vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting A
ct Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.

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 2017-06-19 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This complaint is about my Amex Platinum consumer credit card and a separate but related Business Platinum card, and the deceptive marketing around the use of Membership Rewards points. On XXXX XXXX, XXXX, I used " pay with points '' on the Amex Travel website to purchase airline tickets on XXXX XXXX for XXXX points, equivalent to {$470.00}. My purchase was eligible for the 50 % bonus reward because I have both the Platinum and the Business Platinum card. AmEx marketing said when I signed up for the card : " You 'll receive 50 % of the Membership Rewards points used for flights with your selected airline back. '' My selected airline is XXXX. In the past ( on XXXX XXXX ), I received the bonus the day after the Pay with Points purchase ( see attached screenshot ). However, I have not received my 50 % bonus for the XXXX XXXX purchase - 19 days ago. I have spoken with 7 different agents at AmEx and AmEx travel, including 2 supervisors. They all say I used my Platinum card ( not eligible for 50 % bonus ) instead of my Business Platinum card for the Pay with Point purchase. But that 's not true. Whey you pay with points, you use your online login to make the purchase - and my login is tied to BOTH accounts. My understanding from the website is that as a Business Platinum cardholder, any Pay with Points purchase with XXXX would receive the 50 % bonus. I have no idea why the charge was posted to my Platinum card instead of the other one - I thought all Pay with Points purchases would post to Business Platinum since no reasonable person who had both cards would use the one that is NOT eligible for the bonus. I asked if they could transfer the " purchase '' ( not really a purchase since it was with points associated with both accounts ) from the Platinum to the Business Platinum card, and they refused. They also refused to manually credit me with the points, even though they clearly have the ability to do so. This seems like a trap designed to rob people of their points. I pay {$900.00} in annual fees for this Pay With Points benefit, and it is not fair to deny me these points, which I have earned by carefully following their rules and jumping through hoops to book a flight on their website and on the specific airline that is eligible for the reward ( XXXX ). I would not have applied for and used a Platinum card at all ( business or consumer ) - and I would not have booked these particular flights - if I had known they were going to deny me my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received your letter in response to the Equifax dispute I initiated on  XXXX / XXXX /  XXXX  .   Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency.   Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Sectio n 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.    Furthermore, you have failed to provide the method of verification as required under Secti on 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA  you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consume r reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under secti on 605 or  can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following :  HIPAA Release form in its entirety allowing this third party to have complete access to me medical file sign ed and dated by me Copies of all information regarding the above-referenced debt, including detailed statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties.   Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees.   Also, please provide me with a complete description of your clients identity, including its full name, address, state and local lice nse ( s ) and state and federal tax numbers.    Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.   Copies of copies are not a form o f Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified , invalid accounts must be removed. If you are unable to provide me with a copy of the validated proof that you have on file, within  30  calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.   If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NJ

Complaint narrative:
I tried contacting the collection agency, but my certified mail was returned. I can not get in contact with the agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just received a phone call from  Wells Farg o. This is in violation of Bankruptcy law.   At   XXXX   XXXX  ., I received a phone call from this phone number :  XXXX . A woman, who initially did not identify herself as from  Wells Fargo , asked to speak with  XXXX   XXXX . I replied affirmatively that this is  XXXX   XXXX . She then identified herself as being with  Wells Fargo . I was shocked. I said that I am in active Bankruptcy, and that  Wells Fargo  is not supposed to contact me. She replied, Yes I know, that she understand s ( i. e., the Consumer Law ), but that they (  Wells Fargo ) have a right to contact me to respond to a complaint I filed to the Consume r Protection Bureau. She also notified me that the line was being recorded. She wanted stated her name, and said she wanted to give me her contact information.   I said that I have requested that  Wells Fargo co ntact me via written correspondence only. At that point, I asked her name. She stated,  XXXX   XXXX   XXXX ,  Resolutions Specialist. I asked her what the status is of Consumer Protection Bureau  complaint ( on  XXXX   XXXX , I demanded tha t Wells Fargo  halt active foreclosure proceedings ).  XXXX   XXXX  stated that she did not have an update, and did not know the status. She stated that she needed to research it.  XXXX   XXXX  stated she was contacting me to provide me with her direct contact information. I said that I do not want her contact information. I asked  XXXX   XXXX  to mail me a statement regarding the status of my complaint. She replied that she would.   End of conversation.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently got a Venture credit card from Capital One. I use credit cards a lot for my company and they were advertising the 2 miles for every dollar spent. Since I have several employees that charge corporate expenses, I went on line and ordered additional cards. I got a call today from Capital One telling me they needed further information on all the employees such as Social Security card, drivers license, etc. I told them it was too much of a hassle and to just please cancel my request for the additional cards. Since I am responsible for paying the bill I did n't want to give a lot of personal information on all my employees. I was then informed I could not use the card again until I gave them the information on those employees, even though I was cancelling the request for the additional cards. I told the representative that I would not use the card any further and went on line to redeem the miles because there was a big bonus up front. Well, they wo n't even let me redeem the miles without giving them the personal information on my employees. Even though I do n't want the cards now! Capital One is obviously trying to get information to market to my employees and are holding the miles hostage. I will never use Capital One again as I have been a client for years and always paid on time but am being treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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 — Was not notified of investigation status or results
Company: ERC
State: TX

Complaint narrative:
Upon examination of my credit report I found an item listed to  Enhanced Recovery Company in the amount of {$520.00}. I disagree with the item and so sent a letter vi a certified mail on  XXXX   XXXX  requesting validation of the debt bearing my signature. I received no response from this correspondence and so sent a follow up letter on  XXXX   XXXX ,  2017 . To date, I have still not received any response from my request. It is my belief that this failure to provide information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: LOAN TO LEARN
State: NJ

Complaint narrative:
It shows a past due in the amount of {$54000.00} on my credit report with no payments being made. I am current on my account and making monthly payments of {$55.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Investigated student loan written as " Charge-Off '' on credit report. The loan was included in bankruptcy so should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This is the second complaint with CFPB an d Caine and Weiner. My  first complaint was  XXXX .  Caine and Weiner respond ed with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Secti on 609! I  have the right to request and receive " the name of the person under which such person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request. If  Caine and Weiner  can not provide this, I want this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have a lot of injuries on my credit report that i did not approve. I placed a credit report on my name a year ago and i was suppose to be contacted if anything was being obtained in my name and I have not been contacted because I have not authorized and i need them removed. Its against the law to obtain a persons information without there permission.

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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX   XXXX  Loan #  XXXX  I want to place a complaint against  Wells Fargo  in regards to a loan modification for my subject property located at  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  with a loan #  XXXX . The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is private, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a  Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analy sis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in  XXXX  and  XXXX  of this year, and 2 times last year. Upon receiving the  Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can  be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The re entry team after an initial interview, advise me that I can be reviewed for a loan modification. After completing another review in  XXXX , they advise me that I need a lot more income that was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with  Wells Fargo,  I really want to keep my property but they keep  mis  interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. Please help me come up with a solution with this bank and save my house. I really need your 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 2017-06-19 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:
To who 'm it may concern, I am writing this dispute on behalf of Equifax. I have contacted Equifax via phone and via certified letter on behalf of XXXX unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was convined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir or Madam of the CFPB, It is my hope that the CFPB will assist in resolving the ongoing illegal activity being conducted by  Wells Fargo Dealer Services  and its agents. I have, in good faith, attempted to resolve the dispute with  WFDS  on more than  5  occasions. As of  XXXX   2017 , WFDS has yet to resolve and discontinue reporting incorrect, unvalidated, and illegal data to the credit reporting agencies.     As the attachments will show,  WFDS  continues to interfere with the health of my credit by continuously reporting erroneous information . WFDS c ontinues to misreport account standing and balance in direct conflict and in violation of the FCRA.     WFDS, directed its agents to claim the financed vehicle in question from me. I no longer have the vehicle in my possession as  WFDS  took claim to the vehicle. As of  XXXX   2017 , I have yet to receive written documentation as to the value of the sale of the vehicle, the redemption notice, the re-calucation after sale, and other pertinent legally required documentation. WFDS has been in breach of its contract obligations and credit reporting requirements.     For the last 2 years , WFDS r eports erroneous information. I am seeking assistance in ending the erroneous, harmful, and damaging credit reporting being done by WFDS and its agents. Please review the attached documentation, phone calls, and letters, to reveal the antics o f WFDS  and the struggle I have endured in ending the harm caused b y WFDS .

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