vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. 
Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Designed Receivable Solutions Incorporated has failed to provide a signed contract for this alleged account. An original contract is required as proof in the event of a lawsuit. This is a billing error and the alleged debt is not validated and in dispute. 

Additionally, 15 U.S. Code 1692c ( a ) states : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692 e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Designed Receivable Solutions has violated the FDCPA and I plan to exercise my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received via United States mail a similar attached letter from Wells Fargo regarding obtaining a personal loan. Wells Fargo 's letter stated that interest rates depends on an applicant 's ( 1 ) credit score and ( 2 ) the amount of money requested ( 5.74 % to 19.00 % ). 
On XX/XX/XXXX I applied for a personal loan of {$3000.00} from Wells Fargo Bank. My credit score in XXXX was XXXX and the amount borrowed was {$3000.00}. I did not know at the time that I had been approved for an interest rate of 13.74 %. I contacted Wells Fargo on Monday, XX/XX/XXXX, and then on the same day with a with follow-up question. I received a standard voicemail that said " they will call me back in half hour at the number on their screen and that I would not loose my place in line. '' I am still waiting in cue. I again contacted Wells Fargo on Wednesday, XX/XX/XXXX at XXXX and was placed on hold with loud music. I hung up and dialed WF and spoke with XXXX in Wells Fargo 's executive office. My follow-up question is " what is the interest rate that is given to an individual with credit score of XXXX who borrowed {$3000.00}. I find WF 's interest rate to be extremely offensive. I believe WF is offering a bait and switch. Please investigate as I believe I have been hoodwinked and overcharged by bad behaving Wells Fargo. Many thanks for 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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a letter to TransUnion in regards to a dispute on several items on my credit report. 

I received the results from Trans Union dated XX/XX/XXXX. I promptly sent a letter to Trans Union requesting the Method of Verification as was sent to them XX/XX/XXXX One of the items listed was not investigated. On XX/XX/XXXX I received a letter that one of my items was previously disputed and verified. The Debt Collect is XXXX XXXX. The original creditor is XXXX XXXX and XXXX. Back in XXXX I disputed this debt that was listed on my Trans Union report and it was removed this was a different collection agency. This item was reinserted with the same amount and the original creditor. When I contacted Trans Union in regards to this issue. I asked for the method on how they verified the debt and why it reinserted with no notice as per the law. I was told I needed to contact the collection agency on how the debt was verified. Trans Union stated they only reach to the creditor and ask if the information is true. Of course the creditor will state it is accurate and the amount I owe is true. Again, I asked how and what documents were used to verify this is information is accurate. Again, I was told to reach out the creditor on how they are stating I owe this 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 2021-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: MIDFIRST BANK
State: OK

Complaint narrative:
I am writing in regards to our mortgage company reporting late payments while in Forbearance. We entered Forbearance in XX/XX/XXXX after my husband lost his job in XXXX to COVID restrictions, the company went out of business. We began making our payments in XXXX and asked to end our forbearance. We agreed from the start to roll our missed payments to the end of our note, per the rules stated in the CARES Act. I called & spoke with our mortgage company at least every 7 to 10 days to see when our paperwork would go through ; each time the recording or team member would tell me that our home was protected by the CARES Act : it would not be reported to our credit, our home was protected from foreclosure and that you do not have to make a house payment while in forbearance. 
I received paperwork at the beginning of XXXX and much to my surprise it was for refinancing our home for 30 years at a wonderful interest rate. I called and spoke to a team member and explained that we were not interested in a 30 yr. mortgage and that we wanted what we agreed upon to begin with back in XXXX. She stated that the refinance was implemented in the CARES program to lower monthly payments and that she would put in the request to roll our payments to the end but it would be another 3 to 4 weeks until I should expect them in the mail. 
We began looking for refinancing on our home for a 10-year fixed rate because the interest rates had dropped so low. We had a credit score of 750s or so I thought, I checked our scores and they were XXXX & XXXX, I was told that until our forbearance ended that they could not begin refinancing paperwork ( CARES Act rules ) and that our credit had to be a XXXX or above and that the interest rate was higher with scores this low. 
I received our house paperwork and had to have it signed, notarized & postmarked by XX/XX/XXXX. It was done and completed. So my problem is my credit is ruined because my mortgage holder did not follow the guidelines and we have lost out on a chance to save thousands of dollars in interest on our home/farm. 
I have filed a dispute with XXXX, XXXX and XXXX on this matter and also wrote to the mortgage company about this matter.

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 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I attempted to obtain a personal loan from this company & they denied me credit. This is a direct violation of 15 usc 1691 ( a ). Them denying me my credit is extremely untimely. I may lose my apartment & vehicle because of this denied credit. I have just started a new job on Monday XX/XX/2021. And without this credit I wont have a means to go to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I submitted a dispute, several times now, because Equifax refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with Equifax. Equifax sent me a letter saying XXXX is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on Equifax. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the XXXX XXXX, my credit is bad, i have XXXX judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. Santander doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with Santander and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for Santander that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

Santander does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want Santander to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX XXXX Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this Santander tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement.

I'm attaching my requests with the AG of Indiana 's office and the Judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I received {$340.00} in fees from my Navy Federal Credit Union bank account at this time I was in the hospital and I have been there for two weeks fighting XXXX apparently XXXX tried to charge my account multiple times in a day for a {$11.00} charge So Navy decided to charge me {$340.00} in fees for my XXXX transaction meanwhile Im in the hospital had a respirator on because I cant breathe I didnt have time to cancel whatever auto pay stuff I had going on at the moment now I get out the hospital and I called him about it and tell him the situation they didnt really care too much they reimbursed half of it so far - {$11.00} charge I basically had to pay {$200.00} meanwhile Im not working because Im in the hospital I had also lost my job and money is extremely tight in this company didnt even call me or anything to notify me hey your accounts going negative a transaction keeps coming through we keep allowing it but it keeps getting denied and were just gon na keep charging you fees no message was ever sent or an attempt to notify a customer especially in a time of a pandemic every XXXX counts and Navy at this point just feel like theyre taking a vantage on top of that today on XXXX XXXX I called again because I had available money in my account from my phone bill to come out I seen it with my own eyes the next morning I wake up the transaction was denied and they charge me a {$29.00} insignificant funds fee so I call and say why did this happen because I physically seen available credit in my account when the check was coming through and now all the sudden you guys denied my check you guys charge me a fee and now my phone bill companies also charging me a fee the money was available but it was also pending but on the top of the screen still showed available credit with the correct amount needed to cover the bill the lady tried to tell me oh if its pending the money is not available to spend why would they put it next to the available funds box showing how much is available including my check is deposited the lady on the phone had a horrible attitude didnt want to help I explain multiple times that you guys just keep scaring me with these fees and it seems like this account is just for you guys to make money and XXXX the customer and you dont want to help at all nor notify the customer about anything you guys just dont care and not only is it XXXX as a consumer it also affecting my livelihood and I would like just reimbursement for my fees that I got money is already extremely tight and my own bank is making it worse against me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This was identity theft and the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I called to cancel flight morning of Sat XX/XX/XXXX -- case XXXX # XXXX -- she clearly said I would receive a credit voucher for the flight to be used a year from original booking date. With that, I altered my plans. 

Monday the XXXX, I receive email that no, nevermind, you don't get anything. 
I called that day or shortly there after to XXXX XXXX # XXXX and she said I was given bad information on XX/XX/XXXX. 

a ) if I knew I wouldn't receive anything after cancellation, I may have kept the flight b ) your website as of writing this XXXX XXXX  Central XX/XX/27 still says I have credit to use, so you are providing conflicting information. even your chat leads me to believe I have a credit. 
c ) you are getting away with no accountability to your mistake. how was I to know you could reject what she told me days later? 

all I ask is to be given correct information or made right if there is a mistake. and an accurate website. 
thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Hey so theres like 14 unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my 2 credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud

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 2021-10-27 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: Global Lending Services LLC
State: NC

Complaint narrative:
Hey so theres like 14 unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my 2 credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish XXXX shopping. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This was identity theft and the debt is not mine.

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 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today I attempted to set up automatic payments for my mortgage. After selecting my mortgage account and immediately upon selecting " Set up automatic payments, '' Chase 's website reported the following error : " One of the accounts you're using isn't eligible for this transaction. Please choose a different account. ( Error code : XXXX ) '' I contacted Chase mortgage by telephone and reached someone who would only identify herself as " XXXX. '' She told me she would call me back in a few minutes after she found someone who could help figure out the problem. I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase ( Amazon Credit Card ) is refusing to re-open my dispute that I had with a company selling counterfeit items and not shipping all of the product advertised because it has been past 60 days. 

The transaction date of the purchase was XX/XX/21. 
I filed my original dispute with Chase against XXXX on XX/XX/21 because the product didn't arrive. 
I contacted XXXX that I wanted a refund as soon as the order arrived on XX/XX/XXXX because not all of the item was received and it was counterfeit. I waited to hear back from the company and did not receive any word so I filed another dispute with Chase on XX/XX/21. Chase would not dispute the charge because it had been 60 days even though it was out of my control.

I am requesting my {$440.00} back.

Below is the Order information : Seller : XXXX - ORDER # XXXX Order summary : XXXX Infant Car Seat Stroller with Base 1 Nitro Black {$390.00} Subtotal {$390.00} Shipping {$49.00} Taxes {$0.00} Total {$440.00} USD Shipping method Express Priority Tracked Shipping Payment method ending with XXXX {$440.00}

Company response to consumer: Closed with explanation