vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I received notification on my credit report that a new account was opened in my name at American First Finance for {$3900.00} on XX/XX/2021. After reviewing, I noticed I was a victim of identity theft as several other unsuccessful attempts were made to open credit using my name and information. I immediately called American First Finance and spoke to an associate who advised me to fill out a fraud package on their website. I completed the package and submitted along with a police report on XX/XX/2021 to American First Finance. I was then notified a week later that the American First Finance account was now reported delinquent and now is negatively affecting my credit score. I'm in the process of buying a home and this has caused an issue with my lender therefore, I called American First Finance on XX/XX/2021 to see if I could get any additional information on the matter and the customer service representative ( XXXX in Kansas ) wasn't able to help me. When I asked for a supervisor, I was told she wouldn't speak with me ( XXXX  ) as I am not a customer and I just needed to wait. So I'm unable to speak with anyone and now my mortgage loan is on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/2021 I entered a consumer credit transaction with WELLS FARGO AUTO and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$1000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that WELLS FARGO AUTO claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. WELLS FARGO AUTO has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

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 2021-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: MI

Complaint narrative:
XXXX letter from key bank XXXX XXXX XXXX XXXX oh XXXX " Due to the circumstances of your Account we are not reporting the Account to the consumer credit reporting agencies '' The auto loan was reaffirmed XXXX. I have made all payments. They can not tell me what " circumstances '' means. They have not sent me a monthly billing statement in two years or made it available online.I would like both issues to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/2021 I entered a consumer credit transaction with CHRYSLER CAPITAL and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$3000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CHRYSLER CAPITAL claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CHRYSLER CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2020 I received an email for a Barclay - jetblue Plus credit card with an offer for XXXX bonus points by spending {$1000.00} and paying the annual fee both within ninety days. The offer was enticing and I immediately applied online. 
On XX/XX/XXXX I received a congratulations email welcoming my account. On XX/XX/XXXX the card was activated. I met their financial requirements and but did not receive the bonus points they offered despite more than meeting their requirements. 
I called Barclay in XXXX inquiring why the points were not applied. I was told they will look into it and on XX/XX/XXXX I received a letter from them stating only : " We're currently unable to assist you with your Rewards issue ''. No other reasons were included. 
The card is JetBlue Plus by Barclays last four digits XXXX telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CC Doc 1 Email offering Doc 2 Congratulation welcoming Doc 3 Card is active Doc 4 letter from Barclay

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 2021-07-10 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I REQUESTED ARC ( ABSOLUTE RESOLUTIONS CORPORATION ) TO VALIDATE THE DEBT OF ACCOUNT XXXX, IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX ACCOUNT ENDING IN XXXX. HOWEVER, ARC STILL HAS NOT SENT ME ANY DOCUMENTS VALIDATING THE DEBT. IT HAS BEEN MORE THAN 30 DAYS. I WOULD LIKE THE DEROGATORY MARKS OF COLLECTION FROM ARC DELETED FROM ALL MY CREDIT REPORTS FOR ALL CREDIT REPORTING AGENCIES INCLUDING XXXX, XXXX, AND XXXX. I ALSO WANT ARC TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, I AM RESPONDING TO YOUR CONTACT ABOUT COLLECTING A DEBT. YOU CONTACTED ME BY MAIL, ON XX/XX/2021 AND IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX  ACCOUNT ENDING IN XXXX. 

IF YOU HAVE GOOD REASON TO BELIEVE THAT I AM RESPONSIBLE FOR THIS DEBT, MAIL ME THE DOCUMENTS THAT MAKE YOU BELIEVE THAT. STOP ALL OTHER COMMUNICATION WITH ME AND WITH THIS ADDRESS, AND RECORD THAT I DISPUTE HAVING ANY OBLIGATION FOR THIS DEBT. IF YOU STOP YOUR COLLECTION OF THIS DEBT, AND FORWARD OR RETURN IT TO ANOTHER COMPANY, PLEASE INDICATE TO THEM THAT IT IS DISPUTED. IF YOU REPORT IT TO A CREDIT BUREAU ( OR HAVE ALREADY DONE SO ), ALSO REPORT THAT THE DEBT IS DISPUTED. 

THANK YOU FOR YOUR COOPERATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
vehicle turned in XX/XX/XXXX, excess mileage. invoice never came, GM FINALLY sends out there first collection notice in XX/XX/XXXX, and has been reporting me continuously late on my credit report, damaging my credit score. FINALLY get through to GM, and request a duplicate copy of the detailed involce, as the dollar amount they are attempting to collect FAR excess the excess mileage charge. I am told " we only provide 1 detailed statement, you CAN NOT HAVE ANOTHER ONE ''. Their process for lease end charges is ABUSIVE ; they do not provide final invoice at the dealership, they mail an invoice 1 time, ( which went to the wrong address ). 6 months go by until they make a collection call,. my credit is damaged as they have been reporting negative all along ; THEN THEY REFUSE TO PROVID REQUESTED DOCUMENTATION. And the dollar amount they are now aggressively collecting 6+ months later obviously includes other charges, hidden fees ect. Multiply this behavior x how many 10 's of thousand 's of leases they have outstanding and you have your answer as to why they operate in this fashion. Please investigate not only my situation, but the general behavior of GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I applied for a loan and was given an estimate on XX/XX/21. The origination charges were {$1200.00}. Processing fee XXXX and underwriting fee XXXX. 
My closing is in 10 days and on XX/XX/21 the company increased the origination charges by {$1000.00}. The loan officer XXXX XXXX told me on the phone XX/XX/21 that there would not be any points charged with the 3.375 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I moved in XXXX from XXXX XXXX to XXXX. I called the credit card company ( Amex ) and reported my address change several times and requested a statement be mailed to me. Every month I call and give them the address and now seven months later I still have not received statements. I have requested they send all past statements to me. Now I let them know that I will no longer make any payments until I receive a statement. What they are doing is illegal they can not expect payment and not tell me what Im paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted an international wire transfer to a school in XXXX to pay my son 's tuition. On XX/XX/XXXX, I asked for a recall of the wire transfer. Basically, my payment was no longer needed. Last week, on XX/XX/XXXX, Citi received the funds from the XXXX correspondent bank, but Citi has failed to redeposit these funds into my account for the past 2 weeks. I have not been given any explanation for this delay. 


The Case number is 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 2021-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in XXXX of 2021, this card was close by the company without any notification communicated to me, for potential fraud! I reached out to the company to resolve this matter and asked profusely for the account to be closed each time. I was assured the matter was resolved each time. In XXXX of 2021, I received a credit monitoring report showing, I was delinquent with this company! I called again, and begged the companys corp office to correct this issue! I promised again, the matter had been resolved! I received a faxed notice as well as a mailed document from this company stating this matter was resolved! However, again I was misinformed and this account had become further delinquent! They now have two opened credit cards in my name. I only had one card from this company. I reached out to this company today, only to find out both accounts where still opened with outstanding balances! I never received a new card from this company and havent use the service since XXXX, when I paid the account in full and asked for the account to be closed! They refused to close the accounts and are charging late fees and services fees, stating I must provide certain identifications in order to close the accounts! I was never notified of this information. I do not feel comfortable providing this company with any more of my personal information at this point, I feel like this company is practicing predatory lending practices and providing fraudulent information on consumers to the credit bureaus! This company is providing false information about me, which is defamation of character at this point. Im in need of help immediately to prevent this from tainting my credit history any further! The company is now hanging up on me each time I call or leaving me on extended holds and refused to assist me with this matter! I will also start seeking legal counsel to assist with this matter.

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 2021-07-10 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: MO

Complaint narrative:
Equifax has been using third party companies such as XXXX, XXXX, XXXX, XXXX and XXXX to verify information on my credit file. However, I sent several different letters as well as a procedural request letter asking them who they verified the bankruptcy with. I called on XX/XX/2021 and asked what the method of verification on the alleged bankruptcy you are reporting. The agent on the phone stated, that the bankruptcy was verified by XXXX XXXX. My response was, Appalled by that information. I went directly to XXXX XXXX and stated they can not verify this information themselves, therefore they have taken the liberty to DELETE this bankruptcy from their records. This would mean this bankruptcy is by law considered UNVERIFIED and needs to be deleted from my credit report immediately! 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Equifax removed the bankruptcy from my credit file, but didn't remove the XXXX XXXX  account that is still on my credit file. The XXXX XXXX should've been removed from my credit file as well, because it was never properly VERIFIED by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: PA

Complaint narrative:
Since last year, VA XXXX XXXX have been sending letters to my home, addressing them to my husband, a war XXXX vet. The problem is that he died 5 years ago. We, my son and I, have been contacting these companies. They do not indicate company names in their correspondence, so we have had to call and email them requesting cease and desist, because he ( we provide name ) is deceased. If we talk to them they agree to do so, but then, their letters keep coming. I am not sure if they are accessing my husband 's information. If they were looking at county information, my name would be there, as a vet and home owner and I have received no correspondence from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Hi Southwest Credit System ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation