vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Debt collector had over 30 days since XX/XX/2019 to produce a ( wet ink ) contract since disputed through all three credit bureaus and has been in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practicing Act. Debt collector is sueing me in state court. No valid ( wet ink ) contract which is required by law. Is damaging my credit by falsy reporting debt to credit agencies such XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Effective XX/XX/2019 DiTech Financial transferred the loan servicing to XXXX XXXX   XXXX XXXX XXXX. As of the XX/XX/2019 DiTech Statement Date the escrow balance read XXXX. My check no. XXXX added XXXX to the escrow balance. The XX/XX/2019 escrow balance should have read XXXX. As of XX/XX/2019 XXXX XXXX shows escrow balance of XXXX. No statements have been received from either DiTech or XXXX to show the transactions causing the difference in escrow balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Credit Card offered a loan transfer for high interest credit cards. 

I accepted it. I no longer use the card except to repay the loan transfer. 

Citibank charges me more than 50 % interest on payments. For example : the bill this month was {$170.00}. {$100.00} was for interest. {$68.00} went towards payment of the debt. The principal is NOT decreasing. 

I called to ask for lower interest. But received nothing. 

Citibank is charging me a usury rate of interest. I may refuse to pay them anymore until they lower the interest.

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 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Effective XX/XX/2019 XXXX XXXX transferred the loan servicing to ShellPoint Mortgage Servicing dba NewRez. As of the XX/XX/2019 XXXX Statement Date the escrow balance read XXXX. My check no. XXXX added XXXX to the escrow balance. The XX/XX/2019 escrow balance should have read XXXX. As of XX/XX/2019 Shell Point-NewRez shows escrow balance of XXXX. No statements have been received from either XXXX or NewRez to show the transactions causing the difference in escrow balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Debt collector had not validated the debt by law by a ( wet ink ) contract and had since XX/XX/2019 to produce one when disputed through al three credit bureaus. The debt collector is in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practices Act by not submitting the porepr documentation that is the original signed ( wet ink ) contract in 30 days.The debt collector is sueing and there attorney failed to produce a valid contract and stated in pretrial that the company did not have one. The company is damaging my credit by reporting the invalid debt to all three credit agenices.

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 2019-12-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.

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 2019-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: UT

Complaint narrative:
Wilshire Consumer Credit is the worst company that I have ever had to deal with. I had a loan with them, and was paying {$14.00} extra per month just to pay off the loan faster. In XXXX I ran into some health issues and was {$16.00} short on my payment. WCC started calling me XXXX times a day, including Sunday. I spoke with them and informed them of the situation and that I would be paying off the loan. I got the information on the pay off and a check was sent out XX/XX/XXXX. They received and cashed the check on XX/XX/XXXX then on XX/XX/XXXX they repossessed my vehicle. Every customer service rep I spoke with was extremely rude and several hung up on me. They refused to give me any information on where my car was even just so that I could get my work badge and kids Christmas presents. Even though they repoed the car illegality, they refused to return my vehicle or my money. After fighting with them for days, missing work and my son missing school, I was left with no other option than to pay the repo. I sent them the payment of {$430.00} in the form they required and after they confirmed that they have received it, they said they didnt have any info in my vehicle and to call back Monday. I work weekends and this is the last weekend before XXXX!!!! They are crooks and have no sense of company/consumer relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I ordered something from XXXX that came defective, contacted XXXX about it. XXXX sent a replacement. 

Replacement device became defective as well so contacted XXXX about issuing a refund, XXXX sent XXXX to pick up both items ( all under one tracking number & one box ) XXXX received the items & have yet to issue my refund. 

Contacted capital one started dispute & got a notification saying my account will be credited the funds while they investigate.

& That the funds will be in my account in 1 - 2 business days.

Turns out capital one put a hold on the credits I was supposed to get for 40 - 90 days until the merchant responds.

I shouldn't have to wait 40 - 90 to use credits I should already have for items returned.

I've contacted capital several times about it to no avail.

I've provided them return email & refund amount & tracking #.

They still haven't released the hold on my {$320.00} credit.

& That is my complaint.

This is for capital one secured card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
{$710.00} opened XXXX/XXXX/2019. supposedly owed to original creditor XXXX XXXX XXXX. Now debt is sold to Contract Callers INC. I have contacted XXXX  on XX/XX/2019 to validate debt that I have no knowledge of, which I still have not received valid proof of anything with my signature of proof that this debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: IA

Complaint narrative:
ON XX/XX/2019 I DISCOVER UNAUTHORIZED INQURIES ON MY REPORT.SOMEONE TRIED TO OPEN UP ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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 — Investigation took more than 30 days
Company: ONEMAIN FINANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019 I sent a letter to Onemain financial to validate a charge off on my credit report. Tracking showed they have received my letter on XX/XX/2019 but have not responded to my request and 30 days have passed without marking my account as disputed. This shows how they are acting in bad faith. 

Therefore they have violated FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). 

Also by not providing copy of any viable evidence bearing my signature they are in violation of defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.

Complaint narrative:
I contacted XXXX about fraudulent charges that were made on my account and the customer service representative told me that they wouldnt be able to issue anew card or remove my fraudulent charges since the account was closed due to non-payment. I was unaware of this these charging that were made.. To my knowledge I didnt owe a payment because the account wasnt being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My mortgage was transferred from Ocwen, a very poor and customer unfriendly loan servicing organization, to PHH Mortgage Services in XX/XX/2019. I had been paying Ocwen via bank withdrawals from my account on the XXXX of each month. I received a notice, I think in XX/XX/XXXX, that our Ocwen account was being transferred to PHH and told that things would remain the same as with Ocwen. But in fact, the money that I had in my account for regular payment was not withdrawn, but just left there. So I mailed a check, for the first two months, the checks weren't cashed. When I called PHH they said that they would make withdrawals according to the Ocwen schedule, on XX/XX/XXXX. But they made the first one, maybe two, on XX/XX/XXXX. The funds were not there so they resulted in significant bank charges and of course PHH reported it as a late payment and assessed fees. I think it is straightened out now but with PHH one can never be sure. Like Ocwen, they live to assess fees and charges and do not communicate clearly. I have asked for a copy of my recent years ' payments and was told that they could provide nothing from Ocwen. It's as if Ocwen never existed. They will not provide online access to the Ocwen history, something that was always available when Ocwen was the servicer of record. What they have sent me is something that seems to be a record of my very recent history, printed in text so small that I can barely read it with double glasses. I need to purchase a magnifying glass to read these records which I waited two weeks for. In the meantime I have to deal with damage to my credit from their fallacious representation of our payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I am trying to figure out why I continue being charged PMI insurance. My home was apprised almost a year ago by Quicken and I have clearly paid off more than what is needed to drop the PMI insurance. when it inquired they just tell me it will drop off automatically when it should. My loan with them should be paid off within the next 3 business days but I would like an explanation and refund for all the PMI insurance I have clearly been over charged on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: IL

Complaint narrative:
By law no creditor can report a consumer late until 30 days AFTER the due date of an account. My credit card payment due was originally {$39.00} by XX/XX/XXXX plus a {$39.00} late fee which equal {$78.00}. All other payment history was paid on time since having the card.

XXXX VISA is the creditor who just posted on my credit reports XXXX XXXX, XXXX  and Experian a 30 day late a few days after the due XX/XX/XXXX when by credit reporting law they are not suppose to post a late payment until 30 days AFTER the due date.

I am XXXX and ready to sue if it's not resloved in the next 30 days. My right is I can pay my bill after the due date ( XX/XX/XXXX as long as it is paid before XX/XX/XXXX by law for example. My credit was perfect before XXXX Visa posted a 30 day late on XX/XX/XXXX only 7 days after the due date. ILLEGAL AND I AM 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