vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i found a great deal from a reputable sneaker company in settle called XXXX XXXX from a website called XXXX. i pursed a pallet of 40 sneakers and paid expedited shipping for it and never received almost after the expedited shipping date that was XXXX XXXX past i tried sending them a email and the email was sent back because it didnt work. i tried the phone number and the phone number was for the IRS. i XXXX search the address and was a hotel/XXXX center. after that i contacted my card and told them to file a dispute because it seems it was a fraud. after two weeks i received a box from a overseas company with a cigar box and a thank you note. i send it back with XXXX since i didn't order it and didnt know whats going on. 
Wells Fargo contact me saying that my claim was denied since i authorized and they send me a tracking i was so confused. and right away went to the police and ask them to provide me with the contact information from that company and to prove that they send me a pallet of 40 shows! worst bank ever doesn't protect there customer from anything i went to the police and open a police report and provided the number right away with wellsfargo and they told me they didnt care about the police report. that i can contact who ever i wanted but wellsfargo is not loosing the money because i authorized the transaction. the transaction in my credit card showed it was from explore XXXX so i contact them and tank to XXXX / XXXX and they told me that they didnt have any records or me and that i was scammed. to contact the bank i send them the police report and they told me to contact the bank. the police told me to open a Cfpb

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 2020-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). 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 and subsequent reinvestigation, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/20 I submitted a {$500.00} payment using the Venmo app which is tied to my checking account. I accidentally sent the payment to the wrong person and contacted Venmo to reverse the payment. I had to have the person that I sent to in error call in to verify that the payment was made in error and that the transaction needed to be reversed. Despite the other party verifying their identity and confirming that the payment should be reversed, Venmo still will not return the funds to my account. I tried filing a reversal with XXXX XXXX XXXX XXXX where I opened the checking account ) at a branch location but they might not have the authority to reverse the payment either. 

Venmo is not cooperating at all despite me following the procedures that they outlined to receive the money back and my bank can't help much either, so at this point I don't know what else I can do or who to turn to. My bank advised me to submit the information to you for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: ME

Complaint narrative:
In XX/XX/XXXX I moved from XXXX to XXXX. Within one month of the move, I registered my car ( XXXX XXXX ) in XXXX  and paid the XXXX  state excise tax for my XXXX XXXX. In XX/XX/XXXX I received a property tax bill from Kia Motor Finance ( KMF ) for {$240.00} which they had paid to the state of XXXX. I faxed a letter to KMF Property Tax Dept. proving that I had moved and registered the car in XXXX. I have a receipt proving that the fax went through to the correct number. 

In XX/XX/XXXX, I received the same notice that I still owed ( this time {$220.00} ) to KMF for the property tax levied in XXXX. This time I mailed all the documents to the KMF Tax Department in XXXX XXXX, CA, proving that I did not owe this amount. I sent the package registered mail via USPS. I have a tracking receipt showing that the package was delivered to the correct PO Box . I have never heard anything from KMF and the tax charge remains on my monthly statement. I refuse to pay it but I do not want this to damage my credit rating, which is excellent. 

In XX/XX/XXXX I receive a notice from KMF that I still owe {$220.00} in property tax. I call customer service and am told that there is no record attached to my account to prove that they ever received the documents and abatement requests I sent twice. They tell me to send the request again and give me the same fax numbers and the same PO Box address I have already used without success. I ask for a number to call their Tax Department and discuss this issue. I am told that the Tax Department is not reachable by phone only by fax or mail. 

I am filing this complaint because I feel as if there is no way to get KMF to respond to my requests for abatement. They will not even acknowledge that they have received my requests. Please help me to sort this out!

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 2020-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I was not given adequate information from the company regarding a late payment and I feel that I was purposely deceived and alluded regarding the situation. I called the university and the company and did not receive information regarding the continued accruing interest and how to rectify this until yesterday when I demanded an investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: OH

Complaint narrative:
I have several hard inquiries on my report that should not be on there. I previously sent information regarding Identity theft and these inquiries are a part of that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I have received a letter from Discover bank to collect a debt ; however ; I totally do not know about this Discover account. I filed to Identity Theft and Police report to protect myself from this. Now, I submit to this complaint to get further assistance from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX is showing as a late payment on my account and it is incorrect. I spoke with a representative at XXXX XXXX who informed me the payment was not late so this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LCS FINANCIAL SERVICES CORPORATION
State: OR

Complaint narrative:
During the months of XXXX XXXX. We received a letter from LCS Financial sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced LCS Financial was collecting the debt for XXXX XXXXe company who was listed as the servicer for the loan. 
Since LCS couldn't provide any documentation that actually provided that XXXX XXXX was the actual servicer of the second mortgage loan, I ask for additional information from LCS. 

On XX/XX/XXXX I received an email from LCS and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from LCS. 
I kept requesting and no information was provided by LCS. 

On XX/XX/XXXX, I received a demand letter from LCS and they continued to reference XXXX XXXX as the client they are collecting the debt. see attached letter. 

So on XX/XX/XXXX, I send a QWR to XXXX XXXX which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by XXXX XXXX.USPS certified letter was delivered. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX asking me and LCS Financial, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. 
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. 

This last request was very upsetting since if in fact, XXXX XXXX   was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I had fallen behind in payments. To help me out XXXX XXXX sent me an Exclusive Offer where it agreed in exchange for a {$10.00} payment to readjust my payments to {$57.00}. Since then, the company has contacted me to collect at least {$150.00} over that amount, In XX/XX/XXXX, I spoke with a representative who tried to collect nearly {$250.00}. I asked why the amount was so high and the representative let me know that it was trying to collect {$150.00} plus additional fees ). I asked about the Exclusive Offer and the representative let me know that the  company received it. for a Supervisor to call me back to make sure that my payments were adjusted and to explain to me why fees were added on after our agreement? To this day, I have not received a call back from a Supervisor. 

Yesterday, I received an email from XXXX XXXX about some other offer to reduce the total amount owed. Today, I spoke with an XXXX XXXX representative named XXXX who told me that I had to pay well over the amount of {$57.00} and that my account is in collections. I let XXXX know that we had an agreement that XXXX XXXX never followed through with and it illegally has sent my account to collections. I let XXXX know that I would be contacting the CFPB to file a complaint. 

This company, in XX/XX/XXXX, received my payment to readjust my payments and it never followed the agreement it led me to believe we had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's XXXX yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.

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 2020-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Every time I spoke to someone, the seemed to be reading from a script, didnt speak very clear English and I would always request for a lower payment. They never wanted to help except to for forbearance. I offered to to set up payments at {$200.00} a month. Something I can afford and they would not accept that. They never listened to anything in regards to my hardship or illness or my effort to to pay at least a portion. 

I was asked to fill out documents for several programs but nothing ever came of it. Not for educators, income based, nothing. 
So what was $ 40K in loans has grown interests into $ 100k. 
I was a teacher for most of my adult life, income was low but not enough to be considered Low-income. Over the years, kids, illness, divorce and no alimony or child support. But none of that is considered. Now I am 20 days from defaulting and am being told they will garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.

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 2020-02-21 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX is showing as a late payment on my account and it is incorrect. I spoke with a representative at XXXX XXXX who informed me the payment was not late so this is 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 explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STEWARD FINANCIAL SERVICES LLC
State: DE

Complaint narrative:
I had an auto loan with Steward Financial back in 2015. Unfortunately I lost my income shortly after purchasing the car and it was repossessed in XX/XX/2015. I did not know my rights back then. When the car was repossessed, I was never provided with any of the legally required documentation regarding the repossession. I was never provided with the option to pay the past due amounts and get the vehicle back. I was never provided any notice of intent to sell the vehicle. I was never provided any documentation showing that the vehicle had been sold, or what the remaining balance on the loan was. Upon reviewing my credit report, it appears that Steward Financial resold the vehicle, which was a 2 year old ( at the time ) XXXX XXXX with all luxury options for less than {$10000.00} which seems far fetched because I had purchased it 1 year prior for over {$23000.00}. I have disputed this information with the credit bureaus, and Steward Financial has certified to the bureaus that the information is correct. However, I mailed a letter to Steward Financial on XX/XX/XXXX asking them to provide copies of the legally required disclosures and I have not received any response whatsoever. Furthermore, when I called the customer service phone number to ask for the information over the phone, I was told that the debt was past the statute of limitations to collect so they would not be communicating with me regarding this debt. That is in violation of the Fair Credit Reporting act, since they are reporting a past due balance on my credit report and have refused to provide me with any notification of the debt!

Company response to consumer: Untimely response
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I had an issue with my mortgage payments and was in the process with the lender XXXX in a loss mitigation plan and without any resolution they sold my loan to another lender Shellpoint with no details. I started the loss mitigation again with the new lender Shellpoint. My original monthly payment was @ XXXX/month and the trial plan payment was raised to @ XXXX/month. I made the payments with a loan. Then I had to wait for over 100 days for them to complete the loan mitigation and the new loan payment is now @ XXXX/month. I know that the documents were clearly not correct when they sent my paperwork to XXXX. I have researched and it seems there were a lot a illegal procedures done with my loan. Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.

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 2020-02-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.

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