vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 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: MD

Complaint narrative:
Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From  XXXX  We have a working relationship now. However, I was asked to file this report.    Wells Fargo  kept charging me {$30.00} a month for each business account when it was supposed to be free. The accounts were opened in  XXXX   XXXX , NV where I had my  XXXX    XXXX   XXXX   XXXX  . I live in California. No matter where I called to straighten it out and get credited, it did not fix. First of all they claim they can only credit back 3 months. I first noticed it after {$800.00} was dwindled down to nothing.     I dro ve t  XXXX  hours round trip to  XXXX  to get this problem fixed, same result. When I asked for help in  XXXX , California on  XXXX   XXXX , they said we have to close the account and make a new account to fix the problem. Of course each checking account comes with a separate savings account. So they changed it to {$20.00} a month fee but told me it was free. Later in  XXXX   XXXX  I asked for help. I went to the   XXXX   XXXX   XXXX  and  XXXX  locations. The same thing happened reopen another account and another and another. I dont even know how many times this went on. For sure more tha n 4 ac count changes for  my two business checking and two required  business saving accounts in just the city of  XXXX   XXXX . Now I have a free account only I have {$150.00} Tranfer into savings and the next day transferred back {$150.00} to checking and I have to have bill pay active or they will have a fee. Another option is to have a huge daily average in the account at all times. I am not doing that. Last week I asked a couple questions and they gave me wrong information.

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 monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter warfie ld his continuing to violate the FCRA t he FDCA the tn state law. the company is claiming that I owe   XXXX   XXXX    XXXX . I do not. as per tn state law the carpet must be replaced every 5 years ( hunter warfield admitted this fact ). tn state law also states that once the company accepts any form of payment they are prohibited from any fur ther actions. on  XXXX    XXXX   the company   XXXX   XXXX   accept {$1600.00} payment which would have covered the months i was not able to pay. the amount agreed on in court  was  XXXX . as per tn state la w once money was accepted by   XXXX   XXXX   they waived the right to have any lien. Please only accept information from eagle point with my signature last time the company falsified documents to make it seem like my lease wasnt up when I left the apts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: MI

Complaint narrative:
I attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fr om 3rd party.      I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was return ed. ( See letter from c ompany and attached returned check. ) They (  XXXX   XXXX   ) Informed me they n o longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me as  a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a )  ( b ) ].   Also..   That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA law.

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 2017-04-25 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: MI

Complaint narrative:
I attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fro m 3rd  party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned . ( See letter  from company and attached returned check. ) They (  XXXX   XXXX   ) Informed me th ey no longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me a  s a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a ) ( b ) ].
Also..     That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA law.

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 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On  XXXX   XXXX    XXXX  , I received a collection letter from a Resurgent Capital Services saying I owed them {$900.00} that was purchased from   XXXX   XXXX   XXXX . It also stated on this letter that they would make an entry to my credit report, which would have detrimental affects on my credit. On  XXXX   XXXX    XXXX  , I sent them a letter stating I was not aware of having any account with their organization or with  XXXX   XXXX . I asked specific questions of the company in this letter, namely, for account statements and signature cards proving I was in ownership of said account. On  XXXX   XXXX    XXXX  , the company sent me a letter stating that they purchased this account from  XXXX   XXXX  and I owed them {$900.00}. They did not include any of the requested information, as there were no account statements or signature cards attached, In addition, I asked for a copy of the bill of sale and individual names and addresses of staff at  XXXX   XXXX  they were dealing with who sold them this alleged debt, none of which were provided to me. On  XXXX   XXXX    XXXX  , an entry was made to my credit report under the title  LLV Funding  listed as a collection account. The entry was listed as disputed and verified under the FCRA. On  XXXX   XXXX    XXXX  , this company sent me another letter saying that they were resuming collection activity on my account and I should contact them for payment. On two occasions, I attempted to contact this company to ask questions about this alleged debt, however I was told that they would not provide me account information, since there was a cease and desist on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
SANTANDER CONSUMER USA, INC is in Violation Of 15 USC 1692g and 15 USC 1692j. SANTANDER CONSUMER USA, INC and its agents failed to validate an allege debt in a timely manner as Required by 15 USC 1692G  Section  809 ( B ). Numer ous Attempts through the   XXXX   XXXX   XXXX   XXXX   were sent to SANTANDER CONSUMER  USA, INC and a response was never received. SANTANDER CONSUMER USA, INC  has an obligation to validate a debt once requested by a consumer, after failure to Validate a debt all communication and collections must cease.    SANTANDER CONSUMER USA, INC and its agent continued to harass me by phone calling me 6 to 7 times  a day and sending demands for payments after a request for validation was sent to the com pany multiple times and never responded to the request which is a clear violation of 15 USC 1692g 809 ( b ) and section 806 ( 5 ) SANTANDER CONSUMER USA, INC and its agent is also in violation of 18 USC 241, SANTANDER CONSUMER USA, INC deprived me of my property by repossession my vehicle after failure to   validate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

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 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had a client do an international wire transfer to me because I trade the foreign exchange market. I have been a professional trader, trading for my self and clients for four years now. This client sent the funds to my account and about 3 weeks later contacted his bank stating it was wire transfer fraud and he did n't know me. This client e mailed me, talked to me on the phone, sent me messages on  XXXX  for over 6 months prior to doing business and we met twice before. The client also signed an Esign on my contract. I had already made capital gains on his trading account between the time he funded the account and paid my fee an d the 3 weeks before h e claimed a dispute at his bank. When I asked this client why he made the wire transfer fraud claim, he stated he did n't plan on paying me for the work I did. He removed me as a cosigner on the trading account and got the {$4500.00} in the account . US Ban k put {$1600.00} on hold in my account with them.US Bank 's wire transfer department reached out to me right away about the situation and stated my account has to be on hold now until the investigation is over. This situation started back in  XXXX    XXXX   and still has n't been resolved up to today. I played phone tag w ith the US Bank wire transfer department and they kept telling me to contact my local US B ank primary location who put the hold on my account to have the situation taken care of. So I reached out to the  bank manager at my primary US Bank location about the situation. She told me to send her all my proof and situation to her email. I emailed her 3 times and got no response. About a month after the emails were sent, the bank manager finally called me and told me there was nothing she could do on the situation and the wire transfer department told her to leave the hold on my ac count. She stated to contact  XXXX  at the wire transfer department again who had my case. I contacted and talked to  two people i n the wire transfer department again following up and was told no one was available to discuss the situation and that  XXXX  was out of the office for a week. I left a voicemail that day and never heard anything back. I waited for another month and called again. I got no response from  XXXX  or the other main guy on my case involved in the wire transfer department. I went to another bank location in my town and contacted there email support. They both stated there was a hold on my account and only my primary location can remove the bank hold. This has been going on for over a year and I 'm looking to get the hold removed from the account.

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 2017-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc
State: LA

Complaint narrative:
Sometime in late  XXXX  of   XXXX   I received a call from  XXXX   XXXX  wit h Niagara Restitution Service loc ated in  XXXX , NY.  XXXX  stated that  XXXX  had referred my unpaid loan t o Niagara Restitution fo r collection and that  XXXX  wished to press criminal charges against me if I did not repay the loan.  XXXX  told me tha t Niagara Restitution  would proceed with filing charges in  XXXX   XXXX   XXXX   XXXX  if I did not not pay immediately. I was terrified so I agreed to make payments of {$160.00} every  two week s until paid off. At the time, I did not know that I could not be prosecuted for an unpaid loan. After doing some research, however, I discovered that the Fair Debt Collection Practices Act does not allow de bt collectors to threaten ar rest for unpaid debts. Also t he State  of  Louisiana does not allow prosecution for unpaid loans. After learning this, I stopped my payments to Niagara Restitution. I struggled to pay this debt for almost four months becau se I have an elderly parent to care for. If I was in jail I would not have the means to bond out and my elderly father would have no one to care for him.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lowe r o  ne.  Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
M y Wife a dded me to her Target Store card Issued  by TD Ba nk last month. The card came  in 3 weeks ago ho wever I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months e nd (   XXXX   XXXX . )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
We had a credit of {$100.00} on o ur American Express Optima Platinum Card  ending in  XXXX . Called the company on  XXXX / XXXX /  XXXX  , and asked them to send us a check for that amount. They told me they would do so. I called again on  XXXX / XXXX /  XXXX  , because we had received the check, and inadvertently shredded it with some other credit card offers, so I told them that I would need a new check issued to us in the same amount. They told me that this would be no problem. Please note that the card with the credit issued was under my husband 's name of  XXXX   XXXX   XXXX . I also have a card with  American Express e nding in  XXXX , and my name being  XXXX   XXXX   XXXX . Please note that when I contacted this company, I called from my home number which was verified b y American Express, an d the check was going to our home address in Pa. I received another letter from them dated  XXXX / XXXX /  XXXX  , stating that a stop payment was put on the check that I inadvertently destroyed, and a new one was issued. I received another letter  from American Express  dated  XXXX / XXXX /  XXXX  , stating that they issued the check on  XXXX / XXXX /  XXXX   for {$100.00} and to please disregard any other communications that I received from them. I called them again on  XXXX / XXXX /  XXXX   to tell them that we still had not received our check. They proceeded to tell me that they had to speak to  XXXX   XXXX  because the credit card that had the credit balance was issued in his name. My husband got on the phone and proceeded to tell them that they could speak to me regarding anything that has to do with credit cards, etc. They gave us a line that the check was going out that day! I told them that I wanted to be contacted by a supervisor, and they proceeded to tell me that no supervisors were available on that date, and that one would call me back with in 24 hours - th at never happened. On  XXXX / XXXX /  XXXX  , and   XXXX   XXXX  ., I call ed American Express from o ur home phone, and asked them where our money was. I got no where with a customer service person, like usual, and spoke with a supervisor that I waite d 10 m inutes for named  XXXX , who told me that he had to speak to my husband. It was  XXXX   XXXX   XXXX  ., and my poor husband was sleeping. I was the crazy person who was up and going nuts over the lines of baloney they gave me when it came to the money that was owed to us. He said that I would have to call back because he could n't give me any information regarding our account. At this point, I got so mad that I hung up on him, and once we get our money, if we ever get our money, I will close that account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The debt is not my. No payments were made by me on the account. I have been XXXX ( military ) during this time and ask the company to stop harassing me with letters. It has been several years later now. I still get the letters.
I did not receive the product or service provided by PayPal. I have sent replies back disputing the error. I have made two phone calls ( overseas ) to try and resolve this. The outcome has not been good. The initial charge was {$40.00} or {$50.00} USD. Now the want {$320.00} USD to resolve this issue. As soon as I found out about the account, I closed it. My bank did not pay the amount after investigating the issue. My bank was the reason I found out about it.

Company response to consumer: Closed with explanation