vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.

2. Failed to provide copy of the original contact bearing my signature.

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.

2. Failed to provide copy of the original contact bearing my signature.

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been the victim of identity theft for several years now and have been monitoring my credit file each month. Someone unknown to me used my ssn for medical services in the state of XXXX NC. I have never authorized anyone to use my SSN for services and do not know who the individual is that used it. I filed a dispute with the colleciton agency who sent me a letter on XX/XX/XXXX confirming ( confirmation number XXXX ) that my identity was used fraudulently and they will notify Transunion that this negative mark should be removed. I placed an investigation with Transunion on XX/XX/XXXX. on XX/XX/XXXX I receive my investigation results from Transunion stating that the information is correct and will remain on my file until XX/XX/XXXX. There is no possible way that this information is correct because 1. the person name does not match the social security number used. 2. I have never lived in XXXX and have lived in California for over 30 years. 3. I have a confirmation letter from the collection agency saying that they notified Transunion of the error on XX/XX/XXXX. Transunion investigation was incorrect and seems they are bypassing what the collection agency has reported to them. THis negative marking needs to be removed from my file. 

Reporting company XXXX XXXX , XXXX . 
on Behalf of XXXX XXXX XXXX XXXX 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 2017-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: PA

Complaint narrative:
I received a call that I owed for a membership from First credit services. The membership was was closed out on XX/XX/XXXX and I even paid for XX/XX/XXXX as I was told XX/XX/XXXX payment could not be cancelled. I informed the supervisor at XXXX XXXX in XX/XX/XXXX. I was told to mail a letter which I did on XX/XX/XXXXand received no response. I sent a certified letter on XX/XX/XXXX and still have not received a response. This account was paid in full and closed out west n XX/XX/XXXX. I do not owe this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
This complaint is related to the second mortgage on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. I had attempted to get a modification and was denied by both of mortgage companies. I have since fallen behind on my mortgage payments. I hired a real estate agent who was able to short sale the property. We are currently under contact and do have an approval from the first mortgage company who is requesting we close on or by XX/XX/XXXX. 
This short sale package was submitted to XXXX on XX/XX/XXXX with the final approval letter sent to them on XX/XX/XXXX. To date, neither my agent, my attorney nor myself have received any information from XXXX even after REPEATED phone calls and emails. I was told by " XXXX '' that my XXXX was XXXX XXXX, but that she is currently on vacation, so we left messages with her supervisor XXXX XXXX. I called back on XX/XX/XXXX and was told by XXXX XXXX that she is not on vacation but new to the company and does n't have access to the " system? '' He also stated XXXX has no record of receiving my short sale packet, however my real estate agent has the fax confirmation that all documents were sent and received. I truly believe XXXX has been purposefully trying to stop the short sale by first ignoring us, and now by lying. 

If you could please let me know what my options are or how I can proceed so that XXXX does not prevent the short sale from occurring, I would be unbelievably grateful. If you need more documents than what I can upload, please let me know and I can fax or email them to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a XXXX, XXXX elderly man who is having issues with Wells Fargo, my mortgage company. My monthly payment has grown from {$800.00} to {$1600.00} without proper explanation. I have asked Wells Fargo to not pay my insurance because I pay it myself and they are still adding addition escrow payment onto my monthly payment. As a result, I am paying my own insurance and property tax, and so are they and yet I get no money returned to me. I have tried to work this out with Wells Fargo and to no avail. I am currently XXXX months behind on my monthly payment and while I was able to afford the original payment of {$800.00}, I simply can not afford {$1600.00}. This issue is greatly affecting my health and well being and I am seeking your help in resolving this issue. Thanks in advance for your assistance.

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 2017-10-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying 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 2017-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Applied for CC on XXXX ( XXXX XXXX ) Website about XX/XX/XXXX which offered XXXX Starpoints after spending {$3000.00} within 3 months. Approved for offer, but never rec 'd CC. Called Customer service said would send CC right out, but after 2 weeks never rec 'd card for another week so called back & CS rep said will send XXXX, next day rec 'd card along with another card by post office. I used first card, but soon found would n't accept charges. So I used other card which did. When I rec 'd second bill, I called to see if I met requirements & when was I getting XXXX Starpoints. Rep said my card was n't eligible for points. At this point, I spent over {$4000.00}. 
In my opinion, they mislead the program especially after approving my application. They never called me about not giving points or the CC I was using being ineligible. I was approved & after meeting the requirements for spending money I should be given my XXXX points. Switching my card w/o telling me should be some sort of violation i.e. fraud. 
The Financial organization handling the transaction was AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying 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 2017-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: MD

Complaint narrative:
JG Wentworth ( mortgage broker ) offered a 20 year mortgage refinance at 3.49 %. Just prior to closing, I was given a final loan package to review which indicated that I would need to bring {$3000.00} to close with my new loan payments set to begin in XX/XX/XXXX ( I did not wish to " skip '' a month of payments in the new loan ). I also discussed the cash to close amount with the loan officer XXXX XXXX. Finally, I made preparations with my bank to have these funds ready for closing. The loan closing was pushed back a couple of days, for unclear reasons on the lender 's side, and I was scheduled to close on XX/XX/XXXX. At closing, when reviewing the documents, it appeared that the entire prepaid/escrow amounts had changed as did the plan for me to begin payments in XX/XX/XXXX.I moved forward with signing the paperwork ( with knowledge of my right to rescind ) and contacted the XXXX and her supervisor XXXX XXXX . Per the loan documents, the first payment was pushed back to XX/XX/XXXX ( without my notification or approval, resulting in additional interest prepaids being due at closing ), the 6 months of property tax escrows were moved to prepaids and 2 additional months of escrow were added. As a result of these last minute changes being made ( without my review, approval or notification ), the closing amount increased significantly to {$5100.00}. No clear explanation was given despite my speaking with the loan officer and her supervisor. I requested that they honor what had been offered to me. They continued to tell me how it was in my best interest to close the loan given the fact that rates had increased. I was offered {$450.00} off of the closing amount. I asked for them to fix the paperwork to reflect what I had agreed to and allow me to close prior to my rate lock expiration XX/XX/XXXX or to extend the rate lock x 2 weeks to allow time for their paperwork to be corrected. I reached out to the XXXX XXXX ( supervisor ) and requested that I be contacted regarding the plans for my loan. Absolutely no attempt was made by JG Wentworth to remedy this issue prior to loan rate expiration. It also appears that they have blocked  my access to the online portal containing all of my documents related to this loan. I was able to download the documents to substantiate my complaint prior to this action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Quicken Loan ran a credit report 3 times against my approval. I informed all 3 credit bureaus in the past of any fraud of receiving my information without my permission and was to be cover for 3 mos or more. As far as the letter I received back from all 3 bureaus no one is supposed to run my credit without calling me first or my approval. It appears this has gone through and has lower my credit score even more. Please remove these inquiries from my credit history. Please DO NOT allow this to pass through again without proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Terminated the lease of the car in XX/XX/2017. The finance company resold the car for more and will not remove the account from my credit after multiple requests to do so. Fraudulently submitted an auto claim to my insurance company without my knowledge or approval. Repeated phone calls to personal phone, employer and credit inquires

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 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Equifax, XXXX XXXX, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State  including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX XXXX ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!

Company response to consumer: Closed with explanation