vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I purchased a XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX in XXXX, WY, with Wells Fargo Dealer Services as the lender, inXX/XX/XXXX. This vehicle was first insured, by me, with XX/XX/XXXXand later with XXXX XXXX. There were various times that I fell behind in my payments. In XX/XX/XXXX ( I am unsure of the date ), I spoke with a representative ( name unknown ) of Wells Fargo Dealer Services regarding my late payments. He inquired with me about my insurance, which I did have coverage, at that time with XXXX XXXX. He stated that since I was late on my payments, he was certain I didnt have insurance and stated they were going to insure the vehicle through an in-house insurance policy. I informed him that wasnt necessary and could send them my insurance policy if needed. He didnt request that I send the information. Due to falling behind in the payments, the amounts due monthly increased, but I didnt calculate the amounts for fraudulent billing practices. InXX/XX/XXXX, the truck was repossessed by Wells Fargo Dealer Services. In XX/XX/XXXX, I received a Notice of Sale of Repossessed Property and Explanation of the Calculation of Surplus or Deficiency datedXX/XX/XXXX. There is a credit listed for insurance in the amount of {$710.00}, which leads me to strongly believe I was charged the CPI insurance and/or GAP insurance I had verbally declined in the previous phone conversation. Within the last two weeks, I learned that Wells Fargo Dealer Services had been in the habit of charging for CPI and/or GAP insurance without consent. On Monday, XX/XX/XXXX, I called Wells Fargo Auto CPI Payment Program at XXXX. I spoke with an unknown female representative that refused to tell me about the Wells Fargo Auto CPI Payment Program. She took my name and stated to me that she ran my name through her system and no information returned. She inquired about any letters I have received, which I have not received any correspondence from Wells Fargo since XX/XX/XXXX. I tried to explain to her that I have relocated to another state and wanted to speak to her about the insurance charge/credit listed on the Notice I had received in XX/XX/XXXX, but she made it clear that there was nothing she was willing to discuss with me. I would like to know why I had been charged for insurance, as listed on the Notice, and exactly how much I had been charged for this unneeded expense.

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 2019-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian XXXX, and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15. Chapter XXXX Bankruptcy # XXXX 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 Im 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, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX # XXXX 2. XXXX/XXXX XXXX # XXXX 3. XXXX XXXX XXXX/XXXX # XXXX 4. XXXX XXXX XXXX/XXXX # XXXX 5.XXXX XXXX XXXX/XXXX # XXXX 6. XXXX XXXX   XXXX/XXXX # XXXX 7. XXXX XXXX XXXX/XXXX  # XXXX 8. XXXX XXXX  XXXX/XXXX # XXXX 9.XXXX  XXXX  XXXX/XXXX # XXXX 10. XXXX XXXX   XXXX/XXXX # XXXX 11. XXXX XXXX XXXX/XXXX # XXXX 12. XXXX XXXX XXXX # XXXX 13. XXXX XXXX XXXX # XXXX 14. XXXX/XXXX # XXXX 15. XXXX  XXXX XXXX # XXXX 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 Im 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, XXXX, XXXX 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 2019-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX # XXXX 2. XXXX/XXXX  XXXX # XXXX 3. XXXX XXXX XXXX/XXXX # XXXX 4. XXXX XXXX XXXX/XXXX  # XXXX 5.XXXX XXXX  XXXX/XXXX # XXXX 6. XXXX XXXX XXXX/XXXX # XXXX 7. XXXX  XXXX   XXXX/XXXX # XXXX 8. XXXX  XXXX XXXX/XXXX # XXXX 9.XXXX XXXX XXXX/XXXX # XXXX 10. XXXX XXXX XXXX/XXXX # XXXX 11. XXXX XXXX   XXXX/XXXX # XXXX 12. XXXX XXXX XXXX # XXXX 13. XXXX XXXX XXXX # XXXX 14. XXXX/XXXX # XXXX 15. Chapter XXXX Bankruptcy # XXXX 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 Im 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, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been trying to work with my mortgage company, Mr Cooper, to get Mortgage insurance removed from my loan. I called the company on XX/XX/XXXX to inquire what was needed in order to have MI removed from my loan. I made a $ XXXX payment and again called on XX/XX/XXXX to request MI be removed. I was told I'd receive a follow up call within a week. I placed follow up call to Mr Cooper on XX/XX/XXXX and subsequently was told I'd receive a follow up call on XXXX. XXXX came and went with no follow up call ; I submitted a message on XX/XX/XXXX through their secure messaging portal again requesting removal of MI. As of XX/XX/XXXX I have yet to hear any response from Mr Cooper.

I find the lack of response from Mr Cooper to be both unprofessional and unacceptable. requesting the help of the CFPB to resolve this matter. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Johnson Mark LLC removed from my XXXX XXXX Checking account {$2700.00} and {$400.00} from my savings account Friday XX/XX/XXXX with no court order nor any notification to me that they were doing so. They wiped out my funds leaving me with {$300.00}. The credit card debt was from XX/XX/XXXX and I've never received any communications regarding this. After some investigating online I believe this is the debt : XXXX Filing Date Description Docket Date Filing Party XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX RQW - Rel/Quash Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX ANG - Answer Of Garnishee XX/XX/XXXX Garnishee Defendant ( 3 ) XX/XX/XXXX XXXX - Affidavit Of Service XX/XX/XXXX XX/XX/XXXX WGS - Writ Of Garnishment and Summons XX/XX/XXXX XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX RQW - Rel/Quash Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX ARJ - Affidavit : Renewal Of Judgment XX/XX/XXXX XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX DJU - Default Judgment XX/XX/XXXX NOTE : XXXX PAGE CERTIFIED COPY FROM XXXX XXXX XXXX XX/XX/XXXX XXXX - Coversheet XX/XX/XXXX As you can see I have never been served. I wish to also make a claim against XXXX XXXX for allowing the removal of my funds without a court order. I will now have overdrafts on my account and payments that will be late due to this. The attorney office and XXXX XXXX should be accountable for this. I can not believe this could be legal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, Experian and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to Tennessee Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with Tennessee Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, Experian, and XXXX  for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.

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 2019-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX  # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX #   XXXX 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 Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX  and XXXX refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Applied for a business gold rewards credit card with a welcome bonus of XXXX points. Never received ANY popup, which said that I am ineligible, never had the card before, never violated any terms on other cards. 

After 2 months and 2 investigations, XXXX reps failed to provide ANY reason, except for some vague language " based on customer information and prior relationship we can not give a bonus ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In 2014 I was the victim of identity theft. Several fraudulent accounts were opened under my name. I filed a police report on XX/XX/2014. On XX/XX/2014 I was notified by the postal inspector in charge of my case that the person who had stollen my identity had been found, and was being brought to federal trial. All fraudulent accounts were closed by the creditors. 

Equifax did not remove one of these accounts from my credit history. It still remains on my credit history, and is still negatively impacting my score.This has resulted in unduly increased insurance costs for me for at least the past two years. I have attempted to contact Equifax dozens of times regarding this issue. I have submitted multiple claims. Each time I have provided copies of police reports and all necessary personal information that was requested. Each time I submit a claim, Equifax either never opens the case at all, or concludes that the account is not fraudulent and thus does nothing about it. 

Often they will refuse to let me see the results of the investigation, and I am just told to resubmit the same claim. 

The other two credit agencies, XXXX XXXX and XXXX, have concluded that this particular account is fraudulent, and have correctly removed it from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened up a credit card to finance furniture at XXXX XXXX XXXX. They finance through Synchrony Bank. They offered so many months with no interest to pay off the amount. The first time I paid it off with no problem. The second time I finance through them I was making steady payments like before but had a lot going on at the time and forgot about the deadline. I called them to see when my time frame for no interest was up, and they told me it was up two weeks ago, and my next payment would have accrued interest. 
I asked the lady could I pay the amount I owed without the accrued interest I did not realize that the time was up and I had a lot of thing going on at that time. She said there was nothing they could do. This was in early XX/XX/XXXX, I spoke with them twice in XXXX before the holidays. I called again two weeks later in XXXX and they told me I should have called two weeks ago and they could have helped me it was too late. I spoke with XXXX, not sure who I spoke with the first time but it sounded like XXXX. The total I owed without interest was XXXX the total interest added to the payment was XXXX. They wanted me to pay XXXX. 

I spoke with Synchrony Bank again on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX and each time I called they claimed they spoke to a manager including this time and they said they would not remove the interest so that I could just pay off the amount I owed. Since then I made a payment of {$150.00} in XXXX. The total interest in XXXX is XXXX. The amount I owed to date is XXXX. This is without the payment I will make in XX/XX/XXXX. 

These finance companies prey on those who may need to establish their credit by offering no payment for a certain amount of time but they get over when they charge an interest rate that will could put you in debt. The offer seems good at the time but in the end, it is not worth it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation