vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received your letter in response to the Equifax dispute I initiated. Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer  reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers. Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it. Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems did not present a contract ( VERIFICATION OF DEBT ) as requested. National Credit Systems -- claimed they will send me verification documents but I have yet to receive anything verifying the debt.Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened the XXXX XXXX XXXX XXXX XXXX with Chase on XXXX XXXX XXXX. I had some trouble getting my cards, so the effective date that I started to use my card was XXXX XXXX XXXX, which is a couple of days after my replacement cards arrived. <P/>On XXXX XXXX XXXX, I paid the annual fee of {$95.00} and was hoping to take advantage of the promotion to earn XXXX bonus miles by spending {$3000.00} in the first three months. As this was a new card and its due date was different from my prior XXXX, I let the first payment date slip by accident. The first payment was due on XXXX XXXX XXXX. Therefore, I was charged interest and late fees for the first month the account was open. The total amounts of fees and interest are listed below. I also incurred additional fees and interest on XXXX XXXX XXXX. <P/>As for the promotion, I failed to meet my minimum requirement, so a large benefit from opening this new account was lost on XXXX XXXX, according to my discussion with the Chase representative on XXXX XXXX. In other words, I lost 21 days of the 90 days of the promotion by simply not having cards that I could use. When I called to see if this period could be extended, the Chase representative told me no. When I called back to cancel the card, the new Chase representative told me he could extend the time, but only until XXXX XXXX. Funny how things change when they think you are going to eliminate their opportunity to earn more fees. <P/>I 'm also disappointed that when I asked to cancel the card, all Chase representatives told me that they could not refund me any of my annual fee. Not sure how they can believe that they are entitled to the full amount of this ANNUAL fee as I only used the card for three months. XXXX XXXX has always returned the prorated portions of annual fees to me. I 'm confused as to why one of the largest banks in our country would not do the same. <P/>I am also willing to concede that the late fees and interest charges were ultimately my responsibility and understand that my actions caused them to be incurred. <P/>Here is a list of the fees I incurred while I held this card. <P/>Total Fees : {$150.00} - Effective Annual Rate on Total Purchases = 57 % - Effective Annual Rate on Average Balance = 140 % Total Interest : {$20.00} Total Fees & Interest : {$170.00} - Effective Annual Rate on Total Purchases = 64 % - Effective Annual Rate on Average Balance = 158 % Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I have been a customer of Exeter Finance since XX/XX/XXXX. I have never missed a payment and all my payments have been on time. XX/XX/XXXX I total loss my car. Every since then Exeter has been a nightmare. I had full coverage along with GAP coverage on my vehicle. The Insurance company and GAP completed everything that was needed on their end by the end of XXXX. Exeter received a payoff from XXXX XXXX, a payment from me ( because they said if I did n't make my XX/XX/XXXXpayment it would get reported to my credit as 30 days late, even after they received the check from XXXX XXXX ). They received a payment for GAP for the remaining amount on my loan as well as another check for {$690.00} from XXXX XXXX. It took Exeter 3 weeks to process those checks. I could not get approved for another car loan until it showed my acct had been paid in full. I had been without a car since XX/XX/XXXX. I just got another car on XX/XX/XXXX. Everytime I called Exeter I spoke with a different person and was told so many different stories. Even the company I purchased my car from got frustrated and upset with Exeter and called their practices unethical. I have an over payment of {$1100.00} that was supposed to get sent to me the beginning of XXXX and as of today they have still not processed my overage payment. Each time I called in for an update, someone ( including management ) told me a different story. I called the office of the president and spoke with someone about my account and they all act like they do not care. They are the WORSE FINANCE company ever and I am looking to file a suit against them for their unethical practices. they way that they treat their GOOD customers are a disgrace and they need to be held accountable. I have experience so much stress in dealing with them these past 3 months and I still have not received by refund check. <P/>
STAY AWAY FROM EXETER FINANCE if you can ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I did not get a notice that I was being sued for a debt. I found the debt on my credit report and did not get a notice or anything to dispute this. The company  is Hunter Warfield. The amount is  XXXX  . The letter was sent to a friends house. This is total violation of privacy. I never got the letter until al most a year later. The address listed is not my address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I have been repeatedly called on my personal cell phone, but I have also been called at work which is the bigger problem. I only gave this company my work phone to verify employment. I never authorized them to contact me at work for any reason.

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 2017-06-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My previous complaint against Champion Mortgage/Nationstar may have been answered but the responses were incorrect. This time I submit proof that my complaint is correct. 1. When Champion/Nationstar foreclosed on me inXX/XX/XXXX, they used incorrect numbers that were incorrect so the foreclosure was illegal but attorneys for Champion proceeded even though I tried to prove otherwise and my wife lay XXXX at the time. She XXXX on XX/XX/XXXX. The foreclosure was based on Champion claiming I owed real estate taxes for XX/XX/XXXXin the amount of {$10000.00} when the actual taxes for XX/XX/XXXX were {$6600.00}. False information leading to illegal foreclosure. 2. Now, Champion is foreclosing for the amount of {$11000.00} when their own statement shows LOC balance as {$8600.00}. 3. in written email from Champion their representative " declines '' to give me an proof of their charges. 4. In current threat of foreclosure, Champion lawyers state original loan balance as {$380000.00}. when the true original loan balance was $ {$170000.00}. I have repeatedly asked for HARP but have been ignored. I assume Champion will ignore it until it expires in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX    XXXX   file number  XXXX . and equifax is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CO

Complaint narrative:
Good Morning - On XXXX XXXX XXXX I spoke with staff at FedLoan Servicing regarding my student loan payment recalculation under an IBR schedule. I was advised by staff at FedLoan Servicing to submit new paperwork to have my payments lowered, only to have my bill increase {$80.00} - I was misled. <P/>After speaking with numerous staff and a supervisor I was informed on how FedLoan Servicing calculates monthly payments. It involved utilizing annual income and a state poverty line adjustment which I am sure your office is familiar with. My grievance with this calculation is based on the fact that FedLoan Servicing shows consumers that they calculate loan payments as 15 % of an applicants 'discretionary income '. <P/>I work as a XXXX XXXX and was very puzzled on my phone call with FedLoan servicing because from what they explained to me they are in fact not utilizing discretionary income at all. They are utilizing an in-house model that ignores discretionary income. <P/>My application stated that my monthly net pay ( after taxes and other essential deductibles ) was {$1500.00}. My monthly student loan bill came back at {$450.00} - nearly 29 % of my net pay. <P/>Why is FedLoan Servicing allowed to advertise Income Based Repyament plans as utilizing a percentage ( 10, 15 or 20 ) of discretionary income when in fact they are not doing this at all? They are utilizing another formula that tracks payments unexpectedly higher for the majority of applicants. <P/>In fact, if one were to educate themselves on definitions of 'Discretionary Income ' it becomes blatantly clear very quickly that this in fact not what FedLoan Servicing is utilizing at all. They do not ask any questions regarding rent payments, other necessities, and apparently ignore net take home pay entirely! <P/>Please, help bring FedLoan Servicing in line and stand by what they tell borrowers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: IL

Complaint narrative:
I sent money to the escrow account that was not applied to it and as a consequence of that my mortgage payment increased. The check clearly indicated that such should of been applied to my escrow account. The servicer in question is Plaza Home Mortgage. I am sending you a copy of the cancelled checks and print out of payment/escrow history. As you can see such payments were not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft. Someone stole my personal information and opened a fraudulent and unauthorized checking account wi th    XXXX   XXXX   XXXX    ,   XXXX   XXXX   XXXX  and  XXXX   XXXX . The checking accounts are listed on Chex Systems consumer report and are fraudulent, unauthorized, and do n't belong to me.

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 2017-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX / XXXX / 2017  : I went onto the  XXXX  website to purchase several dresses and  2  blouses. According to the website, I have a {$400.00} credit line that shows as an active available credit line. But when I tried to make the purchase, I got a message to call customer service. I was told despite my {$400.00} credit line, my card was blocked due to inactivity. I was told that the block could be removed with no problem. But when I was transferred to the credit dept. I was told that they could not reinstate my credit line because Comenity B ank, ( the Bank ) reran  my credit report & would not reinstate my credit line. I called Comenity Bank whose representative said the same thing. To date when accessing  my   XXXX  account it still shows up as an active credit line of {$400.00}. I was never notified my card and my account was in inactive status. As a  XXXX  woman, it is already difficult for me to purchase clothes in my size and this store is one of few stores where   XXXX   women can purchase clothing that fits. I am very angry & upset that this occurred & want my account reinstated with my full credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
The mortgage servicer assigned me to two account representatives who refuse to return my calls, and no one else at the company has the authority to help me resolve my issue. Background : I was notified of an escrow shortfall of almost {$10000.00} that had been accumulating for more than a year on my account. I received notification by regular mail on XX/XX/XXXX that as a result, my payment will increase on XX/XX/XXXX from {$2400.00} to {$3800.00} to cover the shortfall. Through my own research I discovered that in a HAMP refinance, the prior servicer failed to account for my full annual property tax, and my payment was calculated too low. I never received any escrow statement from the prior servicer ; my loan was transferred to a new servicer in XX/XX/XXXX, and I also never received any warning of a shortfall from the new servicer until XX/XX/XXXX. I immediately began calling to resolve the issue and was informed that generally shortfalls can be spread over a longer period of time, but XXXX XXXX and XXXX XXXX would be the only people who could discuss the matter with me. I have left each of them at least 10 messages, at least once per business day, since receiving the notice. I have also written and emailed the company with a proposal to extend the payment schedule. Furthermore, the company has failed to credit a timely payment lost by the prior servicer and acknowledged as a correction by the prior servicer, which would serve to offset some of the shortfall. To date I have received no return phone call nor any return email or letter. This morning I was informed by customer service that XXXX XXXX is no longer with the company, so now there is only one person - XXXX XXXX - who can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: MI

Complaint narrative:
Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX  stellar file number  XXXX  and   XXXX   is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My wife XXXX XXXX and I had an Auto Loan through XXXX XXXX. Unfortunately, we had to voluntarily surrender this vehicle because we simply could n't afford the payment. A few months after surrendering the vehicle, XXXX XXXX XXXX XXXX XXXX reached out to us in regards to paying the remaining balance. We came to an agreement of {$130.00} a month which we started paying in the XXXX of 2016. Since then, legal action ( judgement ) was going to be taken against us. In order to prevent having a judgement on our credit reports, I reached out to XXXX XXXX XXXX to work something out. The agreement was that if we paid the balance in full, the case would be dismissed. We paid the account off in full and successfully worked with the staff from XXXX XXXX XXXX which was working to collect the debt for XXXX XXXX. I immediately disputed the information as being paid on my credit report through Equifax. Equifax came back 30 days later and informed me that all information was reported correctly, but the account was still not showing as paid. After receiving this information, I called XXXX XXXX myself to find out what the problem was. The representative informed me that my account was showing a XXXX balance and has been paid in full. Furthermore, this was showing as a voluntary surrender but has now been updated to a collection. This account was paid in full.

Company response to consumer: Closed with explanation