vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I placed an order at a merchant called XXXX in their internet website on XX/XX/2019. The company cancelled the order. However, a charge was issued to my credit card which they refuse to remove. My credit card company will do nothing about it.

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 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The company and or companies associated with XXXX XXXX XXXX and/or Midland Credit Management Company are attempting to garnish my wages for a defaulted judgment in the amount of XXXX that I have never received notification of. The company states the debt is with XXXX however, I have never had an XXXX phone or account nor did I sign any type of agreement stating that I did in fact owe this or even claim it was mine to begin with. In addition, I have requested the company provide evidence that this belongs to me and they have failed to do so. My employer received a summons and we both ( Company Representative and Myself ) must appear in court at the address listed on the court documents attached. Additionally, the records indicate that my previous employer had been served with the Writ of Garnishment however, this was never brought to my attention by my employer, nor have they delivered any such documents to my home of residence. The address contained in the court documents is not associated with me. Finally, this suit is Time-Barred pursuant to US CODE : TITLE 15 Chapter 41 Subsection II.

Additionally, on XX/XX/XXXX subsequent to learning about this garnishment, I contacted the company to later find that their name was MCMC or Midland Credit Management Company and asked for evidence of this matter. The woman, XXXX XXXX. XXXX provided login information of my account number and the last 4 of my social. When trying to use this information, the website says it is incorrect ; that said, I contend that said evidence does not exist and demand proof thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My loan was sold from XXXX XXXX company to NewRez about 1-2 months ago. I was set up for automatic payments with XXXX, which was set up automatically with NewRez. We closed on our property ( which is a new build condo ) last year in XX/XX/XXXX. XXXX XXXX   had all of my correct property tax information, and they had me set up with a mortgage payment of {$2200.00} which included principal with taxes & insurance escrowed. The total taxes on the home are {$1800.00} per year. I still don't know exactly how, but NewRez received property tax info that stated my homes property taxes were a little over {$36000.00} per year. After I had made 2 regular mortgage payments of {$2200.00}, they updated my online info to reflect the $ XXXX property tax bill ( without notifying me ), so my new mortgage payment came out to {$9000.00} to account for the $ XXXX required to pay the incorrect tax bill. I only noticed the new payment amount when I logged in to my NewRez online account on XX/XX/19. I noticed the new payment amount, and contacted NewRez right away. They gave me the information I needed, which was to contact the city and get the correct tax bill, which I did, and sent to them that same day on XX/XX/19. I logged in to my NewRez online account today, and see they have made a payment on my account for the {$9000.00}. I called them to see why they haven't adjusted it, and all she could tell me was that she saw I had submitted my property tax bill on XX/XX/19, and wasn't sure why it wasn't adjusted. That she would submit a new request today for a new escrow analysis, and that is all she can do for me. So now I am waiting for a response from NewRez, which she said I should receive in 24-48 hours. 

I'm submitting this complaint, because as a consumer, this isn't fair. My loan was sold without my consent, and the new mortgage company implemented a new payment that reflected a {$36000.00} tax bill when in fact it is only 1/20th that amount. I've been making all of my payments on time, didn't change anything on my end, and all of a sudden they're automatically taking a $ XXXX payment from me on a mortgage that should only be {$2200.00}. I'm also concerned for other consumers that may be getting increased escrow payments, even minimal increases, and go ahead and accept them not knowing it could be incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims P.O Box XXXX XXXX, XXXX   XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 

Sincerely, 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 2019-04-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} There are no contracts, no valid claims ... accounts were settled with original creditors, grave errorfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2019-04-10 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Few days back I contacted a lady and she looked up ALL my info and said all Equifax was closed and that MOST complaint # were ADDRESS related! I DID NOT do that.. MAIN complaint is that EQUIFAX and XXXX lady with THREE letters TOLD me that good news! EQUIFAX IS LEAVING MY ACCOUNT OPEN with XXXX XXXX and CREDIT SCORE WILL GO UP FEW DAYS!, Next day got email XXXX XXXX asking if I CLOSED XXXX XXXXXXXX card and I responded back I DID NOT! STILL XXXX XXXX CLOSED THROUGH EQUIFAX and I DID NOT due it. I have PROOF on recorded line Few days back with DETAIL info AS well as TALKING supervisor!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Zwicker and Associates have been constantly for the last 3 months trying to collect on an XXXX XXXX bill that we were wrongly shut out of our portal for. We had an XXXX   business account and because we did not provide them with certain documents, we were locked out of the online portal. They sent the debt to Zwicker and Associates who call us 4-5 times a day initially, early in the morning or in the evening. 

What we are so frustrated about is that they constantly threaten to sue us if we don't pay, but then when we set up a payment to pay in full, they pull the amount on the WRONG DAY. And then call and threaten us that the payment bounced. Well, you pulled it on the wrong day. They pass it from colleague to colleague which just causes confusion and the representatives we speak to are extremely aggressive and rude, saying how much trouble we're going to be in if we don't make the payment. 

I have been trying to set up a wire transfer for weeks now, with no response. Phone calls stopped, and emails too. We have been trying to pay the debt and negotiate an amount but now they are not responding, despite me emailing and asking to speak to the representative that originally set up TWO incorrect pulls from our checking account. 

The bank manager who works with us is an ex-employee of Zwicker and has informed me to make a complaint because he sees this happening alot. They make their own electronic checks and pull it when they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I obtained a loan modification in XXXX. In XXXX I got divorced. I was told by XXXX XXXX ( who carried my modification at the time ) that my loan was Assumeable. I worked for 6 months to get my debt paid off and my FICO score high as to assume the loan on my own. In XX/XX/XXXX I was ready to assume the loan. XXXX XXXX transferred my loan to Specialized Loan Servicing LLC in XX/XX/XXXX. When I called them in XX/XX/XXXX I was told that SLS does not have the capability to do loan assumptions. I spoke to a manager who told me that they can. I followed there steps of sending in a letter to begin the assumption process. After 30 days and now response I called again. Again was told SLS does not have an assumption process, again I asked for a manager. Manager told me that they do and that received my first letter. Gave me the next step of mailing in my divorce decree to show I received the house through my divorce. 30 days later no response from SLS. Many calls and no return calls later I finally recived a letter in the mail from SLS stating that my request was declined with a bogus reason. SLS must allow me to assume not refinance. Per the Ger St Germaine act which is in my Loan Modificaiton language I am allowed to assume the loan in case of divorce. SLS is giving me the run around and you can not reach anyone by phone. I need to get my ex husbands name removed from this loan. SLS needs to accomodate my request per the law. I would like to file a formal complaint against SLS and request that they contact me immidiately with means for me to begin the assumption process per my contratual language in my loan modification.

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 2019-04-10 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
In XX/XX/XXXX, I notified Nordstrom/TD Bank that I am a victim of identity theft and my personal information was used to open an a fraudulent account. I requested that the fraudulent account be closed immediately and remove any charges on the unauthorized account. I also asked them to send me a written confirmation that I am not responsible for the charges on this account and take appropriate steps to remove information about this account from my credit files. 

I sent Nordstrom Bank a copy of my FTC Identity Theft Report, personal statement, police report, Proof of identity and Notice to Furnishers of Information. 

I still have not received a response from the company so I sent a follow up letter on XX/XX/XXXX via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/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 2019-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I am being harassed daily by these people for a loan that is not mine but I somehow have the same name of someone they have a loan with. Nothing makes sense because my home phone # is not even in my name so I am unsure of how they even got it. My morgtage is current, my loan has not been sold. They are fraudulantly claiming that they have purchased my loan and I am behind and in danger of foreclosure. 

I am attaching the 5th attempt that I have now done in writing to get them to stop. At this point I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have made numerous attempts to speak to Hyundai Motor Finance and Ive been given conflicting information or hung up on by incompetent magerial staff and telephone reps. I have made over XXXX in payments and only XXXX has been applied to my principle. 

Hyundai is literally stealing money from me and not applying it accurately to my principal or interest. I guess the money magically disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This letter is regarding the so called second account which you claim I owe {$38.00} for The {$34.00} that I settled to pay to you all was for the so called second account that's {$38.00} that your company claimed I could pay and settle for {$34.00} on behalf of XXXX XXXX XXXX. This is the reason you all received my information in the first place on behalf of the original creditor which is XXXX XXXX XXXX! This is a formal notice that your claim is disputed. I am requesting validation, made  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you for this account. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I'm sick of going back and forth with you all this is ridiculous! First you claim I had no account, then you couldn't find it, then I paid it, now there is a second account ... ..I smell Fraud!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: FL

Complaint narrative:
I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. This negative account should be removed from my credit reports on or before XX/XX/XXXX. XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: ID Analytics, Inc.
State: GA

Complaint narrative:
In XX/XX/2019 I was denied credit due to an inquiry for my credit score from XXXX , XXXX. I have never heard of this company and when I call to get a copy of my credit report I have to leave a voice message. An online inquiry or a written inquiry to XXXX , XXXX, I have to provide copies of my driver 's license along with other documents, including my social security number. Is XXXX  , XXXX a legitimate credit bureau? Never heard of them and why can't I get a copy of my credit report from them. No call back and no one answers the phone.

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 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: CA

Complaint narrative:
This complaint is about : XXXX XXXX XXXX XXXX XXXX C/O DLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX -Whom I received a Predatory Loan of {$2500.00} in 2015, which has been paid 3 times over. However, they continue to Garnish my wages! This is the second round of my wages being Garnished after the loan was paid. I tried communicating and have gone to court with XXXX XXXX XXXX and they continue to Garnish  my wages. 

The problem is when I return to workforce my wages will continue to be Garnished and I am the sole provider for my family of XXXX. I can not provide for my family due to the Predatory Lending Practices. 

The complaint is truly about the violation of TELA and RESPA Laws that were violated at the time of receiving the loan. According to the Law : because the instalment payments totaled over four payments it falls under the TELA and RESPA guidelines. I was not told about this law nor was I told about the true cost of this loan. However, I am not an Attorney nor do I make the claim. 

But what I am is a person, a father, a dad who made a bad decision along time ago who's family has paid dearly for my mistake ever since. I feel I was taken advantage of because of my bad finical situation at the time of the loan.

Company response to consumer: Closed with explanation