vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is the body of the letter I sent to the XXXX XXXX  in XXXX, OH. See attachments. 
1. The reason for this letter is in regard to your billing of my account. ( Refer to highlighted area of enclosed copy of your agreement titled How to Avoid Paying Interest. ) 2. This account was opened in XX/XX/XXXX in the amount of {$2800.00} for the purchase of XXXX XXXX from XXXX XXXX XXXX. 
The end of XXXX we contacted your customer service line concerning this account as we had not received a payment notification yet. We were told at that time the account had not yet been set up and they could tell us nothing about it until after XX/XX/XXXX. 
Finally about XX/XX/XXXX we received a statement on the account. To my surprise there was interest charged. This is a problem as this was the first statement on this account. Why was there interest charged? 
The account was paid in full, {$2800.00}, this included the incorrectly charged interest, and the current statement received today confirms that it was paid before the cutoff date for the billing cycle. Our bank shows it cleared your payment on XX/XX/XXXX. 
The issue here now is the fact that there is an interest charge of {$18.00} when there should be none and the {$16.00} from the first statement should be refunded. This is per, again, your agreement statement that reads Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due day each month. Which the entire balance was paid. 
3. Therefore, we request that the current interest charge of {$18.00} be removed from the account and that a refund of {$16.00} be returned to use in cash or check. This will make the balance XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
I have received a letter from " Linebarger Goggan Blair & Sampson, LLP Attorneys at Law '' repeatedly over the past year. It claims that I have the amount of {$87.00} due to " XXXX XXXX XXXX '' with a 6 year old license plate from Florida. 

It claims " Our law firm previously sent to you a letter regarding your debt with XXXX XXXX XXXX ( XXXX ) for unpaid tolls and related fees in the amount of {$12.00}. You have failed to respond to our correspondence and we are assuming that this debt is valid. 
According to the XXXX, you have an additional outstanding debt in the amount of {$75.00} for unpaid tolls and related fees. Unless, within thirty days after your receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt to be valid. If, within thirty days after your receipt of this notice, you notify us, in writing, that the debt or any portion thereof is disputed, we will obtain verification of the debt or a copy of a judgement, if any, and mail it to you. If the original creditor is different from the creditor named above, then upon your written request within thirty days after your receipt of this notice, we will provide you with the name and address of the original creditor. 

Payment can be made by credit card by logging on to XXXX   ... ... '' This company is a scam. I contacted the REAL XXXX XXXX XXXX  at their REAL website and they have NO record of me owing money on a missed toll. I have the XXXX in my vehicle and have never not paid a toll. 

The amount of mail that I receive from this SCAM is insane. I get a letter once a week. If you look up the " Linebarger Goggan Blair & Sampson scam '' you will get all the information you need!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Someone hacked my XXXX  acct which is connected to by Suntrust bank card on XX/XX/2018 for {$1100.00}. there where originally 5 different transaction transferred for {$100.00}, {$100.00}, {$400.00}, {$400.00} and {$500.00} total XXXX but one of the {$400.00} got flagged and cancelled and was refunded. I got an fraud alert from the bank for the 2 {$100.00} transactions which was the first 2 that happened at XXXX these transactions happened from XXXX. First off why did it take them so long to notify me and from my understanding when a fraud alert is sent the card is placed on hold until you are able to verify transactions. well that was not the case here because the hacker was able to make 3 additional transactions 1 in which we know was stopped and returned.. my question is why wont they all immediately stopped? They got XXXX in 5 mins which could have been prevented if they had placed card on hold when the first 2 initial alerts came in. So i file a claim of course and they denied it saying that the transactions match my spending habit! Are you serious? There is no where in my bank transaction history that suggests that I spend that kind of money on a regular because I don't because I don't have that kind of money just to be sending random people. So i file a rebuttal claim and sent them the transaction history for that day. after i called bank regarding the fraud claim and my card was closed someone else tried to request another {$1000.00} but didn't go through since i had already removed card info and that claim was denied as well because i didn't provide any additional info from the first time. Now i'm no computer genus to know how to track down a hacker. Its that the job of the fraud department to find out where and whom my money was sent to? Now i have to wait again on XXXX to respond to my request for help because they didn't the first time. All i want is for Sun trust to do they job and find my money so i can get my money back.

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 2018-04-10 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: ERC
State: IA

Complaint narrative:
1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX  and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. 
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: IL

Complaint narrative:
I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to Experian, XXXX and XXXX  and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.

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 2018-04-10 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: Law Offices of Robert J. Colclough, III
State: IA

Complaint narrative:
I have never ordered any product from this company, I have never lived at any address in which it was sent, and it is included in my police report detailing the fraud that has occurred. Please review the attached documentation ( ACCOUNT EIGHT ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We had a Bank of America sba loan and we had settled and paid off the loan in XXXX. We had the house as collateral, so Bank of America had a lien on the house and loan was paid off and the lien still on the property. We tried calling and going to the bank where we paid and they told us they dont have record of it. 
They directed us to you for best solution. 
We are currently selling the house and we are in escrow thats how we found out. 
Escrow closes XX/XX/XXXX and we need this lien off. 
Thank you for all your help 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 2018-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to XXXX, XXXX and XXXX and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: CA

Complaint narrative:
On XX/XX/XXXX I uploaded on experian.com/XXXX  successfully my dispute letter and credit report to Experian about public records they are reporting by error on my credit report. I also provided them with a copy of my driver 's license with my current address to provide identification. 

I called yesterday XX/XX/XXXX to check on the status of the investigation but the representative said that they had not investigated anything received onXX/XX/XXXX. Experian is suppose to contact the data furnisher of this disputed information within 5 days of a dispute. They did not and this is a violation of the Fair Credit Reporting Act.

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 2018-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I Sent a certified letter to the company on XX/XX/XXXX, requesting a validation of debt. I received no response. After receiving a letter from an attorney around XX/XX/XXXX regarding XXXX XXXX, I faxed a second letter request verification of debt. I received no response from my letter, instead they send a letter to the clerk of court and a copy to me. This company has never verified this debt to me and now it sounds like they are threatening me with a court appearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: CA

Complaint narrative:
About XXXX lost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes. 
1. XXXX XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit. 
XXXX XXXX XXXX  XX/XX/XXXX is not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX  XXXX XXXX XXXX. for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I stop by Bank of West branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, CA XXXX. I request a check to be cash it. I was questioned, if I were a Bank of the West customer? I respond it with a NO. I was explain that in order for them to cash my check they will deduct a charge of {$7.00} dollars, XXXX XXXX XXXX question me, why I did not cashed at my bank?, Reluctantly, I request for the check to be cash it. XXXX XXXX request my California ID and proceed to write down my license number and all the information in my clients check. I stop her, I told her clearly, I was not giving permission to provide my personal information to my client or anybody else, she could write the information into the bank computer system but not to my client trough the check. 
XXXX XXXX told me that it was procedure and if I want the Bank of the West check cashed, she will need to do written down in my clients check. I told XXXX XXXX that was not true and I need it to speak with her manager, her respond was that she was at lunch, if I want it to wait for her. I request for the check to be return it to me, that I will complaint about the charge to cash a {$500.00} dollars check and to the fact the she was giving my personal information to the check account holder without my permission.

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 2018-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/XXXX- Tried enrolling for an online account with barclay using credit card. 
Issue occurred, my information did not match credit card. Odd because it had my name of the credit card. So my next choose was to wait for an paper statement. 

XX/XX/XXXX Received a call from XX/XX/XXXX. Customer Service told me that my bill was past due. I never received a paper statement as to when my bill was due. I address the issue that about never receiving paper statement for bill. Lady then stated " that this is not our fault, XXXX is responsible that. '' " you do not have to pay now but the charges will increase. 
I paid the charge but felt it was not fairly handle by the credit provider.

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 2018-04-10 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: Southwest Credit Systems, L.P.
State: IA

Complaint narrative:
1 ) The address provided to and reported by Southwest Credit Systems is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 2 ) XXXX does not operate in Iowa, where XXXX XXXX resides. 
3 ) Southwest Credit SystemsXXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/2018, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Southwest Credit Systems and XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: VA

Complaint narrative:
Hello : I noticed 2 inquiries on my credit profile dated XX/XX/17 one from XXXX and the other XXXX. Neither company had a permissible purpose as I did not authorize or apply for any service or product with them. I contacted both companies and they are unable to provide any proof or information and advised me to contact the credit bureau to have the issue corrected. Unfortunately, the bureau just sent me correspondence stating that inquires are " factual record of file access ''. Nothing tangible or physical to validate the inquiry. Obviously, as a consumer it is evident that an inquiry overall is supposed to be a factual record of file access. However, my concern is that the inquiries listed should not be there in the first place. Therefore, there is a flaw in the supposed " factual record '' excuse I was provided. The information is factually incorrect. The inquiries were not authorized, non-permissible, and must be removed. I contacted customer service and was advised to contact the CFPB as the credit bureau is unwilling and the supposed creditor listed is unable to assist as they have no information available ; having provided them information. My countless efforts to rectify issue leads me here to CFPB. I seek your assistance to have the erroneous entries removed. Your help is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XX/XX/18 as well as XXXX  and Transunion and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.

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