vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw this account with XXXX XXXX XXXX XXXX on my Experian credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank without my knowledge or permission withdrew money from my checking account to pay the fee for my safety deposit box! As a result one or more of my checks drawn on my checking account bounced and TD Bank then charged me bounced check fees! I have always in my own hsvevmailed in a check to TD Bank to pay the safety deposit box fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-26 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: FL

Complaint narrative:
I saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
in XX/XX/2018 I disputed a inaccurate Bankruptcy on my credit report with TransUnion. In XX/XX/2018 they replied back and stated that it was verified and accurate. On XX/XX/2018 a security freeze was in effect on me with XXXX I have proof and enclosed copies of the conformation. On XX/XX/2018 a security freeze was in effect on me with XXXX and I have provided copies of the conformation security freeze. on XX/XX/2018 I wrote the US Bankruptcy court with the address provided by Transunion and I wrote the court asking do they give any information to credit bureau ... The court replied back to me stating that they do not give out any information to any credit bureaus. I have proof of this also provided. on XX/XX/2018 I sent certified letter to Transunion asking them to reinvestigate the inaccurate bankruptcy on my Transunion credit report. THEY ARE NOT GIVING OUT 100 % ACCURACUY INFORAMTION, Because they was giving out inaccurate misleading information on my credit report.. I have the Certified mail receipt that I sent Transunion a letter asking for verification and to reinvestigate the inaccurate bankruptcy on my file,, I even sent the all my security freezes and letter from the court that the court do not give out any information to the credit bureau TRANSUNION. They received the certified letter on XX/XX/XXXX, XXXX have copies of the delivery notification that they received the letter, Transunion was given 30 days to reply to my certified letter from the date of signing for letter and to respond and give me information on the verification and reinvestigate ... Todays date is XX/XX/2018 AND TODAY IS THE 30TH DAY I haven't gotten a response from Transunion and they have violated my rights,,, I been waiting on a response from them and they have failed to respond to my certified 30 day letter, they are liable for nun compliance, Transunion has failed to respond satisfactory with in 30 days of my letter. TRANSUNION HAVE NOW VIOLATED FEDERAL LAWS BY NOT PROPERLY INVESTIGATION WITHIN REQUIRED TIMEFRAME, AND I HAVE PROOF OF ALL THE RECEIPTS,

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 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
On XX/XX/2018 I sent certified mail letters with return receipt to the collection agency Commonwealth Financial to validate the alleged debts that were on my file. This company is attempting to collect debt on several collection accounts on my file. The accounts are as followed : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Commonwealth Financial currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. 

I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Commonwealth Financial validating these alleged debts. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate these alleged debts. If these collections are not deleted I might sue for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: TN

Complaint narrative:
Account on my credit report has been reaged and is not reporting the correct information. 
Date opened is incorrect and account numbers do not match what is being reported on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a bank account with Citibank. After I verified my identity by answering various questions, it said it was unable to open an account but provided no reason. I do not owe the bank nor am I in XXXX or 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 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have sent money to a professional colleague ( a physician in XXXX ) more than 20 times in the past, but suddenly WU is refusing to disburse the money to him. They admit they have received the funds from my bank account and have confirmed via email that the funds are available -- but they refuse to give him the money.

WU sent me the following confirmation : Thank you. The payment for your money transfer has been received and is available for pickup.

[ My recipient -- name redacted here ] will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
If you have any questions, contact us anytime. 

Thanks for using Western Union. 
XXXX This is your proof of payment for the money transfer below. 
_____________________________________________________________________ Your tracking number ( XXXX ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET However, when my recipient attempted to pick up the money, he was told the transaction had been blocked. When I inquired, WU simply stated " We checked and reviewed the tracking number you have provided us, due to various laws and regulations across the countries where we do business, we can not complete this money transfer to this receiver. '' Their so-called " customer care '' representatives tell me that there has been no change in the rules for sending money to XXXX, but they refuse to tell me why they are blocking the funds from being disbursed to this physician.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
On XX/XX/2018 I sent a certified mail letter with return receipt to the collection agency Wakefield & Associates to validate the alleged debt that were on my file. The account are as followed : Account : XXXX  The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Wakefield & Associates currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Wakefield & Associates validating this alleged debt. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate this alleged debt. If this collection is not deleted I might sue for violation of the FDCPA.

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 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The debt is with XXXX XXXX XXXX now being held by Midland. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over XXXX. Midland is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: GA

Complaint narrative:
In XX/XX/2018 I sent a dispute to Experian regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Experian, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.

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 2018-08-27 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Financial did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.

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 2018-08-27 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: GA

Complaint narrative:
In XX/XX/2018 I sent a dispute to Equifax regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Equifax, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, XXXX   still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The debt is with XXXX XXXX XXXX now being held by XXXX. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over 1000. XXXX is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I was contacted a couple of months ago by XXXX XXXX at First Tennessee Bank telling me that the bank needed to change the name on my business account to reflect more accurately the type of business I was now in. I told her that my company name was XXXX XXXX XXXX and that was what was registered with the Secretary of State of Tennessee. It also was what I had registered with the Internal Revenue Service, it is what is printed on my checks, and it is the name that my continuous bond is registered with U.S. Customs. I told her the bank could not change the name of my account from it's legal DBA name. I then received an unsigned letter last week from First Tennessee Bank saying that I had agreed that First Tennessee would have the authority to terminate my account. I certainly never agreed to allow the bank to close my account without cause. I believe my account was opened in XX/XX/1994 so I can not recite the exact terms I agreed to and they furnished nothing in the way of documentation, what terms I agreed to when I opened my account. I realize that banks find small business probably more of a nuisance and so are not big on providing them customer service but I have always maintained my account in good order. Being a XXXX XXXX XXXXt and also have my XXXX degree in XXXX I do know that a bank can not force companies to change their name on their account to something like " Guy who sells stuff on the internet '' when his legal DBA name for the corporation is XXXX XXXX XXXX. Either this is an attempt to harass small business into closing their accounts or the bank is actually going to change customer bank account names from the name under which they do business. Either would certainly exceed the authority a bank has over my money. This has caused me tremendous damage both in time and angst in having to relocate my account and also being told that I can not talk to someone in compliance because they don't talk to customers. I am therefore wishing to file a formal complaint against First Tennessee Bank. I will be happy to furnish whatever documentation you require. 
I have also filed this complaint with the Office of the Comptroller of the Currency and will be filing with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/2018 I sent a dispute to TransUnion regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to TransUnion, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.

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 2018-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
Company called after XXXX ( 15 USCS 1692 ) to collect debt and frequently calls multiple times everyday. 

Additionally, company has illegally tacked on late fees to this account EVERY MONTH it has been open despite having checks DATED AND MAILED directly from my bank prior to the end of the grace period and intentionally posting them to my account as LATE for MULTIPLE accounts resulting in THOUSANDS of DOLLARS in EXTRA Profits. 

Company also purchased EXTRA INSURANCE on my property ( although a policy has been in place for over a year ) and is trying to bill me for the cost of the insurance the purchased although the current policy meets their requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I believe Wells Fargo has misapplied my principal payments on my account. I signed up for the bi-weekly payment option to pay half my mortgage payment every other week. In addition, when I signed up for this service, there was an option to apply an additional amount to the principal that would be divided into two equal payments ( per the online disclosure confirmation ). Wells Fargo did disclose that any partial payments would be held in a suspense or unapplied account until a full contractual payment is received, which was fully disclosed and appropriate. However, it did not disclose that any principal payments would be held in the same manner. As a matter of fact, the online Transfer Confirmation discloses when the transaction will take affect and states that a recurring payment that falls on a business day will take effect the same day. If a recurring payment falls on a non-business day or holiday, it will take effect the next available business day. Therefore, these principal payments should be applied when they are received every 14 days. Currently these principal payments are being applied the same day the full contractual payment is received. I have attached further explanation and documentation to support this unfair practice. 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