vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have spoken to navient about contacting random people on my social media regarding my accounts. Today they contacted my former brother in laws ex wife who I have zero contact with. She is not listed on any of my loan records and the only connection we have is through social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2020 To Whom It May Concern : I had a Company Sponsored 401k account with Wells Fargo Retirement. After losing my job I called in and filled out the paperwork to roll out my funds. I paid extra for the check to be XXXX XXXX. The check was supposed to be here on the XX/XX/XXXX. The XXXX XXXX tracking shows the letter was delivered but I did not get the package. I looked at my Security Camera and the only package that day was a box no letter. I called on XX/XX/XXXX and the call was recorded so please listen to that call. I have been under a great deal of stress and have tried to deal with this issue the best I can. A stop payment was put on a check. I was told to write a letter to your Retirement center but the address was so long that I have having a hard time writing down the address. I told the rep I was so upset that I was having XXXX XXXX feelings and needed him to email me the address. That was not possible so he offered a Fax Number. I was told to just write a letter that says I did not get the check. I was told the letter had to be notarized. Under Covid 19 here everything is closed or barely open. I called my Bank they are closed to the lobby and suggested a pack and mail or XXXX  store. I went running out of the house to the XXXX store and XXXX later faxed a letter to you that was notarized. I have the confirmation that the letter was faxed by the XXXX store which I had to pay for again. I was told the letter would be scanned in as short as a few hours or it could take a day or two. 
Today, XX/XX/2020 I called after giving it a day for my letter to be scanned into the system. I was totally blown away, the letter is not what you NEEDED from me. Rather you sent me a form? I am so upset and in utter dispair as this time. I dont know what to believe. Each time I tried to call Wells Fargo it takes a min of 45 mins and most times you tell me to wait for a call back. I usually have to set aside two plus hours to deal with this issue. Today again 45 mins later, I am told a totally different process I am waiting for a manager to call but again it may take a few days.

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 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I received a " Derogatory Mark '' on XX/XX/2020, on me credit report from " MIDWEST RECOVERY SYSTEMS '' for {$98.00}. It says the original creditor from credit karma is " XXXX XXXX XXXX XXXX '' I have paid all of the bills that I know of from XXXX XXXXXXXX XXXX. I never received anything in the mail and got no notifications related to this, so I don't what it is for. The company info is below, MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I went into my local dealership to purchase a vehicle. Upon arriving the dealership informed us that they have someone that can help us obtain a loan. During the paperwork we were told that our rate was going to be XXXX point something percent. We agreed and stopped our process of obtaining a loan with other financial institutions. The date we went to sign all the papers and pick up the car we were told as we are signing the papers that the loan is 8.5 %. We were surprised and tried to renegotiated but they told us that things change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus. 
After reviewing my report, I noticed The Bureaus INC was reporting, negative and erroneous items to the credit bureaus. The Bureaus INC actions have negatively impacted my personal credit report. 

On XX/XX/2020 I sent a Validation letter to The Bureaus INC ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to The Bureaus INC Tracking # XXXX ( Tracking Information Attached ) In XX/XX/XXXX I received a response letter from The Bureaus INC. 

In the Validation Letter that was sent to The Bureaus INC, I stated that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing The Bureaus INC response letter, I noticed that The Bureaus INC didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws. 

Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

So, I went to the Texas Secretary of State website and entered The Bureaus INC name and address. 

I also went to Collection Agency Licensing website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that The Bureaus INC has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. 

FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. We can clearly see that The Bureaus INC had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
When the COVID19 nonsense started I reached out to my local branch when creditors took payments they said they wouldnt and I was told by my banker that there was no problem getting all my fees refunded but it was a process due to the pandemic and there was no limit on the amount of fees but they had to submit it - well that took soooo long that I got more fees and while they temporarily refunded my fees when I got my stimulus - they took them all back around {$450.00} worth - I want my fees permanently refunded - no temporarily refunded like they did. The local branch is closed still or Id go in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE REMOVE!!!

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 2020-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received notification of a new debt collection on my credit monitoring service. I never was given the opportunity to dispute or verify if debt belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/2020 we started receiving notifications that our credit rating was lowered due to a bad report by Credence Resource Management on behalf of XXXX. I contacted XXXX XXXX XXXX XXXX and they have no record of us having a XXXX account. Have contacted credit reporting agencies and filed a dispute on the false claim by Credence Resource Management. Our town does not have XXXX or XXXX XXXX XXXX landline service. We received blind call ( Numbers only as caller ID ) today and normally we don't answer these calls. Turned out it was a caller from Credence Resource Management. When I told him that XXXX XXXX XXXX XXXX was not available in our area, he would not discuss and hung up. These folks have messed with a great credit report and should fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE REMOVE!!!

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 2020-06-04 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: AR

Complaint narrative:
PLEASE REMOVE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: VA

Complaint narrative:
Equifax ; XXXX and XXXX  should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}

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 2020-06-04 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: TN

Complaint narrative:
This complaint involves XXXX XXXX XXXX XXXX Account XXXX. This account is found on my EQUIFAX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, Equifax and XXXX have removed this account, with prejudice, from my credit report. A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: WI

Complaint narrative:
I was notified by a relative that they were contacted by Jefferson Capital. When they answered, it was a robocall and said " This is a debt collector and looking for XXXX XXXX " Also, I have been receiving calls from them impersonating a different elderly relative. I believe they are scamming and phishing. On the callerid it shows a relative name and when you call back. It is a robocall that says, " This is a debt collector. '' They have been calling daily and repeatedly. 

I have the right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

I am willing to forgo the legal remedies I may have, including a lawsuit in small claims court seeking punitive damages against you and the agency, in exchange for your written promise to permanently cease all efforts to collect this debt and remove all negative entries regarding this debt from my credit file. I expect to hear from you immediately. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. 

I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. 

I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: VA

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-04 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: VA

Complaint narrative:
XXXX ; Experian and XXXX   should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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