vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield Inc, was mailed a Certified and signed Cease and Desist Letter, in that envelope was also a notification detailing their Violation of my Fair Debt Collection Practice Act rights and a demand for remove the false information from all my credit reporting files immediately. Hunter Warfield Inc. has ignored my communication for removal of the information. 

Copies of the two separate documents mailed by certified USPS to Hunter Warfield Inc. are attached. Also attached is the USPS Certified stub and copy of the delivery confirmation of that envelop to Hunter Warfield Inc. 

I formally request this case be forwarded to the Federal Trade Commission for a violation of ( 809. Validation of Debts ). As stated in the copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc.

Hunter Warfield Inc. made no attempt to notify me ( 30-day notification ) of the attempt to collect this alleged debt, it was simply placed on the credit reports in clear violation of my FDCPA rights to dispute and demand verification ( see attached copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc., titled Violation of Fair Debt Collection Practice Act.

There has been no attempt to correct the FDCPA Violation since receipt of notification of those violations, per the certified letters mailed and received by Hunter Warfield Inc. The Emotional Distress of Hunter Warfield Inc actions are unmeasurable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: MIDFIRST BANK
State: NC

Complaint narrative:
Midland Mortgage Company and I had a loan agreement for the amount of {$120000.00} to purchase a house. The agreement open date began in the month of XX/XX/XXXX. Payments I made totally of {$110000.00} were made. My inability to continue the monthly agreed payments or refinance led to a foreclosure in XX/XX/XXXX, with a remaining balance of {$9800.00}. The house was resold upon the date of XX/XX/XXXX, for {$74000.00}. The bank or lender recovered over half the balance of the loan, and the proceeds were applied against the amount remaining on the loan. The credit report shows inaccuracies, and the information has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA   XXXX XX/XX/XXXX Fraud Department 800 Loan Department I am writing to dispute the following information that your company provided to credit bureaus.

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Nissan have the credit inquiries ( s )  removed from all of my credit reports. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello- My checking account ending ending in XXXX was closed and charged a Force-Closed account fee of XXXX all while incurring XXXX in monthly charges as well. I am a credit card customer of US Bank and the account is supposed to be fee free. Well they put me in the wrong checking account so I was being charged a fee. When I pointed out there mistake they said I would have to pay the monthly charges on the account before the would close it an reopen the correct checking account that is fee free being a credit card customer. I refused and said it was not my fault. So instead they closed my checking account and was charged XXXX as a " Force '' fee. This is like XXXX XXXX opening up accounts for customers that they didn't need in the first place.

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 monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
My complaint is against Portfolio Recovery Associates, LLC- As of XX/XX/XXXX my employer was served a garnishment letter on that date. I was never aware of Portfolio Recovery Associates was granted a judgement on XX/XX/XXXX. So as forth I submitted to the court for a motion and order to set aside Default Judgement, on this date of XX/XX/XXXX which I was given a court appearance to explain to the court that Portfolio Recovery Associates did not have any documents to prove that I had a contract with them. As of XXXX XXXX I appeared to inform Judge XXXX XXXX XXXX, that Portfolio Recovery did not inform of any legal matters which includes Garnishment against me which is causing me hardship now. Since they were awarded to keep the judgement by the judge, which denied my motion as of XX/XX/XXXX. I have been battling this situation with Portfolio Recovery Associates, because I know they can't produce any Contract that with me ; or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I accidentally used the wrong wire information for an outgoing wire for {$5900.00} FROM Coinbase TO my XXXX account. Sent on XX/XX/XXXX, reference number XXXX Please pull back that wire. I tried asking Coinbase several times already. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I signed up through https : //www.sofi.comXXXX to refinance XXXX {$30000.00} in student loans with a promotional offer of XXXX XXXX point for every {$2.00} refinanced. I even called in after to confirm that I was enrolled. Upon having the loan funded, as expected I reached the screen where I entered my XXXX account information. 

Thinking I was all set, I waited about a month for the points to get deposited in my account before contacting SoFi. I got a canned response " We can not apply a new link after it has been 30 days since your original loan funded. The system locks out the manual adjustment option after the 30 day time period. '' Attempts to escalate this internally got nowhere. 

I would not have chosen SoFi if it did not have this offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
I just recently disputed some medical bills that should have been covered by the VA. I got out of the military in 2010 and was told I was covered fully for 5 years. Two items are still showing up on my credit report and some years ago I paid this company money which I realize now I should not have paid because the same debts for the same treatment had been taken off. The company is Aargon debt collections. I need help. Part of my XXXX is a XXXX which I have a XXXX XXXX on my XXXX for. Please 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 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: GA

Complaint narrative:
I have noticed on my credit report that this company has pulled a copy of my credit file on several frequent occasion, stating that I have applied for services or credit with their company, which is totally a fabrication. I tried googling the company to get information to see or what they are affiliated with and I'm still confuse on who they are. 
On my XXXX credit report last year they have 3 inquiries with the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 
I have no new credit or applied for any news services with this company.

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 2018-03-05 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: TN

Complaint narrative:
XX/XX/XXXX I had a chance to review my Transunion credit report via XXXX XXXX.On it I noticed an error. I saw that I had a XXXX account on my credit report in which I do but it is not the right account infromation that is on my actually XXXX bill. I disputed several times by certified mail due to this incident and sent it to Transunion. Tranunions says its right then says that XXXX has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called Transunion and XXXX to correct the account information. My XXXX account number is XXXX. Yet the XXXX account still remains.

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 2018-03-05 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I recently received notice that due to inactivity of my account. The lender plans on closing out the account on XX/XX/2016. I've been planning to soon refinance my home however if they take this action. This will negatively impact my current Fico score in turn financially hurting me. The better my score the better my rate. I have never misused or been late with any of my accounts and I have many.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed two accounts ( XXXX XXXX and XXXX XXXX ) a few times and Experian has always came back with " verified '' and never sent documents proving their findings. Also, both accounts have been paid off and according to Experian.com, both accounts are still showing " Failed to Pay ''.

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 2018-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I originally secured the loans through XXXX XXXX. I did not complete the degree due to the graduate school being unable to support my thesis ( 3 changes in advisorship ). I left and began working and filed a complaint regarding student program compliance with the Department of Education. They were not competent enough to effectively process my complaint and help me. I hired an attorney and received a slight reimbursement from the school : enough to pay my attorney bills. It then took me 6 months to find a job at XXXX XXXX. One year later ( XX/XX/XXXX ) I was part of a mass layoff, from which XXXX XXXX closed. Again it took me over 8 months to find a job. My next job was XXXX XXXX, for whom I worked for 2 years and then part of a mass layoff. This put me on unemployment for another 8 months ( XX/XX/XXXX ). In XX/XX/XXXX I was contacted by Navient and informed that my new monthly payment was over {$850.00} and that I faced wage garnishment. I filed a complaint with the Consumer Protection Bureau a ended up having my loans consolidated for a monthly payment of {$480.00}. This is still above my means. Due to hardship from divorce I have been placed on forbearance multiple times in XX/XX/XXXX& XX/XX/XXXX. I have just now learned of the Navient lawsuit and am shocked to learn that there were options other than forbearance. I have been paying my loans for years a now owe $ XXXX : my initial loan amount was $ XXXX. 

If there is anything that can be done to help me with this horrible lender for a degree I could not finish because the DOE and XXXX XXXX refused to address my original compliance issues that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company has inquiries on my credit report for services that I did not request of them. 
I have never heard of this credit union before nor have I ever gave them permission to pull my credit.

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 2018-03-05 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: NC

Complaint narrative:
I have been the victim of identity theft. I now have been studying my credit reports from the various agencies ( Experian, XXXX, etc ) and one came up on my Experian report that needs to be removed. I no longer have, nor have ever had an account with them and it shows it to be open on my report. 

XXXX Acct # XXXX Date opened XX/XX/2014 Monthly payment {$25.00} I attempted to send them a letter with no avail. They aren't able to be reached by phone. This is a fraudulent account and they most likely need to go to jail

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: ID

Complaint narrative:
This is an attempt to nickel & dime me, this has been a problem for years. No one will return my phone call when they find out what has happen. This was an apartment I had while l in the military I never stayed in the apartment I was getting ready to XXXX  the apartment was for my return. This is a cleaning fee for a clean apartment. Liars ; at the time they said they found dog XXXX that is a lie I never stayed in the apartment I was getting ready to XXXX  to XXXX. I was hurt during training so I had to stay with a friend to take care of me until I was discharged from the XXXX. I even met with the maintenance man he cleared me, laughed because he said, well this is the easiest inspection I have ever had. I never moved in, this is on my credit report for {$320.00} dollars its a con.

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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase ( Washington Mutual ) customer for 20 years and have never received such disappointing treatment as a loyal customer. On XX/XX/XXXX I went into the Chase bank in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit my income state refund check into my account and make a withdraw. After being asked several questions by the supervisor XXXX and treated as though my check was fraudulent I was told that they would have to place a hold on my check until the following morning when funds would be available. Although a little unusual because I have never had this situation with Chase I was left with no choice. The following morning I received a Chase alert via the chase app that there was a hold on my checking account. I called chase bank where my call was forwarded to the loss and prevention department and was informed that Chase has to verify my check through the IRS website but the site was down. I later called the local bank where I deposited the check and spoke with a teller at first and asked anonymously on what grounds would a hold be placed on a check. She listed several reasons of which none applied to me. I then asked her to look into my case and explain to me why a hold has been placed on my check. Upon looking she sends the call to the supervisor XXXX who informed me that the check was going to be on hold until XX/XX/XXXX because the check was presented to another bank for cashing. I informed her that is impossible because I'm the only one who has had the check and I took it straight to the bank upon receiving it. I also asked her where was the check supposedly attempted to be cashed and she could not tell me. I called chase loss and prevention a second time and was told the check was flagged by IRS saying the check may bounce. In the same conversation she informed me that the check was presented to another bank for cashing. At this point I received 4 excuses as to why a 2 week hold was placed on my check. I also asked the representative from loss prevention for something in writing saying my check was presented at another bank because now I am worried that someone is possibly using my personal information and identity. She refused to provide me a written explanation. This is ludicrous. I would think being a loyal customer to a bank for 20 years I would be treated with some decency. I do not believe my check was presented at another bank or any of the excuses I was told. I have missed payments on bills that resulted in fees it is unbelievable. I am seriously considering closing my account and banking somewhere else. I have never even written a bounced check in my life. I can not see any reason that would warrant mistreatment as a customer from a bank I've had for so long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WAFD BANK
State: AZ

Complaint narrative:
Over a year ago we started the process of building a custom home. After we closed and had already paid our down payment, purchased the land and cost to build, we were shocked to find out our first interest only payment was so high. We immedietly contacted the lender. They informed us there disclosures were misleading. Eventually after a face to face meeting, we decided to wait until our home was done being built to file a formal complaint. Washington Federal did mislead us. Not once did they ever properly disclose the proper terms and costs of the loan during the closing process. The paper work we were disclosed and signed is clear. 

{$750.00} is the max payment for year one ( first 12 payments ). This is clear on page one ( 1 ) of the disclosure we signed. For years 2-31, page one ( 1 ) does reference the Adjustable Payment table on page four ( 4 ) for an updated payment. See next paragraph. 

The Adjustable Payment table on page four ( 4 ) of the disclosure is also quite clear. At month 13 we start paying both interest and principle and the max payment not including escrow will be {$1900.00}. 

So, XXXX is correct. During the first 12 months ( year one ) we will be in interest only payments with a maximum of {$750.00} per payment. 

There is no {$1500.00} payment ever for the length of this loan. Not in year one ( 1 ), not in years 2-31. 

XXXX, please call me if you have any details that are different than our closing disclosure we signed. 


We were forced to pay terms we never agreed to. We were never given a chance to even consider if we could handle up to XXXX a month payment while we build.

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 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/XXXX CHASE AUTO  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chase Auto Loan Account Number : XXXX Balance : {$7800.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE AUTO I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX, XXXX Without Prejudice XXXX XXXX

Company response to consumer: Closed with explanation