vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$12000.00} -This is not my account.

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 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please 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. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

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 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peoples Commerce Inc
State: MD

Complaint narrative:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please 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. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
XXXX XXXX  and Monterey financial are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please 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. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nextep Funding LLP
State: WA

Complaint narrative:
Nextep funding  and XXXX  XXXX  are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nicholas Financial Inc.
State: MD

Complaint narrative:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please 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. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please 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. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: MD

Complaint narrative:
I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED, and US DEPT OF ED. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

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 2020-01-31 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: NY

Complaint narrative:
EQUIFAX VIOLATES SECURITY FREEZE LAW. LAW DIRECTS EQUIFAX TO SET UP A SECURITY FREEZE. I ASKED EQUIFAX TO SET UP SECURITY FREEZE. BUT EQUIFAX WROTE ME IT REMOVED THE FREEZE. BUT MY ADDRESS WAS WRONG. I NEED IMMEDIATE FREEZE VERIFIED BY A COMPLETE CREDIT REPORT FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX XXXX 's response to Discover. Did letter of XX/XX/XXXX represent both disputes? One ''Dispute of Liability '' in XX/XX/XXXX in XXXX Circuit Court -Judge has not given decision yet. 2nd Dispute made by XXXX XXXX to Discover in Utah office concerning over 30 unauthorized charges on XXXX 's Discover account by XXXX XXXX Law Firm of XXXX XXXX, Fla. 
The balance charged off is not valid as Discover said. The balance should have been a negative balance in favor of XXXX. 30 unauthorized charges ( {$47000.00} plus ) need to be removed plus about the same # of overpayments in amount of over {$8000.00}. which results in negative balance ( over - {$55000.00} ) that Discover owes XXXX.

Sending copy of letter of response to Discover by XXXX   and copy of list of unauthorized charges to CFPB, Credit Bureaus. Hopefully, CFPB will require Discover to provide proof and evidence concerning his investigation of unauthorized charges as XXXX requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX   XXXX , XXXX XXXX , and XXXX XXXX . 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

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 2020-01-31 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
I reached out to Fortiva credit card contacted them about a account that was opened in my name which I never gave permission to or authorized it in any way. I called them filed a dispute and they told me it would be take in care of and removed off my credit report within 90 days. They lied to me and constantly call me threatening to ruin my credit that my life is ruined they constantly do this to me. Date was in XX/XX/2019. Amount for {$1000.00}. 

Also selling my information to thrid party creditors is illegal and a criminal act and I want all my information whipped away that is on my 3 credit reports that are lies from the card companies that placed derogatory remarks. I've contacted the 3 credit bureaus and filed complaints on the mistakes that they placed no response no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX , US DEPARTMENT OF EDUCATION , US DEPARTMENT OF EDUCATION , XXXX XXXX, and XXXX XXXX. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CA

Complaint narrative:
I applied for the Chase Freedom Unlimited credit card, directly from the Chase website, and it offered a {$200.00} welcome bonus after spending {$500.00} within the first 3 months of card opening. I applied and was approved for this card on XX/XX/XXXX. I spent well over the {$500.00} required to receive the bonus. I waited patiently and never received the welcome bonus. Finally on XX/XX/XXXX I called and spoke to a representative who said that was not a part of my offer. I replied that it most certainly was and that was the biggest reason I applied for the card. I asked to speak to a supervisor, I spoke to XXXX in XXXX, who stated that she could not find the code attached to my approval saying I would receive the {$200.00} bonus. I was able to obtain screenshots from XXXX that show that Chase was indeed offering the {$200.00} welcome bonus between XX/XX/XXXX and XX/XX/XXXX. I applied and was approved on XX/XX/XXXX so I fall within this window.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I had three credit cards with Barclays. An UBER card, an XXXX XXXX card, and an XXXX  card. The UBER card is the only one I had been using and it was the main credit card I used on a daily basis. In late XX/XX/XXXX, I got a letter from Barclays saying they had closed my XXXX XXXX card due to inactivity. So I went online to see what was going on and found out they had already also closed my XXXX card. Now this was a big deal to me because the XXXX card had rewards on it worth over {$1000.00}. So I called Barclays customer support the next day and ended up having to talk to a manager. The only thing the manager told me was Barclays could close my credit card without notice for any reason. And as much as I tried to get her to comment on the rewards I had, she would not comment on them. Then I notice in Barclays terms and conditions for the XXXX  card that they had a mailing address set up for customers who wanted to make a formal complaint. So I wrote a letter and mailed it via USPS certified mail. Ive been waiting for over a month and have not received a response. 

The letter I sent Barclays is attached. It includes more detail such as the fact that I was checking the Barclays web site every month using Barclays mobile app for the XXXX. And even after Barclays closes your credit card, there is no notice in the app that the card has been closed. The card account just shows up completely like a normal account. So there was no way for me to realize the card had been closed. Ive got screen shots of Barclays XXXX app included in the letter that shows this. And there is an XXXX  card account statement included with the letter showing the amount of rewards I had in that account. 

The USPS tracking number for the letter I sent Barclays is XXXX. If you check the USPS web site you can see I mailed it XX/XX/2019 and Barclays received it XX/XX/2019.

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 2020-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
aHello, I have student debt with FedLoan Servicing, the agency with whom I had to enroll to be in the PSLF ( Public Students Loan Forgiveness ) program. My account # is XXXX. FedLoan has been extremely poor in all aspects of their management of these loans, but the primary concern is that they continue to make inaccurate counts of my qualifying payments towards the PSLF program. I had a hand count done in the past showing each individual payment that counted and those that did not towards PSLF. FedLoan denied many of these payments saying that they were several cents from the full billed amount. I provided them with records from my previous servicer, XXXX XXXX, showing that these payments had in fact been paid in the full billed amounts at the time, and I have requested a recount. FedLoan has ignored my many requests for another hand count, and they have ignored the records that I supplied to them. They sent me a bill due in XX/XX/XXXXof last year, and I paid it when the bill became available in XX/XX/XXXX. They  considered that " paid ahead, '' and now they are telling me I am in " paid ahead '' status because I paid that bill directly through their website a few days early. These are completely their errors, all of them, and they can not be relied upon. I would like an outside agency or ombudsman to count my payments individually using the records I provided, since FedLoan does not manage their own information in any accurate way. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: Source Receivables Management LLC
State: CA

Complaint narrative:
When I transferred from XXXX to XXXX  I was not under contract and there was no balance owed. I filed a dispute on XX/XX/2020 with XXXX  with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is an amendment to my earlier complaint ( complaint id # XXXX ) in which Wells-Fargo changed the terms of the refinance request. When I filed my complaint on XX/XX/2020 I had already told the mortgage agent to cancel my request, refund my money and " do not do the deal '' because he was changing the terms of our loan request. Never the less-on XX/XX/XXXX, at XXXX, CST, not only did Wells-Fargo go ahead and lock me in for an interest rate and term I NEVER approved, then they willfully and unlawfully charged my credit card for the cost of forcing a loan on me that I neither approved nor wanted. I have since had to file a disputed claim with my credit card company ( ironically, Wells-Fargo ) against a fraudulent company charging my credit card-which in fact is Wells-Fargo. I called the Wells-Fargo representative four times yesterday to get satisfaction to this matter but have received nothing to date.

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 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My 7/1 adjustable rate mortgage was transferred to NewRez Mortgage XX/XX/XXXX. The previous service provided adjusted my rate for the first time on XX/XX/XXXX up .75 % to to 4.5 % based on the original loan terms. The previous provider based their adjustments on the LIBOR index. 

I have called NewRez several times to understand how future rate adjustments could occur. Most mortgage market indexes have trended downward, NewRez has not responded to my inquir

y on 1. how rate adjustments occur? 2. what is the current state of adjustable rate mortgage? 3. how can I initiate a rate adjustment to lower my interest rate? 4. what in
dex does NewRez base it 7/1 Arms?

Please advise. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I opened a account with Personal Finance in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted personal finance company on XX/XX/XXXX they stated it would be removed from my XX/XX/XXXXand XX/XX/XXXXbureaus but it has not yet been deleted.

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