FURE ACCOUNTS WITH OTHER BANKING ENTITIES. THEY OWE ME MONEY WAY THEY WAS ROBBING ME IN FEES.

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 2021-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
AMERICAN CREDIT ACCEPTANCE IS IN VIOLATION OF MULTIPLE FDCPA LAWS! On XX/XX/XXXX of 2020, I was violated multiple times at XXXX XXXX XXXX in XXXX, XXXX by American Credit Acceptance. I have mailed this affidavit of truth and invoice to american credit acceptance but have not gotten any reponse and i am owed compensation for them violating the laws. I am attaching a affidavit of truth, Files pertaining to the Exhibits on the Affiavit of truth, ID, And proof of adress/identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX, give authorization for WELLS FARGO XXXX to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH WELLS FARGO XXXX. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO XXXX5 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had a Lowe 's credit card through Synchrony Bank. In XXXX, there were charges that were made on my Lowe 's card, totaling approximately {$3800.00} that I did not authorize and was not aware of. I had contacted Synchrony Bank several times on the issue and they stated that they would investigate the charges. They provided me with details on the charges, stating that the charges were placed using a register printed temporary card, that the purchases were for Debit Gift Cards, and that the charges were done at different Lowe 's stores on each occasion. In XXXX, after months of being told that " they were looking into the charges '', I stopped paying on the account as I had now started to accrue massive amounts of interest on the account from the fraudulent charges that I had been disputing. Synchrony Bank later charged off the account, while it was still in dispute. Attempts to contact Synchrony Bank after they charged the account off and sold the account led to being directed to two different debt collection agencies, both of which redirected me back to Synchrony Bank with attempts to deal with the fraudulent charges that took place.

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 2021-12-23 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. 

15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

FRANKLIN COLLECTION SERVICES Who did you interview and can you provide the names of the neighbors, friends, or associates of the consumer reported on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Lender : Hyundai Motor Finance ( XXXX, XXXX ) History XX/XX/2021 : Purchased XXXX XXXX XXXX with {$7400.00} XXXX 2.5 % XXXX loan from HMFUSA XXXX 
XX/XX/2021 : Made {$6000.00} pmt. 
XX/XX/2021 : Called HMFUSA and asked {$6000.00} to apply towards principal payment. 
XX/XX/2021 : HMFUSA credited another {$6000.00}. Account shows {$0.00} amount due. ( attached exhibit 1 ) XX/XX/2021 : HMFUSA sent a loan satisfaction letter and released the title. The letter states " This letter shall serve as certification and evidence of satisfaction of the above-referenced retail installment contract '' ( attached exhibit 2 ) XX/XX/2021 : FL DMV Vehicle title record shows " There is no lien on this vehicle ''. ( attached exhibit 3 ) XX/XX/2021 : Logged in to check loan status. Payment history shows {$0.00} balance amount. ( attached exhibit 4 ) XX/XX/2021 : Called HMFUSA to inquire about the loan status. CSR confirmed the loan is paid in full and I have 0 outstanding balance. Phone conversation is recorded. XXXX : XXXX XX/XX/2021 : While on vacation, received a call from HMFUSA that I now owe HMFUSA. I explained that I've received loan satisfaction letter and title was released. Asked supervisor to call me. Never received the call for any explanation of change. 
XXXX : Back from vacation, logged in to the same account. Payment history is changed. ( exhibit 5 ) The principal balance changed to {$1400.00}. It also displays Total amount due {$890.00}. " Your account is XXXX day ( s ) past due '' ( exhibit 6 ) XX/XX/2021 : Called HMFUSA to inquire more. Not answering.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Someone opened a credit card acctat target/TD Bank in my name on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On or about XX/XX/2020 and XXXX of 2020 the amounts on PayPal were different. I reported these to PayPal 2 times and notified them of a data breach I was involved in through XXXX credit bureau. I have gotten a response stating they don't see what I'm seeing on there end!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
tried to withdraw funds but told account put on hold due to suspicious activity. i havent even been on this account in months prior now all of a sudden i cant withdraw?! contacted company and they asked me to send them a copy of my drivers license and a handwritten note confirming the day; told it would take XXXX business days to resolve. i sent the info the same day and havent heard from the company since. its been XXXX business days! my personal information is out there and still can not withdraw funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns have placed over 7k on my credit file due to someone stealing my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Credit was applied for several different times at different banks. Credit was not given by banks but inquires are now on my credit report preventing me from actually acquiring real credit

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 2021-12-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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