vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2018 I was on XXXX searching for event tickets and found an add that advertised tickets for the amount of {$120.00}. After this point seller organized the money exchange would be via XXXX ( It felt safe because my bank Wells Fargo was linked so naturally assumed there would be protection ). The seller proceeded to send XXXX account email and instructed me to send {$120.00}. After I sent funds a brief phone call was made to seller where I was told that the tickets were being sent from XXXX and that it would take a few minutes and quickly hung up. Several phone calls attempts and several more after the seller denied all calls made. This was a devastating experience using XXXX. 

Ps I reached out to Wells Fargo and was told nothing could be done and to just call the cops. Wells Fargo doesnt not refund any XXXX transactions if its comfirmed fraud only if the XXXX sender is hacked.

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 2018-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2018/Cert. Mail delivery date-XX/XX/2018, XX/XX/XXXX, XXXX/Cert. Mail delivery date-XX/XX/2018, XX/XX/2018/Cert. Mail delivery date-XX/XX/2018 and XX/XX/2018/Cert. Mail delivery date-XX/XX/2018. I've sent numerous letter ( s ) to XXXX XXXX to have this account " investigated '' because I have no knowledge of this account that's why I've been requesting competent evidence bearing my signature, showing that I have or even had some contractual obligation to pay {$12000.00}. I've also notified xxxxxxxx xxxxxxx in my letters that their wilful non-compliance to follow Federal and local State laws dependent upon their response ( s ), that I may be detailing any potential issues that I see fit regarding their response to my request ( s ) will be used to file a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office and XXXX XXXX XXXX, via sent certified mail. Thus far, I have received ( 6 ) responses from xxxxxxxx xxxxxxx and none of their response ( s ) have any documentation bearing my signature to establish that I have any contractual obligation with this company for them to be trying to collect any monies they say I owe them or to be providing unverifiable and incomplete information to XXXX, for it's reporting purposes.The furnisher is providing unverifiable and incomplete information to me and to the credit bureau with bare bone jargon and itemize statements which are insufficient and not validation. This information is being reported as being verified information and this is clearly not validation but a clear violation on both parties of the law, of the furnisher and the credit bureau ( XXXX ) of the FCRA & FDCPA and local state laws. I request to have this issue investigated and if it's determined that federal and state laws has been broken i request that this account be immediately removed from my credit profile with the credit bureau ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Filed a complaint in regards to a debt that was incorrectly reported. XXXX XXXX did not make any meditative measures to remove the two blemishes that followed a move and a new address they had on file. This was a debt that PayPal was already in trouble for by the CFPB ( https : XXXX ). Just because XXXX XXXX " decided '' to close my account- it did not make the debt less frivolous and riddled with illegality. I had a clear pattern of not missing a payment ( other than the 2 months during a move ). Closing an account that I had actively been making payments on does not constitute a good faith business practice and is rather tangential to defamation. Keep in mind I have taken out several loans with high interest and been denied for a student loan. My credit score was at the mid 700s until I caught on to this blemish.

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 2018-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This bill should not have been given to me. 
This was fraudulent activity that was done, and billed to the incorrect person. 
When dealing with this before, it was removed several months ago ( {$640.00} ). 
Now, it is back on my credit report and this is stopping me from closing on a home. 
This bill does not belong to me. I am very very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My XXXX credit report has an inquiry from Alliance Data on XX/XX/2018. 

I never applied for any services or credit with Alliance Data and as such Alliance Data is in violation of the FCRA.

Alliance Data had no permissible purposes to my credit report and can not provide any any document showing XXXX XXXX XXXX applied for any credit or service with Alliance Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was charged an annual fee of {$59.00} for my Capital One Venture card on XX/XX/2018. A couple days after that date, I called Capital One to downgrade my card to a " Venture One '' card which has NO annual fee. I was informed that the annual fee would be reversed, but I did not see the credit after one month. 

Today ( XX/XX/2018 ), I called the bank to inquire about the fee, and I was told that they can not waive the fee. I believe this is unfair because 1 ) I downgraded the card after a few days of annual fee posting and 2 ) I will not be receiving the benefits that the annual fee provides.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Debt is not mine XXXX XXXX has yet to provide to proper validation of this debt this is my 4th time asking for proof and have yet gotten it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union Credit Score Request : On XX/XX/18 I was trying to get my credit score from Trans Union by logging into their website. They charged me {$19.00} for a membership that I didn't want. When I called to complain they said that at the side of the web page ( it is actually on the bottom ) was a small notice that I would be charged {$19.00}. I did not see this. There was a request for my credit card information which I believed was needed for either identification verification or to charge for the credit score but I assumed I would have to agree to any amount being charged for the service before proceeding further. 
While the website showed my credit score and a credit report, which seemed rather sparse on information, there was no way to print the report or my score other than doing a print screen making it less than convenient to document either of these. 

I received a charge on my credit card but no confirmation of the service from Trans Union. After my phone call ended I received an email " confirming '' my request to stop my subscription which is completely different language than what the agent told me on the phone which makes it all very confusing as to what service is being offered. 

I feel their website is deceptive and is trying to scam me out of my money. As it is, the whole credit rating and credit scoring industry doesn't serve consumers best interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
HYUNDAI MOTOR FINANCE WAS ASKED TO PROVIDE TE ORIGINAL CREDIT APPLICATION FOR FINANCING TO SHOW THE DEALERSHIP XXXX XXXX EDITED OR ALTERED THE MONTHLY INCOME. IF NOT GIVEN WE WILL GET A ATTTORNEY TO SUPENOA THE RECORDS. WE NEED THE ORIGINAL CREDIT APPLICATION SUBMITTED BY THE DEALERSHP AND WHEN T IS VERIFIED WE ARE ASKING XXXX XXXX TO REMOVE FROM CREDIT REPORT. XXXX XXXX INCOME MONTHLY WAS NOT ENOUGH TO FINANCE FOR A BRAND NEW 2017. THE DEALERSHIP FALSIFIED THE REPORTS AND WE ARE ASKIG FOR THAT ORIGINAL CREDIT APPLICATION FROM HYUNDAI MOTOR FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts listed on my credit report that were not opened by me or authorized to be opened by someone else on behalf of my self. The creditors are XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The amounts in dispute are {$1900.00}, XXXX, {$620.00}, {$3700.00}. These items have been previous disputed as fraud. Some were removed however they reappear under different purchasers. I would like for these items to be throughly investigated with proof showing these accounts were both opened and used by me. If this information can not be proven these items should be removed. Attached you will find a copy of a police report along with the case number filed in XXXX, Texas XXXX XXXX County.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
Sometime in XX/XX/XXXX I filed a complaint with XXXX XXXX and through his office the complaint was filed with CFPB ( complaint # XXXX ). My main complaint was against Bank XXXX XXXX as they had taken all the bad loans from XXXX XXXX XXXX XXXX XXXX. CFPB closed my  complaint as BOA claimed that XXXX XXXX XXXX XXXX XXXX has ownership of my property. On XX/XX/XXXX I purchased the property the mortgage was recorded on XX/XX/XXXX, Book XXXX @ Page XXXX. The mortgagee was XXXX  XXXX XXXX , XXXX, XXXX MIN # XXXX, the Lender was XXXX XXXX XXXX , XXXX An Assignment of mortgage was prepared on XX/XX/XXXX, by XXXX  XXXX XXXX assigning the loan from XXXX XXXX XXXX , XXXX to the XXXX XXXX XXXX XXXX XXXX , the assignment was executed by XXXX XXXX who acted as a secretary of MERS when in fact, XXXX XXXX is an Assistant Vice-President of XXXX XXXX XXXX , her signature was notarized by XXXX XXXX who also is a SAenior Business Analyst for XXXX  XXXX XXXX . The assignment was recorded on XX/XX/XXXX in Book XXXX @ Page XXXX. Since XXXX XXXX is not an employee of MERS and does not have the authority to sign in their behalf this automatically prove fraudulent robosigning and faulty loan ownership documentation which is against the XXXX XXXX XXXX and the Regulation X of CFPB. XXXX XXXX XXXX , XXXX has full ownership of the property as the original Promissory Note was not endorsed at all ; the securitization of the mortgage has been violated by mortgage transfer, for that XXXX XXXX XXXX , XXXX is the ONLY one who has the authority to foreclose the property. I requested a modification in XX/XX/XXXX and in XX/XX/XXXX I was awarded with a Home Affordable Modification, which was in violation of Making Home Affordable, the loan was to be modified for 40 years, instead was modified for 26 years, also under Making Home Affordable Guidelines I would have qualified for a Loan reduction as my property was under water instead I ended up with a deferred principal balance and a balloon payment in the amount of XXXX. On XX/XX/XXXX XXXX XXXX XXXX transferred the loan to SLS who has refused to work with me as I am going through a divorce and I am a self-supporter. On XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX issued a check payable to me and my X-husband in the amount of {$10000.00} for fire damage. MY divorce attorney forwarded the check to SLS, on XX/XX/XXXX, up to date, I do not know what happened to this money as I never received the check back or SLS applied the money to the outstanding balance of which would have brought the loan current at that time. I am requesting for this case to be reopened and bank regulators to be assigned to this fraudulent case, and I hope that this time that I will get the help I deserve, need and justice for all.

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 2018-10-22 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: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Someone open a credit card account with XXXX XXXX Bank on XX/XX/2014 utilizing my social security. Current creditor Portfolio Recovery Associate disclosed that the debt amount is for {$2100.00}. Address utilized is from NY, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I wrote to XXXX, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote Convergent Outsourcing myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to 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. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.

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 2018-10-22 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: NV

Complaint narrative:
THERE ARE INACCURATE INQUIRIES ON MY CREDIT REPORT I HAVE ALREADY DISPUTED WITH THE CREDITORS ADVISING I DID NOT GIVE THEM PERMISSION TO PULL MY CREDIT REPORT. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018

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 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with XXXX. Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXXGlasser & Glasser PLC XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of XXXX from Glasser and Glasser, P.L.C ( XXXX XXXX  XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified XXXX or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from Glasser and Glasser regarding the same debt from XXXX, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XXXX, XXXX, XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed XXXX ( Glasser and Glasser ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from XXXX ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to Attorneys Glasser and Glasser PLC ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''

Company response to consumer: Closed with explanation