vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: ECMC GROUP, INC.
State: WI

Complaint narrative:
I have a loan with ECMC, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ECMC, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
I own a XXXX timeshare at XXXX XXXX in XXXX XXXX   XXXX in PA. I have owned this timeshare for over 20 years. The annual maintenance fees have steadily risen and differ from year to year. I always pay my annual dues and have generally enjoyed traveling with my timeshare. This year I never received a bill for the timeshare maintenance fees. Instead I received a notice from a 3rd party collection company with an added fee of {$310.00}. I emailed XXXX and asked why I never received an invoice. The email reply from them advised me to call their office since their policy is not to discuss via email. When I called the XXXX office, they discovered that they had an old mailing address on file for me and that is why I did not receive the invoice. Note my XXXX address is the same address to which they sent the XXXX invoice the previous year - it has not changed. I asked XXXX to remove the {$310.00} collection fee ( since I never received the invoice ) and allow me to pay my bill. They said they could not and that I would need to call the XXXXXXXX XXXX and make the request to the general manager of the resort. When I called the XXXX XXXX I was told that they would not negate the {$310.00} fee and that I needed to settle everything thru the collections company, Aspen National Collections. I called Aspen and of course, they want me to pay them the timeshare maintenance fee plus the {$310.00} collection fee. I am asking for XXXX XXXX XXXX ( XXXX ) to pull this account from collections and allow me to pay my bill without penalty. This is an unfair practice to penalize me when I did not get a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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: NJ

Complaint narrative:
I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently 30, 60, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my 7 to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all 3 creditor agencies and I believe this is wrong creating me hardships at this time.

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 2020-08-11 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: NJ

Complaint narrative:
I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently 30, 60, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my 7 to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all 3 creditor agencies and I believe this is wrong creating me hardships at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: BRite Financial Services, Inc.
State: WI

Complaint narrative:
I have a loan with XXXX, BRITE FINAN, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BRITE FINAN, and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have a loan with XXXX, XXXX XXXX, and CB/VICSCRT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX, and CB/VICSCRT with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: American First Finance, Inc.
State: WI

Complaint narrative:
I have a loan with AMER FST FIN and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST FIN and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The Nationwide Credit Inc is a credit collection company that represent the XXXX XXXX to collect an alleged account that was previously reported to XXXX XXXX. A previous letter was sent out to XXXX XXXX inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by XXXX XXXX of {$7500.00} and now the NCI took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.

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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I had no knowledge of this account. 
They never tried to contact me this isn't mine.

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 2020-08-11 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The XXXX XXXX XXXX is a credit collection company that represent the American Express to collect an alleged account that was previously reported to American Express. A previous letter was sent out to American Express inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by American Express of {$7500.00} and now the XXXX took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XXXX XXXX, XXXX XXXX, XXXX XXXX. 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 check 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX, along with U.S. Bancorp AND Elan Financial Services, cancelled my XXXX Visa Rewards card ( last four digits XXXX XXXX per attached letter dated XXXX XXXX, 2020 ( received XXXX XX/XX/2020 XXXX. Reason given, per attached letter, " Your account was reviewed by a credit scoring system that assigns points based on pattern of usage for your account. We are unable to renew your card because your account did not score sufficient points on the following factor : Your account has been inactive for at least 12 months '' I was at work and got " USPS informed delivery '' email that I had letter from " Cardmember Service ''???, then read letter when I got home that advised that Visa Card was cancelled, with no identification of what financial institution visa, just last 4 digits of some card. In fine print at bottom of letter, it stated Elan Financial Services - still did not know what this meant, except that Elan is a very poorly rated financial company, with a ranking of XXXX out of XXXX, and known for very poor services with many alleged allegations of fraud. Then I learned that the card is my Fidelity Visa card which I have always been proud to own and is tied to and reported on my Fidelity Accounts - This shocked me that Fidelity would let me down after so many years of being a faithful customer. 

- My credit score is XXXX out of XXXX XXXX Score. US Bancorp, Elan and now Fidelity have numerous reports of impacting credit  ratings after canceling credit cards - The Letter makes no mention of the rebate point/dollars ( REWARDS ) that were earned over a decade in having this card - Fidelity heavily promoted this Fidelity Visa Rewards Signature card, which is a main reason why I applied for the card, which I was proud to own, especially with the 2 % cash rebate provision - The Card user agreement I signed made no mention of a minimum yearly usage requirement - if it had, then I would have used it more often. 
- There was no pre-notification letter from Fidelity that I needed to use this card more often, or it would be cancelled. There was no pre-notification whatsoever, except for the attached letter that came " out of the blue ''. Elan Financial Services is such a schlock outfit, they had to put there name in very small type in the footer of the letter. 
XXXXThis is an outrageous fraud on the public where Fidelity , US Bancorp and Elan are purposefully creating fraud by damaging my credit rating FIDELITY , AND THE COMPANY FIDELITY IS  PROPPING UP AND HIDING BEHIND, US Bancorp and Elan Financial Services MUST MAKE FULL DISCLOSURE AND CORRECT THIS DAMAGING PRACTICE OF PURPOSEFULLY DAMAGING THE CREDIT SCORES OF UNSUSPECTING PERSONS THAT HAVE ALWAYS TRUSTED FIDELITY   TO DO THE RIGHT THING.

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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I have a loan with FMC-OMAHA SERVICE CT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FMC-OMAHA SERVICE CT with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a loan with CB/VICSCRT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CB/VICSCRT with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I have a loan with AM HONDA FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and AM HONDA FIN with no successful resolution. XXXX, XXXX  only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESBANCO BANK, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I open a certificate of deposit for {$100000.00} with XXXX XXXX XXXX/WesBanco Bank for 5 years and now the certificate of deposit has matured on XXXX, and on XX/XX/XXXX WesBanco have refused to issue my {$100000.00} back to me along with interest the I have earned of {$9000.00} on this account. According to XXXX XXXX XXXX XXXX her bank do not have XXXX on hand. I have honored my five years a agreement with WesBanco bank but WesBanco have not honored their agreement with me, therefore, I am requesting legal action be taken against WesBanco Bank for fraud. WesBanco Bank is located at XXXX XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: GA

Complaint narrative:
My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the XXXX breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXX  {$110.00} 2 ) XXXX XXXX  {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX  {$730.00} 5 ) XXXX XXXX {$60.00} 6 )  XXXX  {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 )  XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 )  XXXX XXXX {$500.00}

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was trying to add my Visa visual wallet PNC bank card to my XXXX XXXX   and it says that the card cant be supported to this app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an account with them 4 years ago and they immediately closed my accounts without providing any reasons at that time. I chose to submit to humiliation at that time. However, I was trying to give them a second chance last week but they did the same thing again - closed my checking and saving accounts on the second day that I opened them. Again, no reasons! I have banked with serval banks and never seen such a ridiculous bank like XXXX. Will never do any business with them anymore for my whole life!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: GA

Complaint narrative:
My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the Equifax breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXX  {$110.00} 2 ) XXXX XXXX  {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX {$730.00} 5 ) XXXX XXXX {$60.00} 6 ) XXXX {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 ) XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 ) XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: GA

Complaint narrative:
My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the XXXX breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXXXXXX {$110.00} 2 ) XXXX XXXX {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX  {$730.00} 5 ) XXXX XXXX {$60.00} 6 )  XXXX {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 )  XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 )  XXXX XXXX {$500.00}

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Back on XX/XX/2020 I purchase a DNA Health kit from XXXX on my Capital One Credit card. XXXX had issues in the system and the system double charged me. After long issues and waiting they got me my refund for the extra charge. I then waited almost another month before remembering I didn't get my DNA kit because XXXX attempted to charge my credit card yet again for a membership to go with the kit and the results. Well, I hadn't gotten the kit yet. I then reach out to XXXX about the issues and tell them to stop charging my card and get me a refund. After a long period of time they do. ( XX/XX/2020 XXXX - XXXX {$110.00} Provided by XXXX ) I don't pay attention to it until today XX/XX/2020 when I notice I still haven't gotten it. I call XXXX who gives me the XXXX and attempts to wash their hands of it saying my bank has it on hold. Capital One refused a Supervisor and has charged me interest on this missing money. They refuse to do anything other than saying " Call back again tomorrow and maybe you will catch someone who can see that. '' When did processing transactions become the consumer 's problem?

Company response to consumer: Closed with non-monetary relief