vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
DIVERSIFIED ADJUSTMENTSxxxxxx XXXX To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If DIVERSIFIED ADJUSTMENTS even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
FRANKLIN COLLECTION SVCS INC To Whom It May Concern, The reason for my dispute is FRANKLIN COLLECTION SVCS INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also FRANKLIN COLLECTION SVCS INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 FRANKLIN COLLECTION SVCS INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FRANKLIN COLLECTION SVCS INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FRANKLIN COLLECTION SVCS INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If FRANKLIN COLLECTION SVCS INC even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute with Transunion recently with supporting documentation of a charge off. I have credit reports going as far back as XXXX that reflects XXXX updating my credit report to show this account was closed and charged off as of XX/XX/XXXX. After filing the dispute the creditor changed the closed and date major delinquency was first reported to XX/XX/XXXX. These are tactics creditors use to reage debts delinquencies. When the creditor changed this date my credit score dropped more than 20 points and I now have a new charge off reflecting. I had not been affected by this charge off anymore seeing as though it was almost 6 years old. After speaking with a supervisor at Transunion she stated to me every time I disputed the account the creditor changed the charge off date. She also stated I did a dispute in XX/XX/XXXX and the creditor change the major delinquency date to XX/XX/XXXX then changed it back to XX/XX/XXXX years later. The supervisor stated she was unable to make any changes because XXXX had the account locked and it was out of their hands. I felt hopeless and decided to settle this debt with creditor although I felt I did not owe the debt. Still the creditor is reporting inaccurate information. The creditor also wrote the debt off as a profit loss/write off in XXXX. I reached out to a lawyer and they stated to me that I needed to file a complaint because Transunion has violated sections 609 and 621 of the FCRA by not correcting inaccuracies and not conducting proper investigation. I am asking that Transunion delete this tradeline immediately due to inaccurate reporting and I am providing all documents. Ceo XXXX XXXX sat with the US House Committee and stated he was fixing this broken system to aid consumers. I have been denied a mortgage as a result of this and I have been completely stressed out. I have felt completely helpless as a consumer.

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 2019-11-14 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: NY

Complaint narrative:
On XX/XX/19 i made an purchased with features 901 then 14 i returned all my items cause nothing fit then i asked for an exchange which i had to pay XXXX dollars different that i never received and the owner of this place accused me of stealing my own items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My son was scammed by an XXXX XXXX woman, alias XXXX XXXX who represented herself as a Travel Agent with XXXX XXXX XXXX XXXX and sold my son, an airline ticket/hotel accommodations. She was referred by my sons supposedly friend and said she was scammed also. 
Details from my bank statement are below Purchased authorized on XX/XX/XXXX too XXXX XXXX * to XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX was debited from our joint Wells Fargo checking account with my son. 
XX/XX/XXXX, I filed a claim with Wells Fargo because the purchase was made from my son debited visa card. Wells Fargo advertises Zero Liability Protection if you do not receive a product or service. My claim was denied by Wells Fargo because the transaction went thru XXXX XXXX. I contacted XXXX XXXX and they responded sorry and instructed us to contact their legal department. Their legal department was sent an email todayXXXX. 
I also filed a police report with XXXX  XXXX, Texas Police Dept. The case number is XXXX XXXX, number XXXX After several abortive calls to XXXX XXXX at XXXX I began texting her at XXXX. I texted her to return or refund the money and I received the following text message from her. 
I copied and pasted her text message below : Baby you need to look up your laws with money transfers and thats why the bank wouldnt give it to him due to XXXX XXXX lol yall try to sound so professional and look crazy

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 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is FBCS Financial Service was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FBCS Financial Service failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) FBCS Financial Service failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FBCS Financial Service is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FBCS Financial Service is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this  collection account to be removed from my credit report. XXXX XXXX XXXX # XXXX**** has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a practicing XXXX XXXX and I value my Sundays, my worship days, my rest days. Chase used two phone lines to call me and collect " debt '' that I DO NOT OWE! an FTC report has been filed. The two phone lines CHase has been calling from were : XXXX ( Florida ) and XXXX ( XXXX XXXX, TX ). The calls spanned anywhere from XXXX XXXX to XXXX XXXX. These phone calls not only disturbed my days of rest, but has given me too much anxiety, to the brink of panicking throughout the day. These calls were barbaric and unbecoming. They contribute negatively to my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When applying for a capital one credit card I was told once they received a security deposit of {$99.00} was received they would send me my card. I received the credit card and then received another letter in the mail a few days later saying they didnt get my payment. I tried calling to find out and make a payment if needed and couldnt get ahold of anyone and didnt get the option to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I sent a letter to sagestream asking them to freeze my account and they never respond. I sent out a letter and I also filled out app online to freeze credit but still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: CA

Complaint narrative:
XXXX XXXX fraudulently increased the interest rate of the original lock confirmation 5.385 % provided by my loan agent, XXXX XXXX, XXXX XXXX XXXX to 5.76 %. They did this close to my closing date and refused to lower my interest rate. 

Following is the lock confirmation my loan agent, XXXX XXXX XXXX XXXX XXXX  confirmed on XX/XX/XXXX : ( Unable to upload necessary documents onto your platform, tried multiple times. I just uploaded documents in the upload section, please review. ) Talk to my loan agent from XXXX XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. The address of XXXX XXXX is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( office number XXXX ) Through email communication with my loan agent from XXXX XXXX. I came to know XXXX XXXX, the contact person handling my loan at XXXX XXXX. She is one of the persons at XXXX which my agent, XXXX XXXX, communicated with in addition to the investor also at XXXX. XXXX XXXX email is XXXX in correspondence. Her address is Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX  XXXX XXXX XXXX, XXXX TX XXXX, phone number is XXXX and XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. 

XXXX XXXX is the assistant to XXXX XXXX, Vice President - XXXX XXXX. 

The name and address of the mortgage company is as follows : Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX They were contacted by my loan agent several times to decrease my interest rate from 5.76 % to match the lock confirmation interest rate of 5.385 % prior to the date of my close, I closed on my condo XX/XX/XXXX, but XXXX refused and did not decrease my interest rate. Even until now, they have taken no action. This the reason for the filing of my complaint. They have taken advantage of me through fraudulent predatory lending practices, and I want justice. 

I want have all my mortgage debt with XXXX brought to a {$0.00} balance actually. Because their actions are so egregious. This is the same type of fraudulently practices that led to the previous financial crisis of XX/XX/XXXX-XX/XX/XXXX. Thank you for help me in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter to Experian to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.

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 2019-11-14 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: DISCOVER BANK
State: MI

Complaint narrative:
I sent a letter to XXXX  to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
I sent a letter to XXXX  to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
on XX/XX/XXXX I a made a payment of {$300.00} to Ally Financial and another payment {$380.00} on XX/XX/XXXX then {$1000.00} on XX/XX/XXXX. since XX/XX/XXXX I was making weekly payment or overpayments up until XX/XX/XXXX then monthly payments thereafter every month. Since XX/XX/XXXX I have made {$4500.00} worth of payments, my payment is {$390.00}. I made two payment of {$400.00} on XX/XX/XXXX and XX/XX/XXXX and  XX/XX/XXXX and XX/XX/XXXX. They have been adding late fees once I pay them off the add somemore out of thin air. I write on my checks apply to principal monthly payments not late fees. The lates fees are a scam no basis for them. Now I made for the full amount and they still say I owe {$180.00} and they have been reporting me late all these years and I have made payments every month and some time multiple times. This is stealing and I need some help

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 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My first complaint filed was not resolved I have my complain to Mr. Cooper about my assumption rights-submitted documents they requested them saying didn't get a probate papers advised me to resubmitted the require document to start the assumption process Unlawful While I started assumption process over 6 months ago they still violating the regulation X and the Garn-St law my moving to sell the house even if Im going through the assumption process.

See, all attached.

Which clearly shows while on the same day Cooper Representative saying they are not in violation of the law they moving in court to schedule the sale of the property Case XXXX XXXX XXXX Circuit Court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: PA

Complaint narrative:
I have asked several times for a pay off amount for several months. They keep switching collection agencies and will not offer me a settlement amount to charge off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NM

Complaint narrative:
Discover cards debit collectors call me 5 times a day every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Never received certified letter of intent to repossess, documentation notifying me where the car would be auctioned, how much the car was sold for, after auctioned, of any other information. Company is also reporting inaccurate information about account on my credit reports, which is a violation of the FCRA. Equifax is reporting that account was paid on time XXXX & XXXX, the account was opened XX/XX/2018, and that its an installment loan. Experian is reporting that the account was paid on time in XXXX only, the account was opened XX/XX/2018, and that its an auto loan. Certified letter was sent asking for validation and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2019, I signed up for Bank of America credit card. I received the card and promptly registered my card online. At the same time, I set up an autopay option to pay my credit card automatically when payment was due. During the autopay payment option selection, I chose the pay " Amount Due '' option versus the " Minimum Amount Due '', believing that Amount Due doesn't mean the Minimum Amount Due. Turns out, the Amount Due selection is the SAME THING as the Minimum Amount Due option and when the autopay was applied for my statement on XX/XX/XXXX it only applied the minimum {$25.00} due. Bank of America then in turned charged me {$27.00} in interest on XX/XX/XXXX. 

I called in to dispute this and call out the deceptive and confusing wording for the autopay options but they are refusing to refund my interest charge because " I should've known there's a difference in the options ''. This is clearly deceptive practices from Bank of America and I would like my interest returned to me and for them to clearly word and differentiate their options in a non-deceptive manner.

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