vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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: NJ

Complaint narrative:
We made purchase at XXXX XXXX and were offered a credit card by Comenity Bank with no interest for 12 months. We ended up signing up for the card. To avoid any late fees the bank suggested setting up an auto payment and also signed us up for paperless statements. The system has been debiting our account automatically for the past year and we didnt see any issues except for the fact that the bank signed us up for minimum statement due and when we hit 12 months mark in XX/XX/XXXX end the bank charged us around {$700.00} in interest fees We were not made aware of the charge by email or text as we were still on the auto pay. when investigating why we are still paying in XX/XX/XXXX, we see that the bank has charged us interest and has been doing so for the months of XXXX and XXXX for $ XXXX each month in addition Issue - 1. The bank signed us up for auto pay for the minimum due and not the statement balance. The bank doesn't give the option to pay statement balance and hopes customers sign up for minimum balance and accrue interest, knowing that consumers will not see the interest accrued for 12 months and will forget with paperless statements. As a result they will hit the customers account with huge interests and wait for 12 months to collect the interest as the customer is not tracking the account with with auto pay and phone/email notification.

2. The bank also didnt send us any email or phone notification of the charge even though we have signed up with out email and phone. On asking them about it, they mentioned it is on the statement ( that we dont receive by mail nor by email ) that we should have logged into the account and clicked on the notification center to download and see. 

I am sure this is not the first time this has happened. The fact that the bank gives auto pay options only to pay off minimum due amount and not statement balance shows that they want customers to accrue interest so that they can slap it on the account that is in auto pay mode We trusted the bank and signed up for auto pay and signed up for notification and paperless statements. That now has caused us to pay the bank {$800.00} in additional interest fees. 

Happy to provide more information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. On XX/XX/XXXX my car was repossessed. At that time I learned that XXXX was no longer the lender and West Lake Portfolio Management had assumed my loan from XXXX. I was never notified that West Lake was the new lender, prior to that time my payments were on auto draft from my bank with XXXX. West Lake claims they made attempts to notified me that they were the new lender but I did not receive any emails, phone calls or mail. They also confirmed with me that all my mail was returned to them. I am an XXXX XXXX military and I do move often, West Lake had my current email, phone number and personal references but made no attempts to use that information to contact me. I feel like West Lake did not make adequate attempts to try contact me and repossessed the car prematurely. When my payments didn't come out of my bank account from XXXX, I called immediately but was unable to speak to anyone, operator stated 'not available '. By the time I made contact with West Lake they had already repossessed the car and added substantial amount of fees to the past due amount owed. On XX/XX/XXXX I made a payment in the amount of {$100.00}. I was prepared to pay the full amount that was past due. But due to the excessive fees ( towing, storage, late fees, auction fees, etc. ) which I do not feel that I am responsible for I did not pay. I feel like these fees were avoidable if they had made proper attempts to contact me. I am an XXXX XXXX solider and West Lakes premature actions have caused me and my family a serious hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid off an old XXXX account with 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 2020-01-22 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the 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 2020-01-22 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Finance is showing a collection debt of {$720.00} which is for an original creditor of Regency Finance Company. The original debt was covered by insurance and is no longer owed due to insurance claim filed because of permanent XXXX. Paperwork showing evidence of permanent XXXX has been provided to Regency Finance/Mariner Finance on numerous occasions and Regency Finance/Mariner Finance has advised that this account is closed and debt is no longer owed.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud XXXX XXXX is a result of ideninity theft XXXX did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from Experian changed XXXX last four XXXX changed to XXXX In my letter Experian was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY XXXX never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted Experian does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: IL

Complaint narrative:
NetSpend sent me a pre-paid Mastercard even though I did not apply for it ( and they state as much on the letter ). My identity was stolen several years ago and the thief attempted to take out many cards in my name. Sending me unsolicited cards is a huge security problem for me and I have gone to great lengths to freeze my credit to keep things like this from happening.

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 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I went in to a Union Bank located in XXXX XXXX inside of a XXXX XXXX XXXX XXXX on XX/XX/2020. I set up the account with a banker named XXXX. She was fine at first but when I called the next day to change my business account she said she would get back to me and never did. On XX/XX/2020 my 3rd party echeck merchant sent my echeck deposit to this branch they have been for years, I got a call from XXXX now telling me they don't accept 3rd party echecks so I went into the bank and picked up my echecks and deposited them into my XXXX XXXX account with no problem. They next day XX/XX/2020 my account was frozen and flagged for suspicious of a fraud check and then closed on XX/XX/2020. No checks were deposited and no one told me when i went into the branch to pick up the checks, i even made a cash withdraw and still no one told me anything that day. i called customer service twice and they referred to the Fraud department and both times the fraud department told customer service to refer me to the bank branch directly and still all they said was it was in their best interest to close my account. I spoke to the branch manager XXXX and XXXX on XX/XX/2020 and both couldn't explain why. XXXX even laughed saying ' we just decided to close it.This is unfair and not the way to conduct business. Stay away from this branch and bankers, they are not professional and will close your account without even calling you if they feel like it and their customer service is ridiculous

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 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MO

Complaint narrative:
To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from ACCOUNT RESOLUTION CORPORATION COLLECTION AGENCY stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-01-22 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: FMS Inc.
State: FL

Complaint narrative:
FMS IncXXXX is reporting incorrect information on credit report in that they are reporting accounts that are being paid through an official agreement ( payment plan ) with XXXX XXXX XXXX Hospital, accounts that are not being handled/overseen by FMS but directly with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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:
XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV

Complaint narrative:
DEBT WAS SETTLED BY ARS ON XX/XX/XXXX. 
REC 'D A LETTER CONFIRMING THIS. 
XXXX  STILL IS REPORTING THIS AS AN ACTIVE, OPEN DEBT. 
REQUESTING INV BY XXXX  - ON XX/XX/XXXX - THEY CONCLUDED IT WAS A VALID, ACTIVE DEBT!!! 

SPOKE W/ ARS XXXX XX/XX/XXXX - THEY SAID TO CONTACT XXXX  XXXX WHICH I CAN NOT - AS IT'S STILL WITHIN THE XXXX LIMIT - THEY PUT ME THROUGH TO SUPERVISOR VM - THIS TRADE LINE SHOULD BE DELETED PER ARS FROM ALL CREDIT REPORTS.

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 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE
State: MT

Complaint narrative:
I paid this debt years ago. Velo law has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX  SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXXSETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: VA

Complaint narrative:
A few years ago I co-signed for a student loan for my niece and this information is now showing on my credit report as the co-signor. I am attempting to purchase a home and I need a letter from the servicer saying that the loan is current or in deferment. I lost contact with my niece and can not get her to get a letter on my behalf and the lender is telling me that they can not assist me because I am not the borrower. I can not close on my Mortgage loan without this information and I need assistance in obtaining it. I have four student loans on my credit report totaling {$63000.00} all beginning with the account number XXXX and without the account number or my nieces SSN they won't provide me with any information. Please help or I will lose my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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:
XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt

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 2020-01-22 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:
XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt

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 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc.
State: FL

Complaint narrative:
As a result of a CFPB complaint filed on XX/XX/2019, regarding incorrect information being reported on my credit report, FMS Inc. advised that they were in possession of eight outstanding accounts with an original creditor ( XXXX XXXX ). It should be noted that this alleged debt started showing up on all three of my credit reports without any prior notification from FMS Inc. showing sufficient verification/evidence ( specific doctor appointments, ER visits, XXXX reports, etc. ) of the alleged debt. I have reached out to FMS Inc. on numerous occasions and they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: MT

Complaint narrative:
I paid this debt years ago. XXXX XXXX  has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud USAA XXXX is a result of ideninity theft USAA did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from XXXX changed USAA last four XXXX changed to XXXX In my letter XXXX was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY USAA never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted XXXX  does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Chase has resolved the issue, and the check which was sent was returned in error as the package wasn't correctly addressed to the recipient please could it be resent to the address provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX=SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.

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