vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am writing in regards to an old XXXX Loan that I received in XX/XX/XXXX. This loan was transferred to Wells Fargo and from there the problems began. When I signed my contract with XXXX it stated that I had either 180 days after the time I graduated or no more than 5 1/2 years after the Disbursement date to start repaying listed in the contract. I signed the contract with XXXX in XX/XX/XXXX. Wells Fargo violated this contract by attempting to collect it in XXXX while I was still in school and under the 5 1/2 years deferment period. According to the 66 month term while in school they should have not started to try to collect until XX/XX/XXXX as that is 66 months or 5 1/2 years after disbursement. Wells Fargo was unwilling to  work with me to help get my account straight and was a nightmare to work with. They have recently charged off my account and I want them to remove the Charge off from my account as they violated their own contract by attempting to collect prior to the date specified in the contract. I am in possession of the contract that has this language in it.

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 2020-01-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by XXXX XXXX XXXX seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name FCI Lender Services , Inc XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely 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 2020-01-28 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: DC

Complaint narrative:
I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.

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 2020-01-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied American Express XXXX Rewards card and got approved with XXXX openning bonus points. I met the spending amount of XXXX dollars in first three months but was told i was not eligible for the openning bonus. AMEX representative told me i was notified but i have absolutely no idea. It was such a disgrace for a big company like amex to treat customer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
It all started with my interest to refinance my mortgage with NEW AMERICAN FUNDING ( NAF ) in XX/XX/2019 but just died when my Sr Loan Officer, Ms XXXX XXXX no longer responded to my inquiry regarding my mortgage insurance. Then on XX/XX/2019, I got a credit alert that NEW AMERICAN FUNDING ( NAF ) and XXXX XXXX processed hard inquiries without my knowledge or approval. This has affected my credit score! I immediately sent out an email to NAF Sr Loan Specialist, XXXX XXXX, the manager of Ms XXXX, to help me understand why I got these inquiries as I never gave authorization to pull my credit report. She NEVER responded. On XX/XX/2019, I then called NAF Customer Service and was referred to CS Specialist XXXX XXXX, for assistance. I forwarded all supporting documents to help with his investigation ( see attached ) thru email. Despite all the supporting documents forwarded to Mr XXXX and my repeated follow up on the status of my case, on XX/XX/2019, Mr XXXX finally responded only to verify if my main concern was due to the recent inquiry that occurred on XXXX. Very disappointedly, I responded on the same day, repeating as to why I am reaching out to them is because I am disputing the hard credit inquiries they posted without my approval. On XX/XX/2019 I received a call from NAF Sr Loan Specialist XXXX XXXX and she CONFIRMED SHE MADE AN ERROR WITH HER INQUIRIES. I asked Ms XXXX to remove the error immediately and she acknowledged. The next day, XX/XX/2019, I emailed Mr XXXX to follow up and ensure that Ms XXXX will FULFILL HER COMMITMENT TO REMOVE THE INQUIRIES. After several follow up, I kept receiving the same responses from Mr XXXX that they will contact XXXX XXXX to have the hard inquiry removed. To this date, I still have not received any confirmation that my request has been completed. They admitted the error but no correction is being done despite my repeated follow-up request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled my credit report in the fall of XXXX. Since then I have been disputing unverified accounts on my credit report with TransUnion. TransUnion has not been of any assistance, even failing to respond to my dispute letters, twice. 

XX/XX/XXXX : Sent letter disputing unverified accounts on my credit report XX/XX/XXXX : Sent letter asking for deletion of unverified accounts since TransUnion failed to respond within 30 days allotted according to the FCRA. 

XX/XX/XXXX : TransUnion responds with letter stating that nothing was deleted from my credit report. No mention of its FCRA Violation.

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 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates purchased old alleged debt back in XXXX that contained factual errors. Out of greed and arrogance, ignorance and incompetence they ignored the OCC. XX/XX/XXXX guidelines on purchasing unverifiable, inaccurate and unsubstantiated debts. Parked these debts on my credit reports in XXXX. Reported these asserted debts as opened and as collection accounts after the SOL dates for legal collection thru the courts had expired. I have disputed these alleged debts and have tried for the last 2 years to get them to provide legal validation these debts are mine and I owe the amounts they claim and are reporting to the credit agencies I owe. I have asked the credit bureaus to investigate and they have claimed the accounts were verified, and certified as accurate. I continue to dispute their reporting and asked for their methods that determined these accounts were accurate. PFA has never sent me anything that provided legal validation. They have continually updated these accounts monthly since XXXX. Their reporting as been very harmful and detrimental to my credit scores by having collections on them. I don't know what else to do. How can they continue to report to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They did not send me any emails or letters in the mail to the correct address to verify the attempt to collect debt.

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 2020-01-28 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I received a letter from XXXX XXXX XX/XX/XXXX stating that owed an original creditor an amount. The letter stated that I needed to contact the firm. That the amount stated is delinquent & owed. That there have been no indications that I have made any payment arrangements to resolve the matter. The letter stated I had 30 days to dispute the validity of the debt. On XX/XX/XXXX reiterating the same rhetoric and language. I responded to the letter with my own letter on XX/XX/XXXX in which I disputed the validity of the debt. I requested that they provide me with validation of the debt as well as other remedies required of them by law. On XX/XX/XXXX they responded with no validations and further threatened to sue or litigate matter if I did not provide full payment within ( 10 ) days, together with any court costs, attorneys fees, and other fees which may be incurred. They requested that I call them immediately to theyre office or face legal actions after I requested in writing to communicate only thru writing.This law firm is unprofessional in its conduct concerning this collection matter. I have consulted an attorney and was advised to file this complaint to aide in our defense should litigation occur. I will be responding to theyre most recent letter of XX/XX/XXXX. I will include the all the correspondence between us for your preview. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I have a apple credit card from Goldman Sachs. In XXXX I made a purchase from Apple.com using this card. In XXXX I returned the products and Apple refunded me in full amount. When I made the purchase, I have 3 % reward cash from the credit card. When I got the refund, Goldman Sachs took back the reward cash. 

Now I have a balance due on my card, whose amount is exactly the 3 % reward cash. I called the customer service asking why. The representative told me that the balance was the reward cash issued to me and I need to pay it. However, Goldman Sachs already took the reward cash back when I returned the products. They still asked me to pay for it. 

I made a purchase using the card, then got the reward cash. Several days later I made a return and got the refund. The credit card company took back the reward cash. Now they are asking me to pay for what they already took back. In other words, I made a purchase and then made a return, got nothing, but still need to pay for the reward which they took back. 

This is definitely not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2020 XXXX I have the federal right to as consumer to see the report trail from the ( 1 ) bank to ( 2 ) e-Oscar to the ( 3 ) credit bureaus. This is not a duplicate. The last time I gave you the Experion false report fabrication as well as the real thing from the bank. Someone short attention span XXXX Decided to run a diversion so my lawyer is going to take this as a  civil right violation. And being a federal lawsuit from the state of Maryland. because yall are closing the case without relevant answers. You guys are not undermining my intelligence. This time by law of the state of Maryland I need to see the name person handling this report.

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 2020-01-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by Wells Fargo Bank seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX, XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely 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 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A.
State: WA

Complaint narrative:
Hello, On XX/XX/2020, I received credit cards ( in my name ) from PNC Bank and XXXX XXXX. I never held any accounts at either bank nor did I apply for any credit card with either of those banks. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: Capio Partners, LLC
State: FL

Complaint narrative:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.

I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.

In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will  proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.

Company response to consumer: Closed with non-monetary relief