vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: WI

Complaint narrative:
This afternoon around XXXX I was discussing a VA home mortgage loan with : Hello, My name is XXXX XXXX XXXX and I am your Account Executive.It is my pleasure assisting you with a potential Mortgage Loan solution! 
Thank you, XXXX XXXX Account Executive MLO NMLS # XXXX Company NMLS # XXXX   Tel : XXXX | Fax : XXXX ===================================================================== XXXX XXXX is a registered dba of NewDay Financial, LLC. 
XXXX CONFIDENTIALITY NOTICE : This e-mail message and any attachments are proprietary and confidential information intended only for the use of the recipient ( s ) named above. If you are not the intended recipient, you may not print, distribute, or copy this message or any attachments. If you have received this communication in error, please notify the sender by return e-mail and delete this message and any attachments from your computer. 
===================================================================== And while she was taking down my personal information the fact came up that in XX/XX/XXXX I had to do a Deed-in-lou with XXXX XXXX when they convinced me i had no choice in the matter. Another mistake. XXXX XXXX informed me that because the deed-in-lou was not outside of a 5 year period that NEW DAY could not service my loan or go forward. I said ok fine. I said forget it and DO NOT PULL MY CREDIT REPORT as i was also working with The XXXX XXXX and i had given them permission to pull my report and i did not want a lot of marks against my credit. It was then that XXXX XXXX said that she had already done so. I got mad and and told her I HAD NOT GIVEN HER PERMISSION TO DO SO and explained the damage that it could do to my already shaky credit. she said that because it was so close to the report that XXXX XXXX pulled, that it would do no harm. I said good by and hung up. 
XXXX sent me a e-mail about a check on my credit as follows : Hello XXXX, we identified a change in your credit report! XXXX XXXX  We will continue to monitor your credit as part of your membership, so rest easy knowing we're always looking out for your credit health. 
New Mortgage Inquiry reported by XXXX A hard inquiry is a request for new credit in your name. 
VIEW YOUR ALERT I am beyond angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have tried repeatedly to dispute a bankruptcy listed on my account that is not accurate. I was involved in the Equifax breach yet they insist on maintaining inaccurate information on my consumer report regarding addresses, inquiries and public records. When I inquired regarding where they are getting this inaccurate information from, they REFUSE to provide the information so that I can go to the mysterious company reporting on me according to Equifax. This company has been the source of detrimental breaches, inaccurate information and ineffective credit monitoring. I have contacted the court listed for assistance and they continue to explain to me that the information is NOT coming from them. Equifax has also been involved in litigation regarding this very issue and yet the unlawful practices continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FC HoldCo LLC
State: HI

Complaint narrative:
On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.

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 2018-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), Ally Financial ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX  look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.

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 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX  ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX ; I cancelled my phone service with XXXX. I paid XXXX a total of {$340.00} to catch up on my bill so I wouldn't owe them any money and for them to close my account. I was told by a representative on the phone that the account was closed and my bill was all paid up. The only money I would owe to XXXX is for the cancellation fees of {$200.00} per line. Which would be a total of {$400.00}. I received a bill from XXXX in XX/XX/XXXX and called them because I didn't understand why I was still getting a bill from them for lines that were supposed to have been cut. I disputed this with XXXX and they said it would be taken care of and that they were sorry for the confusion. A while later, I noticed that the charge was showing up on my credit report for an outrageous amount of {$820.00}. I called the collection agency that reported this to the credit bureaus and I put in a dispute with the credit bureaus. The credit bureaus did their investigation ; the amount was known to be incorrect and it was removed from all 3 credit reporting agencies. Now in XX/XX/XXXX ; I  check my credit report often and noticed that there is a new collection agency trying to collect the same inaccurate debt that the other one was. I called XXXX on XX/XX/XXXX and talked to them and inquired about why they keep sending the debt with the incorrect amount to the credit bureaus and the representative told me she understands that the debt is wrong and they will be sending it to her Resolution Supervisor. I am tired of dealing with this same situation over and over again with XXXX reporting wrong information and my credit taking a massive hit for it. I told the representative that I have documents showing the last payment made to them and she went on to tell me that they don't see that payment in their system ; so she doesn't know what happen. She also went on to tell me that I should owe only the cancellation fees for the lines which would total {$480.00}. I told her that the amount is inaccurate and by law they aren't supposed to send the wrong information to collection agencies if it's inaccurate. I had this same issue before with XXXX giving wrong information and it was deleted from my credit but now this same scenario has resurfaced. I am in the process of buying a home and this is messing with my credit unnecessarily.

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 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JAN (LendUSA) Holdings, Inc.
State: NJ

Complaint narrative:
We recently purchased an investment property in XXXX ( GA ) and got a conventional loan from LendUS , LLC ( through XXXX XXXX XXXX  ). We have two complains to the loan company : 1 ) the loan cost was too high, there were clearly duplicating charges, see below : A. origination charge $ 2332.66 % point of loan {$0.00} Doc review fee {$690.00} Origination fees {$780.00} Process fees {$350.00} Underwriting fees {$500.00} 2 ) the loan officer was behind schedule, did not leave us time to question and shop around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: U.S. BANCORP
State: PA

Complaint narrative:
We moved from XXXX XXXX, XXXX to XXXX, XXXX in XX/XX/XXXX. We paid our bill with the moving company with a U.S. Bank credit card. 6 months later, in XX/XX/XXXX, the moving company charged our U.S. Bank credit card without our knowledge or consent. I did not know they charged the card until I received my credit card statement in the mail. It was not until well after the transaction was disputed and I filed a complaint with the XXXX XXXX XXXX that I learned a billing error occurred in XXXX, and they thought they could just charge my card without my knowledge to make up the difference. 

I called the credit card company several times, disputing the charge. I did not authorize it or sign for it. They told me that because the moving company produced a bill, that they would not reverse the charge. 

I notified them that they are obligated under the law to ensure each transaction is authorized. I asked them, if this was not the case, then why do point of sale transactions ask consumers to sign for each purchase? I was told that because I gave them my credit card information in XX/XX/XXXX that they could use it whenever they wanted as long as they could prove I owed that company money - whether or not I authorized the transaction. 

I was told by my credit card company on the morning of XX/XX/XXXX at roughly XXXX XXXX EST, by a man named XXXX in their dispute department, that they do not require proof of my authorization of charges. XXXX told me that it was only necessary for them to see a bill from the charging company, despite my authorization of use of my card not being anywhere on that bill. 

My credit card company allowed an unauthorized transaction to run on my card, and told me that my dispute was invalid even though I never authorized the transaction, and I was never even notified the charge was being made - or that I owed any money at all.

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 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I recently received a fraud alert on my credit report for 3 collections placed by XXXX XXXX for the following amounts : {$95.00}, {$130.00} and {$830.00}. I was a part of the XXXX  breach and previously had issues with identify theft. I sent out a letter to the company for debt validation on XX/XX/XXXX but did not receive a response back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation