vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kubota North America Corporation
State: MS

Complaint narrative:
I, herein Affiant/Consumer, a living Heir, breathing woman, being first duly sworn, depose, say, and declare by my signature that the following facts are true, correct, and complete to the best of my knowledge and belief. 

XXXX. THAT Affiant/Consumer is competent to state the matters included in his/her declaration, has knowledge of the facts, and declared that to the best of his/her knowledge, the statements made in this affidavit are true, correct, complete and not meant to mislead ; XXXX. THAT on or about XX/XX/2021, Affiant/Consumer sent a legal document entitled COPYRIGHT/COPY CLAIM AFFIDAVIT UNDER CONSTRUCTIVE NOTICE and Cease and Desist to Kubota Credit Corp/ Respondent via Certified Mail with Return Receipt giving notice of dispute of the debt under 15 USC.

3. THAT Respondent had fourteen ( 14 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts and agreed that the undersigned can exercise remedy afforded by HJR 192, codified at 48 stat. 112. 
XXXX. THAT Respondent isnt given any additional days to contest Respondents Acceptance as to the stipulated agreement based upon silence, acquiescence, and therein tacit agreement.

5. THAT the Respondent is Noticed that Respondent is in Default, failed to contest acceptance and is in agreement.

6. THAT Respondent has continued to communicate with Affiant via phone and cause major grief to Affiant/Consumer. 
XXXX. THAT Respondent has continued to communicate with Affiant via mail and cause major grief to Affiant/Consumer.

8. THAT Respondent has reported to consumer reporting agencies that Affiant/ Consumer has not paid the disputed debt.

Without Prejudice, UCC 1-103, 1-308 and 9-311 et al

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
Good Day, My name is XXXX XXXX, New Jersey, XXXX. 
I am complaing Xoom Money Transfer Company ( A XXXX COMPANY ), XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, Phone : ( XXXX ) XXXX for delaying these 2 specific transactions # XXXX and # XXXX. 

Those 2 transactions were initiated on XX/XX/XXXX and XXXX XXXX and up to NOW its still on DELAYED STATUS, " VERIFYING RECIPIENT 'S INFORMATION '' While these 2 transactions status are DELAYED, the funds were already taken out of my XXXX XXXX a couple of days after they were intiated. And up to now, the money xoom took from my bank is not with my recipient nor with me for an extensivle long time and did i try to email them TWICE and no one will respond to my email to explain why this is taking so long and them holding my money from me and from my recipient. I have sent MULTIPLE MONEY TO THIS PERSON prior to these transactions and they all went thru very quickly With no delays and I even sent MULTIPLE MONEY to the same person AFTER THESE 2 DELAYED TRANSACTIONS and they even went thru first. 

I have tried contacting XXXX XXXX to ask if they know what happened to my money, XXXX said the money were extracted by xoom and XXXX cleared it so XXXX did complete their end and do not know what happens after that, but XXXX confirmed to me that XOOM SUCCESSFULLY EXTRACTED THE FUNDS. 

I ALSO contacted my recipient asking if xoom has contacted her to " VERIFY '' her account and xoom NEVER REACHOUT to her to and give her status nor updates nor nothing about the money. 

I am frustrated, its pandemic and xoom is holding my money from me with no representitive from xoom to explain what is going on. No phone calls, no response to emails NOTHING. MY MONEY IS WITH THEM, NOT WITH ME, NOT WITH MY RECIPIENT. 

Please CFPB, I really really really need your help. I am a nobody in the face of xoom so i need somebody ( CFPB ) yo help me get answers from them for why they are holding my money AND NOT RESPONSING TO OUR inquiries about delayed transactions that need confirmation OR verificiation out of the blue, even arfter MULTIPLE MONEY TRANSFERS TO THE SAME PERSON BEFORE AND AFTER THESE 2 DELAYED TRANSACTIONS.

Please Madame/Sir from CFPB, help me. 

And I thank you in advance CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: MN

Complaint narrative:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In Late XXXX, XXXX I contacted Barclays to check on an ongoing research and recovery of my account information by Barclays to possibly reach a settlement on my XXXX Extra point reward card ( XXXX XXXX ). I spoke with XXXX in the collections department He told me congrats that settlement offer agreement went through and he gave me the details of the agreement such as 3 lump some payments of XXXX to be sent in starting on XXXX XXXX, XXXX XXXX and XX/XX/2021. XXXX told me also that my settlement letter will be mailed to me I asked for an email as well. I felt good since I had followed what the Federal Trade Commission recommended to settle directly with my creditors. So now I made the first of three payments on time and it is XXXX XXXX. And. Barclays still has not sent me my copy of the settlement offer agreement letter. I am told that the settlement is in place that it is a computer glinch and not to worry. But I am worried because all other creditor I settled with sent the letters and I want to make sure that I am protected against deceptive collections practices by the Federal Trade Commission. I just want the letter And the settlement that I am promised on their recorded phone lines. I want resolve between me and one of my good creditors. Thanks

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 2021-10-29 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: MN

Complaint narrative:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NJ

Complaint narrative:
An account named XXXX XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get equifaxs results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
So I went in to the cash check cashing place with a check I had from XXXX XXXX, I dont bank with XXXX XXXX anymore but I used to. I had a check for about {$140.00} something dollars I might be wrong on that but I dont even have a copy of the check they are referring to. The lady behind the counter called XXXX XXXX to verify after a 30 min wait she called me up gave me my money and I was on my way. About a week passes and the same lady calls me and she tells me that the check bounced and without explaining to me anything else or letting me speak she begins to tell me if I didnt take the money right there and then she was going to call the cops at that moment and have me arrested. I began to tell her I didnt appreciate the tone or the contents of her communication torwards me as I went into that business like anyone else payed my fee which makes no sense why they are asking me to pay twice now. ( {$160.00} ) I have that ladys whole rant in an audio recording and I can provide it I just need help to where I should send it. I was harrassed, and stressed by her actions. In part I feel like Im not responsible for the check bouncing being as how she called XXXX XXXX and was told it was good, I think she should go after XXXX XXXX for that money. I have tried to contact XXXX but I dont know exactly what they told her as I havent been able to reach through ... the other side of me thinks if I do have to take responsibility for it then that would make sense if again the lady that called me wouldnt have harassed me the way she did. Aside from everything she said to me which was completely illegal, now I have this letter from collections because of her! Nobody from her company has called me to figure this out with me and I was told someone would. I honestly want to counter sue because I did NOTHING wrong here besides go cash a check that was verified to be good. Their business practices are illegal Ive made myself completely available to help them collect the money from XXXX. I feel completely disrespected and I will stand my ground here like I said I have an audio recording. And Id like to counter sue for their actions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: Continental Finance Company, LLC
State: NJ

Complaint narrative:
An account named continental XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get XXXX results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for fraud!

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 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the west fraud claim - bank account number XXXX Claim # XXXX Unauthorized ACH debit in excess of {$620000.00} were debited by XXXX XXXX I discovered the fraudulent charges on past statement and filed police report. I was advised I need to dispute directly with the bank/merchant to recover the stolen funds. I went back and forth with XXXX trying to resolve these but I was told I'm not the account owner of tdameritrade account and I will have to dispute directly with bank of the west. 

XXXX I signed the written statement of unauthorized ach debit in branch, was advised I can only dispute charges within the last 60 days so I filled forms for total of {$620000.00} dating fraudulent charges from XXXX to XXXX XXXX I received a call from bank of the west ACH department, inquiring if I knew someone name XXXX XXXX XXXX I responded I do not know anyone by that name. 

XXXX received a letter informing the claim is being investigated. 

XXXX received another letter telling me my bank accounts are on investigation freeze XXXX temporary credit are taken from my bank accounts and my claim is denied. I called the ach department back and request to escalate to a supervisor. 


According to the person works in the claim department The reason for declining, is that I did not report the prior fraudulent transactions before the claim, which at the very beginning of claim process I was told I'm responsible for those losses and they can not dispute anything over 60 days. Furthermore, bank of the west accused me authorize these transactions, which I never did ( thus far, no one can provide a proof of authorization for these electronic debits ). 

I further attest I do not own nor benefits from XXXX products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed these three collection accounts with the credit bureaus and I have just sent my 6th letter last XX/XX/XXXX. I would like to know how the credit bureaus actually do their investigation? I can't seem to get the accounts corrected or updated. The reporting still appears to be erroneous. The date of last activity for the XXXX XXXX account for example. The date cant be reported on different months since there is only one creditor which is XXXX XXXX XXXX It shows that the date of last activity in XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. How is the date reporting inconsistently? The credit bureaus are unable to correct and validate this and I've been trying to resolve this and dispute this as well with the collector directly. The credit bureaus are still unable to verify and validate the reporting of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
I currently have two mortgage loans on my property and Im paying interest on both loans. We asked for help about six years ago from XXXX XXXX XXXX and instead of helping us at the end of the reduction in mortgage payment the gave us two loans that we have to pay monthly and interest in both loans. Myself and husband were under the impression that when reduction period was over we would just have years tacked back in our original mortgage, this is not so and I feel like the company is double dipping and we are suffering because of it. This must be illegal. Im on time with original loan but have fallen three months behind on 2nd loan because we are struggling to pay bills, food until utilities etc. 

Please help. 
Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX RI. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The debt collection agency TRANSWORLD SYSTEMS has repeatedly threatened me with legal action and even sent a letter to my boyfriends moms house stating they would repossess the property that I do not have. I am not married to my boyfriend nor do his parents personally know me. They gave my full name & even my account number and not only embarrassed my boyfriend but also myself because this collection wasnt anyone elses business but my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
My loan was purchased by Rushmore from XXXX XXXX in XX/XX/XXXX and in doing so they changed my mortgage from a standard mortgage to a daily simple interest loan without proper consent or disclosure. 2 ) With my previous mortgage holder, I made early payments, when I received my 1st mortgage statement XX/XX/XXXX from Rushmore, they stated that a payment was not due until XXXX and all the while charged me daily interest based on the revised/undisclosed structure of the mortgage. I am requesting my loan be changed back to a standard mortgage and I be reimbursed for the amount of interest that I was overcharged based on the change in the mortgage structure. 

I had so much trouble when trying to work this out with the company so I went to the XXXX XXXX XXXX because I knew what they were doing was wrong. If this happened to me, I am sure that it has happened to many people and they may not know what to do or how to get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Forgive me its been going on a long time my credit card was taken during a car theft I was injured and was unaware of the use of my card once it was discovered and after I was able to get my self back to health Boa was notified and I was told not to worry Everything went fine nothing was ever said and for almost two years no word from boa then I get a letter out of the blue saying they. Were not going to sue me but would report this for the next 7 years. I contacted boa and was never given any reason for the time laps. I also asked for copies with my signature on the purchase I was told they didnt have it. 
Ive tried to resolve this. Last month I filled out a couple surveys and pointed out that boa is wrong And because of that they have reported over and over this to the credit agency and my credit dropped XXXX points with in a few 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 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
The debt collector JEFFERSON CAPITAL SYSTEM has put a collection on my report from an identity theft that took place during XXXX. The report is filed with the police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 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: IL

Complaint narrative:
My name is XXXX XXXX. I am writing in regards to having these items deleted from my report. Also, I did not authorize these I am a victim of identity theft, I need your help in correcting my credit report, Please delete the items i have inquiry requests mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation