vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I notice I had an hard inquiry on my credit report on XX/XX/2019 for a credit card from syncb/amazon. I did not request a credit card. 
This is all the information I have about the company Syncb/amazon XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Please be advised this is my FIRST WRITTEN REQUEST. The unverified item listed on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have reached out to XXXX several times in attempt to have this fraudulent inquiry removed I was told that I need to call and contact the original creditor that placed this inquiry on my report. I have made several attempts to get chase bank to contact the bureau and remove this inquiry that was not authorized by me. They seem to not be able to get me to the right person to take care of this issue no matter how many attempts I have made nobody seems to understand what I'm talkin about. I want chase bank to have this fraudulent inquiry removed from my credit report before I take legal action. I I have never requested any kind of credit with chase bank or hold any account with them. I have an iquiry from XX/XX/2019. I want this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
In XX/XX/2019, I spoke to XXXX XXXX XXXX with regard to lowering my mortgage payment and escrowing my real estate taxes. I sent them a letter of request asking them to advise me after a payment of {$180000.00} what my new monthly payment would be for the remainder of the original loan terms. 
I received a response that after receipt of the lump sum payment my mortgage payment would be around {$340.00} a month but since I have always paid my real estate taxes separately they would not be able to calculate a monthly payment with taxes included. I called XXXX to advise that I would be sending {$170000.00} on XX/XX/XXXX and the agent advised me that the loan would recast and XX/XX/XXXX statement would reflect the new lower payment amount due. 
On XX/XX/2019 I scheduled my XX/XX/XXXX mortgage payment with a lump sum payment of {$170000.00}. After a week I noticed that the check had not been cashed. I called XXXX to investigate and was advised that the new servicer would be PHH Mortgage Services, XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. The following day I received a letter in the mail with the new servicers information. 
On XX/XX/2019, I called PHH to see what the XX/XX/XXXX payment would be they advised me the new payment would remain the same and that in order to recast with them I would need to apply, pay a {$300.00} application but there was no guarantee it would be approved, however, if denied I would receive the {$300.00} application fee back. 
As a consumer I feel that I am being robbed of an exorbitant amount of money and requesting assistance in this matter. This was done to lower expenses since my income has changed because my spouse is currently battling XXXX. Now in addition to the fear of that loss I fear losing my home as well. If they were not going to honor the XXXX agreement they should not have cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I recently opened an Opportunity Checking account with Wells Fargo on XX/XX/XXXX. In all my paper work with Wells Fargo, I never received my account number or routing number. I had to log on to my online banking to find my account number. I was not able to find the routing number. So I went to their website for information on how to find my routing number. They have an entire page dedicated specifically to help customers find their routing number. I followed the prompts accordingly on the website ( which I have attached to this complaint ) and was given an incorrect routing number. I set up my payroll direct deposit to go into this account with the routing number that was given to by Wells Fargo. When I realized that my funds were not in my account, I contacted Wells Fargo on XX/XX/XXXX and they repeatedly told me to contact my employer. I then contacted my employer which is also a bank and they were able to see that there were no issues on their end in sending the ACH or direct deposit. I then called Wells Fargo back and spoke to XXXX who was very rude and she told me I used the incorrect routing number, even though the routing number that I used was an active routing number used by Wells Fargo. I asked if there was any way that those funds could be re-routed to my account since I am in need of those funds as soon as possible. She was very rude and I feel as though she did not understand my question or concern. I then asked to speak with her supervisor XXXX. He was also very rude but he gave me the impression that the funds could be re-routed but stated " he was not going to waste his time in researching that ''. Being that I work at a bank, I know that may be an option for other banks to do that. However because he did not want to research it and find out if that was even possible, I now have to wait up to a week or longer to have access to my funds. I believe that I was very mislead with how to know what my routing number is and at that expense I have to wait longer than reasonable in order to receive my funds. I have bills and responsibilities just like everyone else but I believe that Wells Fargo played a major role in why I did not receive my funds in time.

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 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I reported fraud on my account. The bank has not followed regulation E guidelines and credit the funds back to my account. I want the fraud charges credit back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The missed payments sill showing on my account and these payments were in 2016. They are too old and still hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, 2019, Chase offered the following special on my Chase Freedom card. 

" Earn 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards using your Chase Freedom/Freedom Unlimited card during XXXX. '' The fine print on the offer included the following : " Earn a total of 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards. Offer valid on purchases made XX/XX/XXXX XX/XX/2019. Bonus cash back will post to your account within a week of the transaction posting, and will appear on your monthly credit card billing statement and be available for use within 1-2 billing cycles. To qualify for this promotional offer, account must be open and not in default at the time of fulfillment. This promotional offer is non-transferable. '' On XX/XX/2019, I made a hotel purchase using my Chase Freedom card through Chase Ultimate Rewards for a total of {$410.00}, fulfilling the terms laid out both in the main text of the promotion, and the fine print. This transaction should have awarded me XXXX bonus points. However, the bonus points did not post to my account within the stated timeframe. I contacted Chase Customer Service on XX/XX/2019 and received the following reply : " We researched the promotion you have requested. We found that the reservation was booked on your card ending in XXXX, a Chase Sapphire Reserve credit card. In order to receive the promotion, the reservation and transaction must have been made through a Freedom credit card, as this is a Freedom promotion. We regret to inform you that the account is not eligible for the promotion. " I appealed this denial because they were incorrect, and the reservation was purchased on my Chase Freedom card, which was targeted for the promotion, as required in the terms of the offer. 

I received the following reply from Chase Customer Service on XX/XX/2019 : " I definitely understand your reason for concern. I confirmed the purchase was made on your Freedom account ending in XXXX. However, the reservation was made on your Sapphire Reserve account ending in XXXX. As we previously advised the reservation and purchase must have been made through a Freedom credit card to receive the bonus points. I apologize for the inconvenience but we would not be able to add the bonus points to your account. '' In Chase 's reply, they are introducing new and misleading rules that are not stated within the original offer in order to deny my appeal. While they confirm that the purchase was made on my Freedom card, fulfilling the original terms of the offer, they are still refusing to honor the promotion and credit my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2019, XXXX XXXX illegally accessed my credit report. Mr. XXXX is a Senior Loan Officer at XXXX XXXX XXXX. His NMLS number is XXXX. On XX/XX/2019 I was notified by XXXX   XXXX that a hard inquiry from XXXX XXXX , XXXX was listed on my credit reports with Equifax and XXXX. XXXX XXXX, XXXX is a third party reseller employed by XXXX XXXX XXXX. I immediately contacted Equifax, XXXX and XXXX XXXX to inform them that the inquiry was illegal and that I did not authorize any hard inquiry. I received a response from all three companies XXXX   removed the inquiry, Equifax requested that I contact XXXX XXXX XXXX, and XXXX XXXX informed me that XXXX XXXX initiated the inquiry but provided no proof or documentation. XXXX XXXX   falsely claimed in a letter to XXXX XXXX that they obtained my authorization via phone, which they did not. XXXX XXXX also provided no proof or documentation. More than 30 days have passed since my dispute, and XXXX XXXX, XXXX XXXX and Equifax have yet to provide verification or to remove this illegal inquiry, per federal law and as required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Financial Group, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a Bankruptcy discharge. Included in that Bankruptcy discharge was an auto loan, financed by Pinnacle Finance Company. I must add to this that I purchased the vehicle for {$14000.00} in XXXX with a {$5000.00} down payment, yet no matter how much I paid over two years my balance continued to rise. The larger issue is that upon receiving my Bankruptcy discharge, I DID NOT REAFFIRM the auto loan with Pinnacle Finance. Further, I never directly agreed to any terms and conditions with Pinnacle Finance as it relates to their internal policies or terms and conditions ; as this loan was transferred to them after I purchased my vehicle. 

Pinnacle Finance has not only acted unlawfully by ignoring my bankruptcy discharge and pursuing me for money I do not owe on the vehicle. They continue various forms of collection tactics, first and foremost by stating erroneous information regarding the status of the account on my credit bureau report. They insist I owe them monies when I DO NOT. The loan was discharged. Further, they are stating that the vehicle was repossessed and that is NOT FACTUAL. Last summer I contacted Pinnacle Finance and agreed to surrender the vehicle and asked them to please come and pick it up. Pinnacle neglected to pick up the vehicle until late XX/XX/XXXX. 

Pinnacle finance is reporting erroneous information to the credit bureau agencies and I have made multiple contacts with them to stop. They refuse. I do not owe them any money and the car was NOT repossessed it was surrendered after being discharged from Bankruptcy. 

They are breaking the law ; and they are not adhering to proper and lawful collection tactics. Their contact information is below : Address : XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX To contact me you may do so at : XXXX My home address is XXXX XXXX XXXX XXXX, MD XXXX My Phone number is XXXX FOR YOUR RECORDS I HAVE ATTACHED THE FOLLOWING : 1 - Bankruptcy Discharge 2 - Bankruptcy Final Decree 3 - CERTIFICATE OF NOTICE TO PINNACLE 4 - Schedule D showing secured property to include Pinnacle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Call Experian on XX/XX/19 to find out why my credit score had dropped twice in the last two months. After speaking to an Experian representative to get a screen shot for this report I find that that screen is no longer available. It appears to me they use this tactic to frighten the user into going into their account to get them to either update their account to a paid subscription or entice them into applying for one of their credit card. I find this very underhanded.

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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
Good Morning, I am writing in regards to my loan payments. I have been making payments since I graduated from college. On the review of my last payment, I realized there was an amount on there from the federal government indicating I owed money. 

In XXXX, I was unable to pay any money from my student loans, resulting in the defaulting and garnishment of my wages. I was fortunate enough to have the garnishment paid in full in XX/XX/XXXX and the garnishment was ended. 

In the current loans I am paying, there is an amount indicating I owe that is the same amount I had garnished from my wages. I have contacted FedLoan.Org on these occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During each call, I was passed around and had no resolution or research done to confirm my loan dispute. 

I have continued to pay my loans, even though I feel I do not owe part of the amount I continue to pay. 

In doing additional research, I contacted XXXX on XX/XX/XXXX and they redirected me to XXXX XXXX XXXX XXXX, as they state the loans that I paid off in XXXX were originally serviced by them. They provided me with a number ( XXXX ). This number they provided is no longer in service and there is not a contact to this servicing group who could assist me. 

I believe the review of this matter is important because I am a consistent payer on my accounts. I am of the belief part of my student loans have been duplicated, causing me to pay a loan that I have already paid off 3 years ago. Please provide any assistance where you can to help remedy this situation and adjust the amount that I am paying monthly. 

Thank you.

Company response to consumer: Closed with explanation