vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a statement from Comenity Bank/XXXX  with a late fee of {$23.00} for a purchase of {$21.00} back in XXXX. My payment of {$21.00} was sent to Comenity Bank on time and my card was paid in full! I called and talked with numerous customer services representatives, and explained that I had paid the bill, it was sent on time, gave them the check number, explained that my bank statement was showing the check had been cleared, and looked on my copy of check to insure I had put correct account number on it. This was not enough, they wanted a copy of the check front and back from my bank. So, I called my bank and asked if they could get me a copy of my check. Apparently, someone at Comenity Bank ran it through as a debit and not a check ; therefore, my bank did not have a copy of the check. I tried explaining this to Comentiy. they continue to say I did not send the check. At that point, I wrote them a letter, and sent a copy the part of my bank statement that showed where the payment had been made and cleared. Still not good enough for them. Comentiy Bank sent me another letter implying, I did not put correct number on check, not true! My carbon copy clearly shows correct number, and I have already shared that with a customer service supervisor representative. Currently, I am in the process of sending them a copy of my carbon copy, so they can see I did have the correct account number on my check. I am not sure what else I can do, other than pay 3 times what my item cost me. Once I get this cleared, I will never wall in the doors of XXXX or do business with Comentiy Bank again. Normally, I pay my bill in full, and pay on time. There is only one incident that I did not pay the full amount, I looked at wrong section and only paid minimum amount. I did not dispute interest because it was my fault! The bill was still paid on time, I just had to pay interest on remaining balance. What can I do? I have excellent credit and do not want this bank to ruin my credit. I also do not want to pay over {$60.00} for a {$21.00} purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I've been recently made aware of a supposed debt to Credit Management. On XX/XX/2019 the debt was added to my credit report. I have no contractual agreement with this company and no proof of this debts validity. The debt is for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i was using a company XXXX for my phone service for many years recently there were weeks with poor or no service. My renewal date was XX/XX/20 on XX/XX/20 i received an email from them stating that on XX/XX/20 they generated an invoice for {$180.00}. immediately i responded and said don't bill me i'm not renewing my service.On XX/XX/20 they billed me anyway with out my consent. I waited till it posted on my account when i called capital one to dispute the charge.During the conversation capital on called XXXX and they said they will give full credit as long as you return their equipment with in 30 days.I didn't trust them so i asked capital one to give me credit on XX/XX/20 capital one gave me credit.I sent back the equipment immediately and XXXX sent me an email on XX/XX/20 that they received it and were finalizing the credit.On XX/XX/20 to my amazement capital one rebuild me for {$180.00} i contacted capital one and asked them what happened, they said the merchant gave them documentation to warren the charge.they told me if you want to dispute it to down load docs and i did. I called capital days later and they didn't help me. capital one took the dispute to visa before asking me for docs and now that i sent them docs showing that i canceled a week before the service date and was charged against my willing they still wont help me therefor i am sending you all the emails and asking you to step in and help me. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NE

Complaint narrative:
This is not my account and needs to be removed from my credit report immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
Dear Sirs, For over 10 years my husband and I have had a joint checking account with First Independent Bank of Nevada ( alias Western Alliance after bust ). 
I have only twice had ACH Debits .... both to major companies XXXX and XXXX XXXX. 
Both for about 100 dollars. 

In XXXX my husband went into XXXX XXXX  and then returned home. He has XXXX XXXX and I have XXXX XXXX XXXX XXXX. 
I have been undergoing XXXX XXXX and I can't find a facility that can cope with him. 

End result we returned to our home of 25 years and I stated checking our bank accounts and found that Western Alliance had approved 4 ACH Debits ( one each week in the month of XXXX  ) totaling dollars. 
Each debit was from between XXXX dollars to XXXX dollars. 

When I tried finding the company ( XXXX XXXX ) I hit a brick wall. 
I spoke to the branch and they gave me a phone number that turned out to be XXXX XXXX XXXX. That they had initiated the order giving away my money. 
They could not help and the branch gave me the number for XXXX XXXX. 
They sent me directly back to XXXX  XXXX. 

So, now I feel I have been robbed by someone who is hiding behind the banks and the clearing house. So whose checking account did my meager funds wind up in. 

Since I receive about XXXXUSD in Social Security, you can understand how important this money is to me. 

Any help you can give me would be much appreciated. 
Many thanks, 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 2020-03-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion would not assist in deleting these negative inquires from my report XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2020-03-15 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: NV

Complaint narrative:
I am a victim of id thief due to a recent data breach, I see accounts appearing on my credit report that I did not open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Recovery Services, Inc.
State: NE

Complaint narrative:
This is not my account and needs to be removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NV

Complaint narrative:
I am a victim of id thief due to a recent data breach, I see accounts appearing on my credit report that I did not open

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 2020-03-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  would not assist in deleting these negative inquires from my report XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I used XXXX via Wells Fargo to make a {$350.00} payment to a man for the purchase of a puppy for my wife, the next day on XX/XX/2020 I sent the final amount of {$350.00} ( for a total of {$700.00} ) after I received what I believe to be an actual video of the dog complete with the man calling the dog by the name we where going to give it and the date and an email with the bill of sale. On XX/XX/2020 I received an email from a company claiming to need {$1000.00} " pet insurance '' to send the puppy via airplane. I knew immediately that we had been scammed and attempted to get our money back. The man claimed he was going to the airport to cancel the flight and would refund us our money the night of XX/XX/XXXX. He has sinced blocked us and not been responsive. I was sceptical when he first mentioned XXXX but when I saw that it was endorsed by Wells Fargo I thought it could be trusted as the XXXX page looked legitimate and had a couple of people claiming to have purchased from him. The scammer was very reassuring during the process and even had a professional looking fake shipping company website that they used to try to get more money out of us. We have reported them to XXXX and warned others in my wifes pittbull group. I will be trying what ever I can to not only get our money back ( which is most likely gone ) but warn others. Avoid XXXX 's XX/XX/XXXX, XXXX XXXX and " XXXX XXXX '' at all costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-03-15 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient submitted a report to the Credit services XXXX  and XXXX  that I now am require to pay twice what I actually pay based on their in come repayment plan and as a result my credit score drop over 30 points and disqualified for a loan for a home. I do not think this fair to me. 

Also, I feel that I am being over charged and am not being properly reported as to how much money has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company : Equifax Credit File : XX/XX/2020 Confirmation # : XXXX Police Department : XXXX, Tx Police Department Phone Number : XXXX Outcome : Waiting on a police report I received 3 letters from banks informing me that additional information was required to complete my application. I had not applied for services from the lenders contacting me. I contacted Equifax, XXXX, and XXXX XXXX to inquire about my credit report. I found 36 inquires that I did not initiate. After some investigation, I found that someone had stolen my identity and created a false drivers license in my name with my address, and license number.

I notified each of these companies that someone has stolen my identity. I am willing to provide a copy of the police report to any business that would like a copy ; however, I have been asked to send personal information, which is requires a notary signature to verify that I am who I say I am. The inconvenience of this request is high, the cost is exorbitant, and the issue of sending personally identifiable information to support a claim of stolen identity is abhorrent. 

I disputed the fraudulent inquiries that we present on my report with each of the credit bureaus. I have received a response from Equifax that " Inquiries are a factual record of file access ''. However, I never disputed that an inquiry was made. I have disputed that I was not the one who requested, nor did I authorize these inquires that appear on my report. 

Equifax has placed the burden of contacting the businesses documenting these inquiries on me. I believe that they have the burden to prove that I made these inquiries. My identity has been stolen by someone who initiated 36 inquires, so far, and has to my current count 5 cars leased, purchased, or rented in my name. In addition, 4 cell phone numbers and an account with XXXX XXXX was opened, which it was explained to me is likely an effort to launder money. 

I am unwilling to send these businesses more personally identifiable information after my identity has been stolen and it is unconscionable that would think I should. Equifax is reporting credit activity that results from someone stealing my identity and responses to a dispute that the inquiry was a factual record, which is in no way in dispute. I freely admit that someone initiated an inquiry, I dispute that I was the one that initiated it. I would like to have this information removed from my credit report. I will be happy to provide a copy of the police report to Equifax, but the insistence I contact these companies to have it removed is irresponsible and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: CA

Complaint narrative:
I have tried to correct this issue with the bureaus and they refuse to correct this inaccurate account. I have filed the attached complaint with the Federal Trade Commission. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: DISCOVER BANK
State: IL

Complaint narrative:
Thank you for your time in reading this complaint. 

I have maintained a Discover Card account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. 

Discover maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called Discover on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). 

I made an online payment for {$340.00} on XX/XX/XXXX and Discover sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, Discover never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). 

I viewed my credit report on XX/XX/XXXX and learned that Discover shows that I have a missed payment. This would never have happened had Discover not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. 
I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had Discover actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. 

I have one simple request that Discover have this late payment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: CA

Complaint narrative:
I have tried to correct this issue with the bureaus and they refuse to correct this inaccurate account. I have filed the attached complaint with the Federal Trade Commission. Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is showing and Inquiry on my credit profile and I didnt apply for any card. XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: National Auto Lenders, Inc.
State: GA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
NATIONAL AUTO LENDER Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity. 


You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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