vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom  It May Concern,  I have an account with  XXXX   Student Loans ( Federal ) I recently had an informative phone conversation with a represent ative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX   XXXX   over 60 days after I had a payment due. As a result, the late payment was reported to my   credit score.
On top of that, my email and phone number were not update  d with  XXXX  Thus, I was not receiving any communication.  ( I have since updated both my phone number and email address ).

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 2017-05-26 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: AZ

Complaint narrative:
To Whom  It May C oncern, I have an account with  XXXX   XXXX    XXXX    ( Federal ) I  recently had an informative phone conversation with a representative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX    2015, ove r 60 days after I had a payment due. As a result, the late payment was reported to m y credit score.      On top of that, my email and phone number were not updated with  XXXX  Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).

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 2017-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased items at Kohl 's on XX/XX/XXXX that totaled over {$200.00}. I paid for the purchase using a combination of Kohl 's cash, XXXX gift cards, and my Kohl 's credit card account. After all credits were applied, I still ended up putting {$120.00} on my Kohl 's credit card. On XX/XX/XXXX, I returned one item totaling approximately {$31.00}. The Kohl 's employee that took my return told me that the refund would go back on my card. I assumed that she meant my Kohl 's account. A couple of weeks later, I went online to check my Kohl 's balance and noticed that I never received my refund to my Kohl 's account. When I call their Customer Service number, I was advised that the refund went back to a XXXX gift card that belonged to my sister. When I told them that they  sent my refund to another person, they told me there was nothing they could do about it because that is " how the system works ''. They told me to call my local Kohl 's and talk to them about it. I then called my local Kohl 's and had several conversations with a manager and eventually, the store manager. Both employees advised me that my refund was sent back to the XXXX  gift card automatically because that is how the system works. I was offered store credit for my purchase ; however, neither subject seemed to care that a system is in place where a customer 's refund money can be sent to someone else. Also, I did not want my refund in the form of another store credit. I wanted it to go against my outstanding balance to lower the amount that I owed. I was told that this was not an option because the " computer would not let them do it ''. This whole situation is not ok. My refund money was sent to someone other than me. Then they would n't refund the money to my account because they want to force me to spend it at Kohl 's again. I was also told that my sister would have to call Kohl 's to have the money re-issued. This is not acceptable. They sent my money to someone else, so they should get it back. In this instance, the money was sent to my sister. I was able to just get it from her ; however, what if my sister did n't want to give me my money? What recourse would I have? I have already complained to the BBB ( see attached files ), but Kohl 's response does not address the issue of the system that is in place. I have also complained to the Illinois Attorney General, but have not received their response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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 am appalled at the response from my complaint #  XXXX  in which you claim to have verified the bankruptcy on my file with the verbiage "   XXXX   has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United S tates Federal Bankruptcy Court '' I would love to know how that can be. You did NOT conduct an investigation into this and neither did your third party   XXXX   XXXX . The bankruptcy court does not furnish nor verify with anyone without a court order the contents of the bankruptcy. A person sitting on a computer looking at a website is NOT verification.     If in fact there was an investigation, please provide your method of verification, with whom  at the County Clerk you spoke  and the time and date of the verification. A verification means it can be subpoenaed in a court of law. I am certain that this was NOT done. I know this because I personally went down to the courthouse and verified with the clerk herself that this method does not follow the guidelines of the FCRA and FDCPA which you are in violation of here.     I have suppressed the date from being reported by YOUR third party vendor who you claim made this verification. So, if the third party suppresses the information, then how on earth can it report and verify to you the information is in fact true? This means either you or your third party vendor could not be bothered to rectify my complaint and just dismiss me without any viable proof other than your statement that the information is true and just.     Without proof, there is no court on earth that will " take your word for it '' because a third party vendor decided not to do his or her job.     I am sick and tired of writing complaints and letters and pleading with you that I face bodily harm while this information is reporting on my credit file. If anything happens to me, my next of kin will be ready to testify that your negligence will be held responsible for any harm that is inflicted on my body or person. They will sue for the maximum possible punitive damages again st you. See attached court  case.     Please remove the unverified and falsely reported and suppressed bankruptcy from my credit report.

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 2017-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC
State: NY

Complaint narrative:
On  XXXX   XXXX  the  Weinberg Mediation group left a message with my social security number, my birthday, and a false docket number on my parents voicemail. They stated that I needed to call to resolve a debt. I called the court to which they said this docket number existed and they said that is not their docket number. When I called the Weinberg mediation group myself to see what this was about they were threatening and even went as far to tell me they were lawyers and they know people in my county ca n't pay their bills. They also told me I have children and should be ashamed of myself. When I told them what information I found about what they are that they are not lawyers they told me they were glad I could read and used vulgar language. They call 4-5 times a day to my phone and my parents phone  leaving threatening messages. When I asked them to send me something in the mail they said they did n't have to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My complaint is regarding an excessive deposit hold time policy on a deposit with Huntington Bank. On XX/XX/XXXX I did a mobile deposit for a check from XXXX XXXX XXXX XXXX for {$8800.00} into my checking account. This is an in state check from a bank for under {$10000.00}. Now I have heard of a 1-3 day deposit hold in cases of personal checks, out of state checks etc. Huntington has incredibly put a hold on these funds until XX/XX/XXXX. So that is 10 calendar days and with the XXXX XXXX  holiday that would be a 6 business day hold. This is entirely unacceptable. I called and asked for a supervisor, they stated that it was " in process '' and the hold was put on due to an " unverifiable source ''. The source is a credit union. Furthermore I had {$11000.00} in my savings account and still this long of a hold. I called my local branch and spoke with the acting manager who was helpful, followed up but still could do nothing. Today, XX/XX/XXXX, I called XXXX XXXX XXXX, spoke with the bank manager and learned that their check for the {$8800.00} cleared last night XX/XX/XXXX. In this day and age of electronic ACH clearing and the digital treatment of checks that seems like an appropriate clearing time and a possible 1-2 day deposit hold time. Again, how can Huntington employ a practice of the excessive type of hold time described above? I was fortunate that I could move funds from my savings to pay the obligations I had sought the consolidation loan for in the time frame I had committed to. The funds were to pay down high interest credit cards. My loss is inconvenience and marginal savings account interest. But what if I could n't " float '' my own account for nearly 2 weeks while HNB " holds '' my funds? The damages could include : -Personal reputational risk ( a returned check to a 3rd parties ) -Additional interest accrued on accounts to be paid by the excessive hold time -Fees, possible NSF fees, return item fees from the very bank " holding the check '' or 3rd party fees for un honored items sent with the expectation of a 1-2 day " hold ' time -Damage to credit score/rating. This type of " deposit hold '' over reach is both inappropriate and unacceptable in this day and age of electronic banking. The practice needs to be investigated and changed. I will conclude that I have never had an issue with HNB and like their banking, as a loyal customer, who has multiple accounts this situation has damaged my perspective on their bank and service levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bureau of Accounts Control
State: NY

Complaint narrative:
Bureau of Accounts, Con  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received any letters nor telephone calls that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files -  XXXX ,   XXXX   and  XXXX .     The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt '' . If Bureau Of A ccounts does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Bank allowed  XXXX   XXXX  to open a joint credit card without my authorization on   XXXX   XXXX   XXXX  .  XXXX  and I were never married and he had no authorization to open an account using my name. He has run up a balance of over {$14000.00} and has not made a payment since   XXXX   XXXX  . I only learned of this account when i noticed my  credit score dr opped. When I called Chase, in  XXXX  of this year, they informed me that  XXXX  had opened the account. I informed them that he must of obtained my SS # from custody documents from our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
M.G. Credit is attempting to collect on a debt that was dismissed by   XXXX   County Courts   per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT,   XXXX   XXXX   XXXX  , Signed by   XXXX   XXXX   XXXX   XXXX   and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with  XXXX ,   XXXX    and  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In the past 12 months Bank of America has charged my accou nt $     XXXX    *15   t imes. In a majority of the cases Bank of America will hold larger debits run the lower amounts charge me a fee and then the larger amounts will bounce because of the fees that they take out of my account. This month alone it has happened 3 times.     I transferred {$200.00} to cover my car paym ent on  X/XX/2017 . There was a credit pending on my account for {$38.00}. Bank of Am  erica held the credit of {$38.00}. Charged me a {$35.00} fee and the {$200.00} carpayment rejected. While some of these fees are legitimate as I am a single mother - recently divorced and experiencing financial hardships- the amount of fees charged on my account has been the cause of other transactions going into NSF status. They have taken so much money out of my account making my situation so much worse.

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 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
The name of the company is  Oracle  rep calling  XXXX   XXXX   XXXX . She was told to stop calling my job and that I could n't accept personal calls. My employer at that time hung up and  XXXX   XXXX  called back to speak with my supervisor and asked to speak with her directly. My supervisor then contacted me and told me that she had spoken with  XXXX   XXXX . My job is in jeopardy because of the harassment this person is doing. She was told to stop calling on numerous occasions and yet she continues. She called on  X/XX/2017    once,  XXXX  once,  XXXX  twice,   XXXX   twice and the  XXXX  three times and that was when she spoke with my supervisor.

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 2017-05-26 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I contacted  Prestige Financial  and  XXXX   XXXX   XXXX   XXXX  about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information.  Prestige Financial  sent a letter back dated  XX/XX/17    stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX , Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract Prestige to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my  credit score t o decrease and I want these inquires removed from all there reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26 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: CT

Complaint narrative:
RE :   XXXX  Account number  XXXX  EXPERIAN Credit Report  XXXX  Account not on file Dear CFPB : I had spoken with  XXXX   XXXX  from Experian in regard to my  XXXX  account that was purged from my credit report. I had contacted  XXXX  and spoke with  XXXX  and she sent me an e-mail regarding what happened. She sent me a letter and document that  XXXX  sent a re-insertion of account.     As of this date, Experian has not re-inserted my account and continues to report other accounts such as  XXXX   XXXX  #  XXXX . Experian has not been in compliance with the FCRA and has neglected and ignored  XXXX  request to re-insert my  XXXX  account.     I am asking the CFPB to go into my Experian credit report and dispute all negative obsolete credit information that is not in FCRA compliance.     Experian retains old negative information and deletes positive tradelines in order to suppress credit scores..     Further, Experian  XXXX  department has been viewing my credit report unfavorable and I request a revision to the current customer service I receive because of evidence of negligent and willfull non-compliance.

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 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX   XXXX , 2017 - - *   Rec eived letters from  XXXX  2nd/NEW Attorney (  *** ) -   Re  nt i s due on th e  XX/XX/XXXX  y et Attorney 's for the  XXXX  sent  3-day not ice with a debt collection notice attached as well. Attorney -   XXXX   XXXX   (  KTS )   XXXX   XXXX    2017-  - We sent certified letters to  XXXX  and  its at torney ( KTS ) to validate the debt and that we are disputing ALL portions of the alleged debt.       XXXX   XXXX    2017 -  - KTS filed unlawful detainer ( unbeknownst to tenants )   XXXX   XXXX    2017  - - Tenants received unlawful detainer    XXXX   XXXX  2017     - - Interrogatories personally delivered to Plaintiff Attorney of Record ( KTS ) .. Inspection demand personally delivered to Plaintiff Attorney of record ( KTS ) .. Notice of Motion-to-Quash, Judicial Notice  ,  personally delivered to Plaintiff Attorney of record ( KTS ) by server.       XXXX   XXXX   2017     - -   XXXX    XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   (  " Plaintiff '' ) authorized agents falsified documents and KTS is heavily relying on this information, which constitutes Civil Conspiracy.       XXXX   XXXX   XXXX     - - Counsel for KTS attempted to collect a debt without providing validation of the debt in violation of FDPCA, at court and in open court he attempted " Personal Delivery '' of the Summons and Complaint, even though we have disputed this alleged debt.     SUMMARY : The company is in violation of FDCPA, violations include but not limited to : - unlawful communication tactics -False statements and/or representation - Taking legal action on a fraudulent alleged debt.   - Malicious prosecution  - Harassment & Discrimination & Retaliation - I would l ike for this company and their process server to be investigated by this bureau, the California Attorney General, DOJ or FBI. Because if they are trying to pull this stuff on my wife and I am sure they have attempted this on other consumers and caused irreparable harm to individuals.     Law offices of Kimball , Tirey & St. John LLP  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX , California  XXXX   Re  :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Garcadia Financial LLC
State: TX

Complaint narrative:
On  XXXX / XXXX /  XXXX    Foursight Capital took two  payments out of my bank account instead of the  one monthly payment I setu p and got a confirmation for. They severely overdraft my bank account. I reached ou t to Foursight and they acknowledged that multiple customers had the exact same thing happen to them. The want m y bank  XXXX   XXXX  to fix the issue.  XXXX   XXXX  stated it will take 90 days to fix the issue. This is unacceptable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation