vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have a unverified account from MIDLAND FUNDING LLC. I have previously disputed this account several times as they have been illegally harassing me for many years at this point. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to immediately remove/delete this account from my credit report with ALL three credit bureaus and stop ALL contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST. This has been going on for far too long and has caused a multitude of stress for me and my family over the years. It needs to stop now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Have faxed more than 10 times see proof, tried to get mail from bayview, never get mail! WHY? sent complaint already for that have power of attorney! No one calls no one send mail of proof received of modification how do i know if i dont call weekly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: NY

Complaint narrative:
Investigation did not fix error on my Transunion credit report.

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 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an Amazon.com store card. Amazon, for no reason charged my account for multiple items I had previously returned which they had credited. I purchased an item for a set price on the website and was charged a greater amount than advertised. I purchased a shower door on Amazon and hired Amazon Home to intall it and it was not installed properly. I paid for Amazon Prime for a year in advance and Amazon refuses to accept a valid return or allow me use of my prime membership. My account was always current, close to being paid off before this problem. I have talked to Amazon customer service representatives and representatives from Synchrony Bank/Amazon for asssistance resolving this problem, without success.

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 2019-06-24 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XXXX XX/XX/2019 {$26.00} XXXX cash rewards, Recurring charges since XXXX. I have called in over 15+ times. I have asked for someone who speaks English. I have asked for a supervisor every time. I am told customer service does this job. I call customer service, and they tell me I need to talk with Fraud. I call Fraud, and I verify myself. I explain whats going on, and I am told they can not help me. I ask for a Supervisor again, I get XXXX she has no idea whats going on, why I am calling and says she can not help me. I have been calling since XXXX. The reoccurring charge keeps happening and now there is more Fraud.

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 2019-06-24 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Between XXXX XXXX 2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been dealing with this company for multiple years now and their illegal reporting of negative items on my credit report. PRO COLLECT, INC is the company being used in an attempt to extort me by a previous landlord from years past. After I was evicted due to non payment because of the living conditions of this place, they began to add all of these chargers totaling thousands of dollars. They failed in their personal attempt to extort me so went and eventually hired PRO COLLECT to do their illegal acts for them which they have been doing for multiple years at this point. Harassing phone calls and multiple letters being sent to my home over the years. This needs to stop immediately. All contact needs to CEASE AND DESIST. And collection account needs to be removed/deleted from ALL three credit bureaus, immediately!

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 2019-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Between XX/XX/XXXX-XX/XX/2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )

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 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/19 Wells Fargo allowed a washed check to go through for {$400.00} that was not authorized and should not have gone through. They are refusing to take care of the issue stating that it is my signature. That is how a washed check works. I have been with Wells Fargo for 20+ years and if this is not resolved I will be closing 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 2019-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I ordered XXXX XXXX XXXX XXXX XXXX XXXX from XXXX through the seller XXXX XXXX. 


This was shipped to my workplace It was delivered on XX/XX/XXXX. 


This is exactly what I received. The box was not damaged, but the box inside looked like it had been tampered with. 




I filed a claim through XXXX on XX/XX/XXXX with the pictures I had just sent you. The seller replied that they shipped directly from XXXX, but no one from XXXX ever contacted me. The seller stopped contacting me completely after that. 


I then contacted XXXX and on XX/XX/XXXX they sent me a return label. 




I returned the item. It arrived there on XX/XX/XXXX. 




On XX/XX/XXXX, I called XXXX because they had not reached out to me Hi Thank you for contacting XXXX. If the seller does not respond within 2 business days, please reply me in the email and I will send a request to our XXXX support team so they can expedite this. Thank you in advance for your patience. 




The seller had never replied and at this point I had to escalate it to a chargeback through Bank of America on my cash rewards card.. 



A month goes by and I receive a letter asking for more details and a second opinion letter from another merchant. I can not get the second opinion letter since I sent the item back already. 

I send the information asked of me. ( essentially the summary of events with pictures ect ) Two days ago I get a claim denied notice. 

I call today and informed because I filed it under " Item not received '' and not " Item not as described '' that my claim was being denied and there's nothing I can do.

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 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I received {$1100.00} reimbursement check from Winn Law Firm sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the Winn Law Group, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received an alert from my identity theft protection company that I had opened a new line of credit on XX/XX/XXXX. I called Equifax to determine who had opened this line of credit and obtain contact information for the creditor since Equifax had not provided this information in the report. They proceeded to ask me ridiculously obscure information about things in the past that no person would ever remember ( the monthly payment of student loans which had been paid off in full over 2 years ago before I ever paid a single monthly payment ). I am now concerned that Equifax has locked me out of my own credit and while allowing somebody else to open an account on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: GA

Complaint narrative:
To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!! 

Account Name : XXXX Account XXXX : XXXX According to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
In XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX stating I owed them {$1700.00}. I sent a letter on XX/XX/XXXX asking them to validate this debt. I did not hear back from them. In XXXX of XXXX I received a similar letter from a different company FBCS , Inc stating I owe them the same amount of {$1700.00}. I sent them a letter on XX/XX/XXXX asking for the same validation. I also received a copy of a paper that appeared to be order for judgement from XX/XX/XXXX, from a completely different company XXXX XXXX XXXX  XXXXXXXX XXXX. The paper did not have a court seal, docket stamp, file number, case number, official letter head or anything official from a court of law. 

I found it to be suspicious, so I contacted the state 's district court where this paperwork supposedly came from immediately. I gave them all the information I had and was told there is no judgement on file against me. The paperwork I was sent is fake. My information can be searched in any court and there will be nothing on file against me stating I owe this debt. Afterwords I sent a second letter stating all the facts. I do not owe this debt, I've never heard of their company and I do not owe them. There is no court judgement against me. I received a letter stating this account will be put on hold in their office, dated XX/XX/XXXX. 

Today XX/XX/XXXX I receive a call from someone at FBCS , Inc on a recorded line stating that I owe over {$5000.00} and if I didn't pay, they know where I worked and would have my wages garnished and have their lawyer come after me. The lady on the phone scared me so I feel compelled to report them. I'm sending them another letter as well an contacting the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
On the morning of XXXX XXXX, 2019, I initiated a money transfer to a friend in XXXX, XXXX, named XXXX XXXX. Despite having made transfers to Ms. XXXX multiple times in the past, I was told the company needed to review this transfer. An agent called me after several minutes to ask for information. When he asked for the receiver 's name, I gave it to him. He asked me to repeat it and I asked him to clarify which part he had not heard. He would not do so, and became rude on the phone. I asked to speak to his supervisor. He refused. 

To make a long story short, I had to make three phone calls to find out what was happening with this money transfer. I was cut off once -- call dropped. Eventually I spoke to an agent named XXXX, who was helpful and told me that the transfer was canceled for " business reasons. '' I asked what that meant, he said it had something to do with the compliance department but he could not be more specific. I asked to speak to someone in that department. He said he was unable to connect me because they did not have the phone number of that department. 

There should be no reason that this transfer was questioned, much less cancelled, since it was identical to transfers I have made in the past. There is absolutely no reason Western Union can not  provide a specific reason for the cancellation. And there is no reason why I, as an ongoing customer for this company, should be subjected to such miserable customer service, the agent named XXXX excepted. 

I also tried to initiate an online chat with an agent but was told that the chat function was unavailable -- immediately after being connected with an agent. 

Here are some relevant details : - WU tracking number -- XXXX - Amount : {$100.00} - Fee : {$12.00} - Time I have spent trying to clarify and register a complaint : over XXXX hour. 
- Phone calls made by me : 3 - Chats initiated by me : 1 - Phone calls dropped by WU : 1 - Detailed explanations given by WU : None

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: FL

Complaint narrative:
The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX   Account # XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX  Account : # XXXX Amount : {$2200.00}

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 2019-06-24 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:
The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX  Account # XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account : # XXXX Amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exeter Finance didnt provide any proof of said claim. Exeter stated they reviewed the calls. They even stated the extended. They didnt say it was applied.

Exeter Finance is using stall tactics to attemp to reprocess the vehicle during the pending situation.

Ive taken steps to prevent that from happening.

Until matter is formally handled

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: VW Credit
State: RI

Complaint narrative:
In XX/XX/2016 I leased a XXXX XXXX ( VIN XXXX ). I was clear that I needed XXXX miles per year because of my commute. This was discussed in person and via email with the sales manager. My previous lease, the lease referenced and current lease are all XXXX miles. 

When I turned in the vehicle I was charged for mile overage. It was then revealed that the lease documents were tampered with. 

The lease miles were changed on the document. The document that was given to us as a copy was not the copy that I signed. The paperwork that I signed absolutely matched the XXXX miles agreed upon. 

XXXX is not taking this seriously or even helping to investigate matters, they are reliant upon us for getting email records from our previous email provider.

Company response to consumer: Closed with explanation