vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has yet to say why on the day of the California All Purpose Document for Corrections & Power Attorney to why it was presented before me and all the other documents I sign with and by my signature was presented. At the time there should not have been no Notary signing for me or making financial arrangements and making choices on there behalf. It is real strange that it was sign and Notarize by the same person but stated I personally appeared in which I did not. Wells Fargo home Mortgage committed fraud and has yet to justify the document in any truth nothing but deception on there part. 
I'm tired of the games and run around by Wells Fargo to this matter at hand.

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 2018-06-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
Asset Recovery is attempting to collect on debt from the University XXXX XXXX that was covered under financial aid and corporate scholarship

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
Product Debt collection Sub-product : Credit card/ consumer reporting/collection Issue : Attempts to collect debt not owed/ incorrect consumer reporting/ no knowledge of consumers Sub-issue : Victim of Identity theft I recently requested my annual credit report from the three credit bureaus and my credit reports have inaccurate collections, consumers reporting, and credit cards reporting all the information that will cause damages to my file. I am in the process of looking into buying our first home and my credit score is affected by the consumer 's reporting. Lenders won't approve my application. As we reviewed the report there were consumers reporting with incorrect information, debt collections, fraud and credit cards accounts I have no awareness of this accounts, I am a victim of ID theft and would like further investigation under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of consumer 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 2018-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
My husband bought XXXX XXXX from XXXX XXXX and he applied to pay in 12 with no interest with XXXX thru XXXX XXXX. We have made 3 payments and have been charged 2 late fees. I pay my bills thru my bill pay system thru my bank. I put the date that the payment is due and it tells me when I need to send in order to get to the place by due date. On the first payment I made they said they received one day past due date, then on this last statement I sent the bill on the XX/XX/XXXX and the due date is the XX/XX/XXXX which was on a Sunday, so I put date in the system so they would receive by the XX/XX/XXXX. Well they said they did not get until the XX/XX/XXXX because the XX/XX/XXXX was a holiday. I think this is just a way for them to charge extra fees to your account and then at the end of 12 months they can charge the interest. This is ridiculous and I called XXXX XXXX and they said they have had this complaint many times on this company. I feel that ya 'll need to investigate this company for these extra charges they are charging people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan with XXXX XXXX. I was immediately informed of an account in collections in XXXX. I had no idea, I was never sent a bill or so much as a phone call. XXXX XXXX provided me the account information. This is how I first learned of this bill in collections. The same day I filed a dispute throu XXXX since it was showing up through them. The following day I get a call from the debt collection agency. I asked why I was never made aware either mail or phone of this balance.The man said there had been 4 mail and 4 phone attempts to reach me. I told him that was a lie I had never been contacted. He said that the account was not yet sent to collections yet. Which was another lie since I had been made aware one day before that it was. 
XXXX  dispute had been completed and that account was to remain tillXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Due to my financial situation and being on XXXX I took out a loan thinking that I would able to pay it back, but due to the amount of accumulated interest rates and other fees, I'm unable to do anything about it. 

I have contacted this company ( XXXX XXXX ) on numerous occasions and have requested that they not call me, but they continue to do on a regular basis.

One day last week, they contacted me and just as I hung up the phone, they called right back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Calling from : XXXX I've been receiving calls from this number since XX/XX/XXXX at what would be just about XXXX in the evening. It's unusual for someone to call my line after XXXX XXXX regular work day as I'm usually not available at this time. I actually have the publicly registered number ( s ) from this company saved on my phone and that is where I was expecting to be contacted from. I found it odd that a local number would call so many times without leaving a voicemail but ignored it nonetheless because no one who knows me calls without texting me first unless it's an emergency. Due to the amount of times this number appeared in my logs alone, I decided to call them back on the XX/XX/XXXX.  When I dialed the number, it rang once, then bounced me to the queue for Simm Associates Incorporated and immediately puts me in line to speak to a live agent. My phone number works perfectly fine and I'm open to returning calls of those who leave voicemails, but these practices are done in a way that I believe is in violation of my rights as a consumer under the FDCPA and the TCPA because not only is it deceptive, but because the company masking their number with a local line to establish contact with me in a way that misrepresents the nature of their calls, which is spoofing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: CA

Complaint narrative:
Good Afternoon, My name is XXXX XXXX. I have reached out to Discover Student Loans multiple times for details on my account because I believe my balance is incorrect. I have made additional payments as well as those that have been due, when I noticed my balance had not decreased in XX/XX/XXXX or XX/XX/XXXX I began to do my own investigation, as well as reaching out through email, phone, and secured messaging on their website.

I was told that there was a merge between accounts and that balances may be incorrect. That message was also posted on their website very briefly. I received multiple calls and emails hounding me for payments that had already been made. One rep actually had to apologize as she was confused as well.

I was advised to submit additional receipts that were not accounted for online, but they have not been acknowledged.

It is concerning that I am being told any payment that has been intercepted reflects on my online account payment history, but I have in fact given proof that they have not been accounted for.

I believe that this is discover student loans fault, and their consumers should not have to suffer due to their unorganized merge.

I have also requested a thorough payment history breakdown from the beginning of the loan history, disbursements, and payments made. I was told one would be given to me, and I have still not received it. It has been well over a month now.

I would also like to note that I spoke to someone named XXXX  ( I still have the letter he sent me ), and once I proved that the payments I made were in fact not reflected on my account, he said he would transfer me to someone else and instead disconnected. When I called him back, he did not answer. When I left a message, he did not return the call nor did he advise a rep to follow through with a solution.

I will be sending subsequent emails to any and every party associated with discover until this has been addressed and taken care of. Or I will ask that Discover be investigated for embezzlement. Please advise.

The e-mail associated with the account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have called American Credit Acceptance and spoken to 3 different account representatives ( its all on their recorded phone line ) to tell them they have not reported to the three credit bureaus ( XXXX, XXXX, XXXX ) in over three months. The information regarding my account is incomplete and inaccurate. As a result of them not reporting my credit scores have not raise to reflect my payments. I have been making payments before their due dates every month and have not gotten any credit for it on my credit report, as they have not reported, " pays better than agreed '' or anything since XX/XX/2018. Per 15 U.S.C.1681 ( FRCA ) American Credit Acceptance is willfully violating the fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank is offering three separate offers for the " Freedom Unlimited '' card, claiming that they're all the same card. To me, this seems like a highly deceptive practice as it's based on a random factor of a user visiting the site. Refreshing the page will provide additional perks to a card - for the life of the card. Please see attached screenshots for an explanation of what I'm talking about.

It doesn't seem legal, fair, or ethical for chase to offer additional " card benefits '' if a user refreshed the page. It doesn't seem correct that this is based SOLELY on random chance, and yet they claim that it's the same card. A card with 0 % on 299+ is not the same as a card with 16.49-29.99 % interest after 15 months.

Chase has attempted to claim that it's a new customer bonus ; however, I don't feel that's the case when the 0 % interest for 6 months on purchases of {$290.00} ( for life ) is listed as a card benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: FL

Complaint narrative:
I was trying to get XXXX XXXX. The first two times I tried to get the service, the process was cancelled due to XXXX 's internal security process being flawed. They advised me to try again. On the third time, they changed the process without warning and did a credit inquiry I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
I knew an account was being sent to Mars INC. on XX/XX/18 so I contacted them with the intention of setting up a payment plan. My main concern is credit reporting and preventing credit reporting. The representative had provided me the balance and that she would require $ XXXX/month to prevent credit reporting and that it is a courtesy that keep an account from credit reporting. I mentioned that they were in violation of FDCPA by not providing the Mini-Miranda. She said " we haven't discussed the debt '' ; which we had when she disclosed the debt without verifying 2 pieces of information. She then gave the Mini-Miranda and said that because I had an attitude she would not work with me to prevent credit reporting and that she would make sure the account was placed on my credit report. She then transferred me to a supervisor who was very rude about me asking my questions. When she said they wouldn't place the account on my credit report for 30 days I responded with " I know that would be illegal '' and she got snippy with " well when did you get your law degree ''. I work at a XXXX XXXX and am very aware of FDCPA and UDAAP. and it is in violation of UDAAP to tell me that because she did not like my attitude they would not extend the same courtesy to me as they would another consumer and to question where I got my information simply because I do not have a law degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over the weekend I had small pending charges to my account and I had pending receiving credit which would bring my account to much higher positive rather than overdrawn. I believe, since they are going by the debit charges when they are clearing, the computer is generating a {$34.00} fee per item ; I was charged ( 3 ) three times : {$100.00} total. It was not a situation that I was cleared a negative for 24 hours but the same day transaction.

I spoke with ( 3 ) three Chase Manager Bankers and none of them had the power to override the computer error. The same situation happened to me this past XX/XX/XXXX and I was able to get credit, but this time they insisted that they are not able to offer me the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
I have filed numerous complaints attempting to resolve this matter and XXXX from Harley Davidson Finiancial Service is calling me telling me she does not care about what was written to the government-cfpb. Harley responded We mailed a letter to the customer, which is also attached to this response. We explained that the dealership the customer complains of is an unaffiliated third party, and we do not have control over that dealership over matters outside our loan agreement. The customer indicated he is working on a resolution with the dealership, and we encouraged him to continue in that effort. We explained that the transaction he describes between the customer and the dealership does not impact the customer 's loan agreement with HDFS. We again explained our duty to report credit accurately, and that we can not change information we believe is correctly reported. We provided our toll free customer service phone number, and invited the customer to contact us with any additional questions he may have. AND I DID EXACTLY THAT. I called got a payoff letter, then worked it out with the dealer. Only for XXXX to nothing will be done on the deal now since the dealer is paying off the bike and not me. This makes no sense when I made it very clear in my last complaint what I would be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
The following number XXXX and other numbers from this same company keeps calling my number repeatedly while i am at work. I send it to vm and they literally call right back. I answered and informed them this debt was paid and that i wanted my cell phone number removed from their list and added to the DNC, I asked them not to call me again. They keep calling!!! This is for XXXX XXXX  clothing store credit card. aka : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/XXXX I viewed my XXXX XXXX  app on my XXXX report for Hard Inquiries and saw : XX/XX/XXXX, XXXX, XXXX XXXX XXXX. I didnot initiate a request from XXXX. On XX/XX/XXXX, I called XXXX fraud dept. and was told that XXXX XXXX XXXX XXXX is fake, and they dont show an inquiry being made about me on that date. They said they would not provide me with a letter and to contact XXXX. On XX/XX/XXXX I called XXXX and was told to make a police report for fraud.They gave me a file number, it is XXXX. Please help me. I just want this hard inquiry taken off my credit file with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Miller, Stark, Klein and Associates
State: FL

Complaint narrative:
On XX/XX/2018, this company called my mother 's house after repeatedly calling her cell phone. The call is a robo message stating " several complaints '' have been filed against me and my " cooperation is required. '' The " complaints '' are apparently but a single debt alleged that I owe. The pluralization of this single incident is intentionally false. Further, the characterization of a debt collection as a complaint and my cooperation being required together would lead any reasonable person to think the caller has some official capacity, i.e., governmental authority. This robo message fails to identify the person or the name of the company that is calling. This same message has been left for many others according to a cursory web search. This call also comes from a spoofed Caller ID number identifying the caller as " XXXX XXXX XXXX XXXX. '' Upon selecting 1, the call is transferred to a woman who gave only the company name. She refused to identify herself, state the nature of the business in which the company is engaged, or the company 's address. I was told to " go to XXXX '' and " do my homework. '' This failure to identify is improper.

This company has never given me written notice about any alleged debt. I do not owe anyone a consumer debt for which payment are delinquent. I believe this company has violated many provisions of Federal law. Additionally, they are not registered to collect debts in my state as Florida requires.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NY

Complaint narrative:
This debt was supposed to be from XX/XX/2003 15 years ago the amount of this that is {$310.00} dollars that was passed over to a debt collector and that on my credit report that I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: MI

Complaint narrative:
I have disputed an inaccurate account with Equifax, XXXX and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( Equifax and XXXX ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XX/XX/XXXX and XX/XX/XXXX. I am entitled to a fair and accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
This is a followup for complaint XXXX. Upon making 1 phone call to my previous mortgage holder, i found out that the money was sitting in a corporate advance account. If XXXX XXXX had done this, they would not have erroneously sent me their nonsense letter trying to scam extra money out of me. I see from their " response '' that they have mis-applied my XX/XX/XXXX payment to XX/XX/XXXX, as well. This needs to be corrected ASAP. I have attached all relevant documents. I expect them to come correct, and to apologize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: GA

Complaint narrative:
I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.

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