vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, good afternoon, I have original open a dispute with Wells Fargo Bank on XX/XX/XXXX under claim numbers # XXXX & XXXX. no purchase Intl Authorization on XXXX XXXX XXXX , original I made my vacation reservation with XXXX for my plan vacation I was the charge for the rental car for XXXX . I have my email for XXXX with my original reservation for my travel plans. according to WellsFargo, the did not open my claim dispute until XX/XX/XXXX or it was not assig to a representative to work on my claim until then. According to their guidelines, the have 10 business days to open the dispute and review the information the original dispute was done online on XX/XX/XXXX. according to Wells Fargo, it was open XX/XX/XXXX according to them they notified visa the merchant they have by law 45 days for XXXX to respond regarding the issue. XXXX respond on XX/XX/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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
XX/XX/2020 On XX/XX/XXXX I received a phone call from Hyundia Motor Finance about billing, during the conversation I asked what is needed today to bring the account current, I also advised the customer service representative that I was very concerned about any late payment applied to my credit report. I was told if you make a payment today in the amount {$460.00} plus a processing of {$7.00} NOTHING will be reported to your credit report, she continued to say all calls are recorded as verification therefore, I agreed. A payment was made at the time of the call. ( Hyundai Motor Corp sent me a letter for payment confirmation ) Five days later I get a notice from all Reporting Agencies / Late payment ( s ) reported by Hyundai Motor Corp.

I followed up with Hyundai Motor Corp. with a letter addressing this issue, no response back, now they sent it to collections.

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 2020-10-13 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I received orders to deploy immediately via permanent change of duty station and had to move out of my apartment with short notice. The apartment complex was XXXX on XXXX in XXXX Texas at XXXX XXXX XXXX XXXX. Upon move out a water valve in the apartment for the washing machine failed and caused flooding. This equipment failure has nothing to do with my actions and caused a very stressful situation in my apartment trying to get the water shut off. The apartment complex added almost {$400.00} in water abatement fees to my final rent statement, which I disputed as I was not at fault in the matter. During the dispute timeframe XXXX on XXXX changed management companies and the new management company ignored my dispute and sent the statement into collections. Rentdebt inc received the collections notice and notified me. I contacted XXXX on XXXX to continue the dispute and explain the situation. XXXX on XXXX offered to review the final statement and while I awaited the results of their review the account formally entered collections. I have contacted rentdebt and paid the original amount owed in XX/XX/XXXX as I felt there was no recourse for me. I am a federal employee with a clearance and I am applying for new federal positions which do not accept applicants with accounts that have been in collections ( Army Chaplaincy and a federal law enforcement agency ). I know there are consumer protections to prevent property management companies like XXXX on XXXX from erroneously charging excessive or unfair fees upon move out but at this point I feel like a victim of a massive real-estate company sticking me with the cost of their lack of building maintenance and have no other recourse than to continually dispute the entire affair. I have explained the situation to Rentdebt inc and they have refused to remove the account from my credit report. I have disputed via XXXX   twice with no change. Please investigate and assist me with this predatory leasing/landlord situation. XXXX on XXXX leasing office can be contacted at XXXX and rentdebt inc can be contacted at XXXX. I can be contacted at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
I paid my bill in full. The collections was deleted from my report but still remains on my report as a reason to why my credit score is still lowered. I was told when I paid in full it would be removed from my credit report and increase my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My son is a XXXX individual who can be easily taken advantage of in this case there was numerous forms of fraud committed on his account excess use of his card being used on an XXXX  account which he doesnt have when I found out about the charges I contacted the unemployment development department And Bank of America XXXX card services to file the claim and open up an investigation they provided us with a new card for my son and also put a provisional credit on his card on XX/XX/2020 my son went to use his card and it was declined at the grocery store when we called the card To see why it was being denied we found out by the automated system that his account was negative over {$6000.00} and that was the amount that had been compromised I contacted the claims department and they directed me to contact the unemployment department I did just that however they had nothing to do with that money Bank of America Prepaid card services had reversed the charges after they sent me a letter that they had found the claim to be in my sons favor when I spoke with the representative she in fact stated that they had a right to do that is to my understanding that once there is a decision made they can not change that decision I had called back because I was hung up on was left on hold for three hours To be told that they were going to send this over to the claims escalation department and remove and reverse the charges however the representative I was speaking with was rude and seem short and all of a sudden once again my car got disconnected by the time I called back that department was closed and I had to wait until Monday to try to call back to rectify the situation which I did was on holdFor two hours just to be told that they were going to escalate the issue again and make their decision and I would receive a letter in the mail Im not understanding why they would have to submit another claim to rectify the situation when I already had gotten a letter that they had found it in my sons favor with that being said the money that has been deposited onto his card is also being take him back and he has not been able to pay his rent or bills since XX/XX/2020 I asked him when this situation will be rectified and I was told That I would get a letter in the mail frustrated and upset with the overall situation I gave up I am looking for some assistance to obtain my sons money back considering this is his only source of income during these hard times

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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMCB Auto Finance is currently reporting on my consumer reports that I have ( 1 ) 30 day late reporting for the month of XX/XX/2018. During that time I had issues with the auto bill pay at my bank as they did not send my payment electronically but it was scheduled to be sent via mail. I was unaware that my XX/XX/18 payment was not received and I was not contacted by JPMCB Auto that my payment was past due. I honestly thought the payment was made. When I realized the funds never cleared my account I made a payment immediately on XX/XX/18. I contacted JPMCB Auto customer service to find out why I was never contacted and to discuss a solution to this matter. I was told that it would not report as a missed payment on my credit, but it did in fact report as a 30 day late. I have had stellar payment history outside of this 1 occurrence and I am currently on pace to pay my vehicle off early as I have been consistently making additional principal payments to the loan for the past 2 years. In conclusion, this negative 30 day late mark on my credit is impacting my overall payment history and preventing me from purchasing a home mortgage. I strongly feel it is truly unfair that I was never contacted or informed of the missed payment and misled to believe it would not impact my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I leased a XXXX  XXXX from XXXX XXXX  pa Mercedes Benz the second day Im having issues I took it to the dealer for repairs 2 times Im still having the same issues. I contact Mercedes Benz customer service theres no help Im thinking of hiring a lemon law lawyer if this issue not resolved I requested from Mercedes Benz customer service to exchange the car or refund they ignored my request the car has only 500 miles on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank, the issuer of the Amazon Store Card does not make statements clear to determine the minimum payment needed to avoid interest. I called after the XXXX statement was released to ask for the amount as the statement itself does not make it clear. The service representative responded with an amount of which I paid. Checking the latest statement, I was still charged interest on a balance which I am unable to calculate with the information provided in the statement. This is the 3rd time this has occurred where I have paid off any non-promotional balances and still have been charged interest. Both times in the past I have called the customer service center and they reluctantly refunded the interest charge after a long and rude conversation from the rep with no actual explanation of how they arrived at the supposed balance to which interest was applied. It is my belief that Synchrony bank is conducting business in a manner which incorrectly charges interest to customers in the hopes that we will not want to deal with the hassle of dealing with customer service and just pay the interest. I pay any non-promotional balances every month for this card without fail and I am still being charged interest. Please advise.

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 2020-10-13 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: AZ

Complaint narrative:
TransUnion reports a 'Serious Delinquency ' and 'Unknown time ' of the delinquency to entities using their XXXX credit scoring product but my report does not show any derogatory entries, not am I able to locate any information in my report to substantiate these claims. Attempts to contact their customer service group by postal mail or phone to obtain information about this discrepancy have not been fruitful, with either generic form letter responses or agents who are also unable to find any information in my report to explain these 'reason codes. '

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 2020-10-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my 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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my 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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: AR

Complaint narrative:
A judgement for Discover Bank was mail to me on XX/XX/2019. I never knew that I had a judgement against me until this date of XX/XX/2019. I stated that I had never gotten served papers for this judgement. The organization XXXX XXXX XXXX XXXX claim that they serve me papers. The Affidavit of Services paper that was sent to me. Is not the descriptions of me or anyone in my family. I have attach my drivers license to show proof that they didnt serve me papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: MO

Complaint narrative:
There's an unknown account reporting on my credit file inwhich i have no knowledge of. In the past this has been an issue after my identity was lost and unfortunately compromised. I've reported such to the 3 major credit reporting agencies many months ago. Therefore, I'm demanding the immediate removal of this unauthorized account. Please block this account. 

1. XXXX {$190.00}

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 2020-10-13 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:
XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX & XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # 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