vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Loan Servicer : NewRez ; XXXX. XXXX XXXX ; XXXX, OH XXXX Our mortgage loan was paid in full on or about XX/XX/2019. At the time of the payoff, there was a {$6000.00} surplus in the escrow account. We received the lien release/loan satisfaction papers. 

As of today 's date ( and after numerous calls to get the funds disbursed ), we have NOT received the funds that were in the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
I pulled my XXXX  credit report and found First Invst SVC had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

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 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmOne Corp.
State: AL

Complaint narrative:
Repeated frequent calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Account Managers, Inc.
State: ID

Complaint narrative:
My credit report is showing 3 accounts with XXXX that were paid on XX/XX/2019.  I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019.  I have not received my letters and they are still on my credit report showing the balances.  I paid XXXX, XXXX, and XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Innovative Funding Services, L.L.C.
State: NC

Complaint narrative:
I pulled my XXXX credit report and found Innovative Funding Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: PR

Complaint narrative:
Sent company certified letter with all identifying information including FTC ID theft affidavit and prior police report. 

Company has not resolved issue and has not blocked information pertaining ID Theft.

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 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance has continued to report my account late to the credit bureaus for the last year. Yet I have made my payments on time and have been up to date. They keep saying it is not them but it is the way they are reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I spoke to two different representatives at TransUnion XXXX XXXX XXXX in reference to a recent drop in my credit score of 35 points with a decrease in my debt of over {$3100.00}. Upon speaking with the two different representatives, they could not explain why my score dropped 35 points. I also have a excellent paying on-time record without negative impacts to my score. I immediately requested to be transferred to a supervisor. Upon speaking with a supervisor, she could not provide me with any information that would explain what had happen. The only thing that she said that made since was that they use a electronic scoring device that might need to be changed or could need some updating. She also told me that if I had a complaint, I could notify the CFPB ( this company ) and she had given me the number to the CFPB. With this drop in my credit score, ( that I have worked so hard to pay off my debt and kept paying my payments on time and sometimes paying over the monthly payment amount, paid off several accounts in full ) shows me that the more I pay the lower my score. That is absolutely not so! I would like a full investigation of this matter so that I will get an accurate credit report in the future.

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 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received two prepaid reward cards from American Express as rebates for items purchased from XXXX XXXX. The first was received in XXXX for the value of {$75.00} with an expiration date of XX/XX/XXXX. The second was received in XXXX for the value of {$80.00} with an expiration of XX/XX/XXXX. I have purposely held on to both cards, along with others, for a specific purchase. When I went to use the cards XXXX of XXXX at XXXX XXXX, the cards had XXXX value. I called the number on the cards, which was American Express, and was told that due to non-use a {$2.00} fee had been charged each month depleting the funds. They did state it was in the disclosure sent with the card and was also printed on the back. I will admit I did not read the back of the card as I thought this practice ended with the card act in XXXX. Regardless, this practice is wrong and somewhat deceiving as you have an expiration on the front of the card which suggests the value of the card is good until this time only to find they are already taking funds from the card for non-use. American Express stated there is no way to replenish the funds and it is my loss. Basically, you snooze, you lose. I feel this is a very unfair and deceptive practice. The card act talks about this practice and the unfair practice. I feel I should receive the {$150.00}. Card numbers XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I receive about 3 pieces of mail a week from XXXX XXXX and have sent about 100 back in the mail to them to stop sending me their unsolicited mailings and that I am not interested. I have called them about 20 times to take my information out of their system and I still receive them. I called again today XX/XX/19 and spoke with XXXX XXXX to take me off of their mailing list. It's harassing at this point that I am not interested, I am on a do not call registry and also the opt out on mailings and I still receive these mailings on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I pulled my XXXX credit report and found Americredit Financial Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
A credit card open Fraudulent in my name on XX/XX/2019 {$1500.00} from Comenity bank visa Card XXXX XXXX, never apply for this card someone used my information to open this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
This company is saying that I have a debt with them. I did not approve of anything related to this collection & would like to dispute it. It is saying that this was created in XX/XX/2016, all of this is incorrect and should not be apart of my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2019 someone fraudulently withdrew {$2000.00} out of my account. I went to the closest bank branch where the suspended my old account and gave me a new one. Chase gave my {$2000.00} back. 
XX/XX/2019 Chase claimed to have completed an investigation and claimed that there was no fraud and immediately withdrew {$2000.00} out of my account. 
I am now left with a -XXXX balance and incurring overdraft fees because chase claimed that there was no fraud when there was. 
Chase also had the audacity to blame it on me. 

Fraud did occur and chase is turning a blind eye.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Threatening to take my house and attempted intimation to get money

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 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have continuously disputed this debt for the past 2 years with XXXX, XXXX, XXXX. I have also contacted the companies at various times to inform them that this is not my debt. I did during that time have a young lady renting a room from me but I did not had XXXX XXXX and now I have had XXXX XXXX XXXX for several years. I also sent Diversifed Consultants a letter of Debt Validation requesting the original documents with my signature. I received the attached final notice, which does not show proof of contract. 

XXXX XXXX, dba, XXXX XXXX XXXX, dba, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP
State: TX

Complaint narrative:
The lender Key Bank is harassing me with phones calls on a number I never provided them as well as my XXXX father. They are calling from XXXX est time until XXXX cst. My fathers voicemail box is filled with calls from them within the first few hours Monday through Friday. Hes answered and asked them repeatedly to stop calling as well as faxed over a letter stating do not call his number and only communicate via mail regarding the student loan. They obtained my cell phone number from god knows where. They started the non stop calling back in XXXX where I spoke to a representative who advised me to fax over a letter stating not to call my number again and it would cease. They have again started calling my cell phone number over 10 times a day which have caused me to get in trouble at work and my hours have been reduced to less than part-time ( XXXX XXXX ) due to cell phone continually vibrating in my desk. Im allowed my phone for emergency purposes only for my daughter and they have made it impossible. Ive spoken to numerous of representatives and advised to stop calling my numbers even advised the do not call letters that were faxed over to them. They place me on hold each time for 30mins to come back and say well we are calling ... and I then cut them off and say did you find that document where you arent suppose to be calling, but sending it in writing. They then hang up only for the calls to continue by someone else, hours later. They are causing great stress to myself and my father and due to them harassing me has cut down my funds to pay my bills. We want the calls to stop and them to follow the consumer laws as well as the FDCPA. These harassing non-stop calls will lead to me seeking more than just a complaint if it causes me any more financial harm or stress. ( Ive received 3 calls while just typing this message from them ). I am able to provide any proof that needs, whether its the letters sent in ( XXXX, XXXX, XXXX ), call records, voicemails left, and documents sent from them which shows they received my do not call letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: AL

Complaint narrative:
Beginning in XXXX, I started receiving calls from a collection agency called LTD Financial Services about a debt I owed to XXXX. They indicated the amount but wouldn't specify what type of debt it was. I told them that wasn't my debt and I even called and visited the corporate office of XXXX to get proof that I had no debt on my bank records. I received a letter from them on XX/XX/XXXX but was postmarked XX/XX/XXXX. I have filed a dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I sent LVNV Funding LLC C/O Resurgent Capital Services a certified investigation letter on XX/XX/XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i LVNV Funding LLC had 30 days from the date they receive my dispute letter ( XX/XX/XXXX) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still havent received any validation of this date, nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX which was delivered XX/XX/XXXX stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stating after doing my own investigation and contacting XXXX myself that the opening date was XX/XX/XXXX and that the debt was sold for way less then what is being collected for on my credit report. Based on FCRA this account is to be deleted now for failure to provide accurate information to the credit bureaus and failure to provide validation of the debt in the legal time allowed per the FCRA. 

I then receive a letter from Resurgent Capital Service dated XX/XX/XXXX stating that they are managing the account for LVNV Funding LLC and has initiated a review of the inquiry. A few weeks later I receive another letter from Resurgent Capital Service dated as XX/XX/XXXX stating that the account has been review and attached is the documents, which was just a signed contract. 

I requested validation of the debt back in XX/XX/XXXX which is 3 months past the legal time they originally received my letter per the Federal Fair Credit Report Act 15 U.S.C. 1681 ( I ). The signed contract that was sent DOESNT show if any payments has been made, if there was any additional interest fees was added, any collections fees, etc. ONCE AGAIN MY RIGHTS HAS BEEN VIOLATED per both The FDCPA and The FCRA because the letter I received from your facility didnt give any true validation of the amount of debt being collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My IBR Income Re-certification was denied without any notice. I sent the paperwork I thought they needed including linking to the IRS. Because I didn't know that my re-certification had been denied I was bumped off the IBR payment plan. Not only did this cause my next automatic payment to increase over 100x, it also capitalized over {$60000.00} is interest onto my principal balance. Loan servicers should be required to me much more transparent and proactive when it comes to such a consequential event. I can't imagine any other venue in live where a charge of {$60000.00} would happen without significant notice in multiple forms. 

Side note : linking to the IRS should be easy and automatic, when I tried it it refused to link to the most recent year and linked to the previous year instead which created some of the confusion in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Signed up XX/XX/2019 for MoneyLion after seeing Pave the Wave bonus ( XXXX XXXX XXXX  ). 

Opted into promotion and set up direct deposit during XXXX. Received direct deposits XX/XX/2019 for {$3500.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}. This meets the offer 's qualifying Terms and Conditions " To be eligible to receive matching contributions, participants must be in good standing with MoneyLion and must maintain direct deposits of at least {$500.00} per deposit ( after tax withholding ) ( Minimum Deposit ) into their MoneyLion Checking Accounts at all times after opt-in and through the date of the matching contributions, as described below. '' Timing of Matching Contributions states they are to be awarded 90 days after initial deposit ( XX/XX/2019 ). Called customer service on XX/XX/2019 and again on XX/XX/2019. Latest call informed me that because there were intermediate deposits of small amounts ( {$0.00} and {$0.00} on XX/XX/2019, {$0.00} and {$0.00} on XX/XX/2019 ) I was disqualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I pulled my Equifax credit reports and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2017. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I pulled my TransUnion, XXXX and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.

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 2019-07-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I pulled my XXXX, Equifax and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation