vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX  never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and HJR 192 relieved me from debt, since it's public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using XXXX XXXX, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and XXXX XXXX relieved me from debt, since it's public.

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 2018-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
i have contacted them about reporting a debt of {$600.00} on my credit report and why and who are they and they state that i had account with them for a company named XXXX XXXX XXXX XXXX. i don't have a company call that nor do i own or run a company. i have sent all for there credit bureau numerous 609 letter to investigate this back in XXXX and they sent me back a paper stating it was a valid account i also sent them numerous 611 letters and still cant get anything showing that this account was indeed valid. i have been get threatened phone calls stating that i will be arrested and sued and there are going to continue damaging my credit report, they have humiliated me in every way possible by called my job and also my family letting them know about this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC

Complaint narrative:
The Ace Cash Express Located at XXXX XXXX XXXX XXXX  Washington DC XXXX needs to be investigated by the Local Police Departments or the Federal Trade Commission in Washington D.C. because some of the Employees that work for Ace Cash Express is Charging Customers XXXX Dollars or more money to Load Money on there XXXX XXXX  XXXX XXXX Visa Debit Card the real fee for Loading this XXXX XXXX Visa Debit Card is XXXX Dollars but when Customers Load Money on there Visa Debit cards at other Locations in the Washington  DC area the cost is XXXX dollars to Load some money on your visa debit card the same thing might be happening at other Locations besides XXXX XXXX XXXX XXXX Washington DC XXXX and other Criminal Activities at other Locations but Ace Cash Express needs to be investigated by Local Authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank Of America because I went to XXXX and they had told me the charge didn't go through and my charge still went through. I called / went to XXXX XXXX XXXX  and they couldn't help me. I called and filed a chargeback through Bank Of America over this situation and they got back to me with a denied chargeback. I then sent in much more documentation with a clear explanation of what happened and a signed letter in time for them to continue my dispute. It got denied a secondary time with Bank Of America after I sent them those documents because they claim I need a credit receipt. I spoke with XXXX   and they told me that it didn't matter if it was face to face or online, the merchant must say something like all sales are final. This merchant told me after the fact that all sales were final on alcohol and they couldn't take it back. This was never disclosed and the merchant failed to prove it was disclosed. As per XXXX   chargeback guidelines, " The merchant failed to disclose its refund policy at the time of the transaction and is unwilling to accept a return or cancellation of goods or services ''. Which this is true and Proof of an improperly disclosed in-store receipt. Bank Of America has the improperly disclosed receipt in their posession and it is clearly not signed either. All merchants make you sign for transactions over 100 dollars in person. The XXXX guideline also reads " Merchants that are unwilling to accept buyers remorse returns and cancellations or that want to have special terms including ( but not limited to ) restocking fees or in-store credits, must disclose these terms at the time of the transaction. The cardholder must be informed of the refund policy prior to completion of the transaction at the point of interaction. Failure to disclose a refund policy will result in the merchants requirement to accept the goods for return and issue a credit '' This is also true,

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 2018-04-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing this notice regarding a 30-day late payment that Chase Bank is reporting on my XXXX XXXX  and XXXX  credit report for the month ofXX/XX/XXXXXX/XX/XXXX. This is truly sad that I must use the services of CFPB to assist me with with an issue that I am having with Chase Bank, however after speaking with them numerous times, and written them they are not truly understanding the real story of my dispute. OnXX/XX/XXXXXX/XX/XXXX my mother lost her house due to the California Wildfires that occurred throughout the months of XX/XX/XXXX throughXX/XX/XXXX throughout the entire State of California.

I live 50 miles XXXX of the City of XXXX XXXX and had to drop everything I was doing to comfort my mother as she witnessed her house that she lived in for the past 37 years burn to the ground. I have no siblings and lost my father at the age of XXXX.

If you could only imagine dropping all your responsibilities to be with your loved ones in the time of absolute need and forgetting about everything as reality stares you in the face.

At the time of consoling my mother I did not think for a moment about my finances, employment, my wellbeing. The only thing that was important was my mother, her health and all her lost possessions completely destroyed in the fire. I stayed in the XXXX XXXX XXXX XXXX for a week forecasting the future for my mother, her displacement, medical needs and everything else an XXXX year old XXXX mother must due on day to day basis.

When I had learned about the 30 day late payment that Chase was reporting to the credit bureaus I panicked and immediately phoned and wrote them the attached letter which to this day they still have not responded to. The representative I spoke with could care less about my personal situation, my mother or even the wildfires that distroyed hundreds of homes. The representative went on to tell me Chase Bank is following the law and if I had automatic monthly payment set up this would not have happened.

I have worked extremely hard to maintain an excellent FICO credit score, I work hard and take care of all my responsibilities and live a normal life. I am shocked and appalled that Chase Bank is taking this position to report the 30-day late payment which is now costing my several thousands of dollars in interest as I attempt to purchase my first home and the lender will not give me the interest rate that was agreed to prior to the 30-day late payment being reported.

I am happy to say my mother survived the fires, however she is scarred for life of all the wonderful memories she had living in her house. She is now residing in an XXXX XXXX XXXX and will remain there as there is no need for her to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
Because my husband passed away onXX/XX/XXXX and because we had made an over-payment on our Discover account, I spoke with Discover mid-XX/XX/XXXX advising them to cancel account and to send a check for the credit amount of {$430.00}. I have called numerous times and they are in agreement that they owe me the {$430.00} amount, but still as ofXX/XX/XXXX have sent no check. They obviously are holding on to MY MONEY as long as possible.

Since they would have charged me interest, if I had owed them the money. They should rightly pay me 3 months interest on their late payment of my money that they are holding. Every phone call to Discover ends in them telling me that they will send the money, but I have yet to get a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Something doesnt seem right about the way my student loan has been handled. I borrowed {$1800.00} and have repaid {$1800.00}. I have called multiple times to settle the balance of late fees and interest. I was told that I could settle the balance for {$400.00} and then told I still owed {$1000.00}. I have made multiple attempts to work with Wells Fargo and feel that they have been inconsistent, deceptive and dishonest.

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 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
Contacted XXXX collection and requested copy of bill from XXXX XXXX XXXX. Numerous requests and never received bill or anything regarding date of service or services performed. Contacted XXXX XXXX XXXX and was told they XXXX had sold the account on XXXX XXXX   2017, and as far as they are concerned, this account is closed and XXXX now owns the debt. I have insurance that could possibly pay this bill, but without any proof of services performed, by what XXXX, nothing can be done. All credit agencies have removed this account with the exception of 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 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Please see complaint # XXXX ; We have received your response on behalf of Mr. Cooper, our loan # XXXX. The modification documents were reviewed for fairness and proper financial structure and it was determined that the most common and basic modification using 31 % of gross income and no other liabilities or circumstances were considered. As such, modification document signatures are being completed and forwarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: FORD MOTOR CREDIT CO.
State: IA

Complaint narrative:
Ford Motor Credit, Co. XXXX XXXX XXXX XXXX  NE XXXX  Account : XXXX  Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX  1. ) This account, opened in XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXXthru XX/XX/XXXX timeframe. 2. ) XXXX XXXX  was enrolled in XXXX XXXX  at the XXXX XXXX University of XXXX ( located within the XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. We have provided a signed statement from that institution ( Figure A ) which confirms this. 3 ) XXXX XXXX has, at no time in his life, held a drivers license from the State of Virginia. We have provided an attached Identity Theft Criminal Report ( Figure B, Analysis ) by the XXXX County Police ( Iowa ) in which their investigation, and subsequent contact with the XXXX  County ( Virginia ) Police and the Virginia Department of Motor Vehicles confirms this. Further, the only drivers license ever valid for XXXX XXXX  has been issued and maintained in Iowa since it was issued in XX/XX/XXXX. Further, the Virginia Department of Motor Vehicles confirms that no vehicle has ever been registered using the Social Security Number of my client. 4 ) The address provided to and reported by the Ford Motor Credit Company is one that XXXX XXXX  has never lived at. We have provided signed documentation from the management company which proves this fact. ( Figure C ). 6 ) The Ford Motor Credit company failed to respond in any measure to the Cease and Desist notice registered with the XXXX  Court of XXXX  County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of the Ford Motor Credit Company to comply with : Part 681.2 of Title 16 of the Code of Federal Regulations, also known as the Red Flag Rule.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
SOUTHERN MANAGEMENT SYSTEMS IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

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 2018-04-10 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: Early Warning Services, LLC
State: TX

Complaint narrative:
OnXX/XX/XXXXI filed a dispute with XXXX XXXX XXXX on some information I saw on my consumer report. On XX/XX/XXXX, I received a letter stating the information was verified and nothing would be changed. I called in because my request to them stated that I had no knowledge of these accounts and they need to send me whatever documents that they verified their reporting with. Instead they sent letters basically saying it's been verified without the proof that's required according to the FCRA.

XX/XX/XXXX I called in and got a rep named XXXX  who told me that they have no right to see any documentation from the banks, " they just report it! '' He went on to tell me I should instead call the banks. I told him that I did have plans of contact the banks on the report, but as a CRA XXXX XXXX XXXX  was supposed to not only see signed documents prior to reporting this false data, but they were also supposed to be able to provide in the event of a dispute.I realized that he didn't really understand the severity of what he was admitting on that recorded phone call so I asked for a supervisor. He told me that a supervisor was not available at the moment and I told him I could hold. He said I could hold and ended the call.XX/XX/XXXX I called back in to EWS got a rep named XXXX. When I asked her for a supervisor she offered to help me in attempts to deescalate the call. She was more crafty than XXXX with her wording, but offered the same option to contact the bank directly because " they have no business seeing things between me and the bank ... they only report it. '' It seems that's all they train their reps to say.

So hear I am to file a complaint in hopes of getting these accounts that were started without my knowledge off of my XXXX XXXX XXXX  consumer report. It is unfair and unlawful to report inaccurate information that has such great impact on consumers. I am asking that you not only intervene to make XXXX XXXX XXXX  investigate the accounts they report and obtain verifiable proof, but to also make them aware of what federal laws apply to them as a Consumer Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: AL

Complaint narrative:
i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: AL

Complaint narrative:
i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY

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 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Global Media, Inc.
State: CA

Complaint narrative:
I applied for a loan online middle ofXX/XX/XXXX I was contacted by XXXX and I was approved they sent me {$200.00} they wanted me to get a gift card and give them the info back I did then they told me their computers went down I needed we did it the next day sign a check for {$970.00} did the same thing then they pulled the checks now I get texts from them

Company response to consumer: Untimely response