vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: IL

Complaint narrative:
Harley Davidson Financial Services.

I am currently behind on my loan payments and have been trying to catch my past due payments ( past due interest ) when it was brought to my attention that every month the finance company is applying partial payments to the past due interest and the rest to accrued late charges. This has been an ongoing issue for over 12/mos now. With this being said. I trying to discuss with finance company that you can not apply partial payments to the past due payments so late fees can be covered they advised me I was incorrect. When requesting a detailed breakdown of the last 12/mos of payments, I received a breakdown of each months payments with no evidence reflecting the reduction of principal, past due interest or any amounts that have been applied to late charges collectively showing the application over the 12mos of late charges paid. his has been an ongoing issue with Harley. Please assist in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
I never signed any paperwork with this company stating that I promised anything.

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 2018-05-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
Company : XXXX XXXX ( Puerto Rico ) been calling me for over a month asking for XXXX XXXX ( debt collection ) I've trying to explain them that I don't know this person in numerous times but they still keep calling me and leaving voicemails everyday.

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 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After Hurricane Irma Wells Fargo contacted us and told us that we could opt into a Federal protection act that we could use up to 3 months of our mortgage payment to pay for repairs around the house. Then after 3 months with no payments we would make 3 on time payments and they would send new mortgage paperwork and put the the non payments on the end of the mortgage and move forward with the new loan. Before agreeing I asked if there were any other area 's that this would affect because we have PMI insurance and we were getting ready in the up coming months to request to drop it as our home value had increased. They said no, we were protected under the Federal Act and no other area 's would be affected. We agreed to enter into the Act, and we fixed up the damage to our property. I called Wells Fargo in XX/XX/XXXX to inquire about the process to drop our PMI. They sent me a letter with our options and we went with the option to pay {$500.00} of our own money to get an appraisal in hopes that we were at a high enough value that the PMI would drop. The appraisal came back ( in early XX/XX/XXXX ) and we were well above the necessary value to drop PMI. I spoke with our preservation specialist at Wells Fargo at that time and he said the new loan documents would reflect the PMI being dropped. This process would take us through the month of XX/XX/XXXX, but I said ok and we followed the necessary steps to stay compliant with the act. We made our 3 on time payments and got our new loan paperwork. By this time they have transferred our case to 5 different preservation specialist. The new loan paperwork comes in with PMI and it's not correct. I start calling Wells Fargo and our preservation specialist and I get transferred to mulitple deparments and several more people that all tell me they will help me get this resolved. It is now XX/XX/XXXX and not only has Wells Fargo not dropped my PMI. They have collected all year my mortgage payments with PMI ( that's 5 payments of {$220.00} a month extra we should be saving ). But they refuse to use the appraisal we paid for last year, that was through THEIR approved vender, not someone we choose and keep dragging their feet. I have absolutely no resolution in sight and keep getting the run around with them. Today, I get a notification from my bank that a pre authorized payment to Wells Fargo was deducted in the amount of {$520.00}. I have absolutely no idea what this charge is for, nor did I authorize it. So in my opinion this is FRAUD. My only chance of having a resolution is now making complaints as this has gone on for over 7 months and they are now deducting money out of my account with out permission.

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 2018-05-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My current bank, Bank of America, has placed a 10 day hold on a deposited check. This is the second time this has occurred in a span of less than 6 months. On XX/XX/XXXX I have deposited a check for {$2000.00} from the company that manages my 401k, XXXX XXXX, no funds from the check were available {$0.00} once the deposit was made. I paid extra money for these funds to be expedited, obviously I need the funds. Bank of America state my funds will be available on XX/XX/XXXX. I have reached out to Bank of America and requested that the deposit hold be shortened. I understand the reasoning behind these hold and how ultimately it is done for the customers benefit but it is unreasonable to hold a check from a reputable company for more than 7 business days. This is not a personal check, I explained this to two customer service representatives from Bank of America, one of them a manager. I revealed personal information that is highly sensitive explaining the financial difficulties that I am enduring. To the point that I have withdrawn money from my retirement funds. I requested a 5 day hold and they were adamant that nothing could be done. I feel undervalued as a customer, this is money I was counting on because I have things to pay. If my account has insufficient funds they will charge me {$35.00} for each transaction. Again, making the rich, richer and the poor, poorer.

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 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I have had a recurring problem with a XXXX XXXX account which is being billed to me for services I have never asked for or used.

Originally, a collection agency called XXXX XXXX XXXX in Texas reported the account, showing the same balance. I disputed the validity of that debt to the credit reporting agencies and it was removed from my credit history.

Waypoint has recently begun reporting this debt now to XXXX, and it now appears on my credit history. Waypoint did not mention in their reporting that this debt was disputed, and they also reported that the original creditor was XXXX XXXX. This is simply incorrect. XXXX is not the original creditor ; it was XXXX. XXXX was then bought by XXXX, which is part of XXXX, but that does not make XXXX the original creditor.

In any case, I dont owe anything to XXXX or XXXX. I have disputed this debt when it was with XXXX XXXX XXXX and have again disputed this debt now that it is being reported by Waypoint. I do not see how its legal or fair for a debt collector to report a debt, it be contested and removed, and then the creditor simply has a different agency report the same debt under a different name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFS Holdings, Inc
State: CA

Complaint narrative:
Upon checking my credit report, I noticed accounts that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: MA

Complaint narrative:
I have been a customer with Bank of America over 5 years during that time I can only recount being refunded an overdraft fee once. I had a deposit go into my account for {$69.00} on XX/XX/XXXX, it was an instant deposit via cash app. It reflected in my balance immediately. The following day that deposit was removed and I was hit with 2 overdraft fees. I searched through my transactions for that deposit and it was nowhere to be found. When I went back to look later it was returned to the account and I also had a transaction from another merchant which was billed on the wrong date. I contacted BOA and they refused to waive the fees or explain the disappearing and reappearing deposit. I dont have a history of doing this and I am on a fixed income. {$70.00} is about 10 % of my monthly income.

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 2018-05-30 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:
TransUnion has been reporting information that is damaging to to my reputation.

TransUnion has continued to violate my FCRA U.S.C 1681 rights.

In XX/XX/XXXX and XX/XX/XXXX they have ignored my request for an investigation on false information on my credit report. They have failed to verify any details of XXXX XXXX and XXXX XXXX accounts they have listed. They have deliberately flasified documents and made un-verified changes to these accounts and reported these damaging facts to other creditors I have enclosed copies of two Investigation reports done by TransUnion. It shows where there records are not complete and have many missing pieces and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am trying to purchase a home and in order for me to move on with that process I called XXXX XXXX and I called Transunion. XXXX told me they can't remove the late payments, not even one. When I talked to transunion they told me they can remove just one and I was fine with that. I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was XXXX  and I am also a single parent. I'm not trying to be difficult at all or cause confusion. When I checked my credit report days later my late payment from XX/XX/XXXX was moved up XX/XX/XXXX. Im not understanding. The guy from transunion told me he would remove it and he did not.

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, XXXX, and Transunion, each of these accounts year to date credit reporting ends in XX/XX/2017. There appears to be no credit reporting since XX/XX/2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, Experian, XXXX, and XXXX, each of these accounts year to date credit reporting ends in XX/XX/XXXX. There appears to be no credit reporting since XX/XX/XXXX on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.

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 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This debt was paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/18 I received a Synchrony Bank Walmart Mastercard in the mail that I did not apply for. I called the customer service number on the back of the card and cancelled the card immediately. I was not sure why I received this card. The agent said that I needed to provide my private information for this card to be generated. I never ever applied for this card. It is strange that the card came to me in my name. I would think that if someone stole my info, they would have had a card sent to them ( in their name ). I NEVER provided information, or applied for this card.

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 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
debt was paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been disputing for months, with Experian and XXXX and the company, LATE PAYMENTS on XXXX-XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.

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 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: FL

Complaint narrative:
I never signed any paperwork with this company stating that I promised anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
On XX/XX/XXXX I noticed a debit from my bank account for {$300.00} to " XXXX XXXX XXXX  XXXX  ''. I immediately called bluebird by american express to advise I did not make this charge or purchase, I was told to call back when the charge has processed as it was currently on hold status. 3 days later it had processed so I called back, they started a dispute on the charge & canceled my card & sent a replacement debit card & said it would take 7-10 days to resolve. I then emailed XXXX  about the charge & they responded to call their fraud dept. XX/XX/XXXXI called XXXX  fraud & was told the purchase was for XXXX XXXX tickets in XXXX XXXX on XX/XX/XXXX & that they couldn't refund the charge because the event had already taken place & the tickets were used. XX/XX/XXXX I called bluebird by American Express again to see where the investigation was at & why my funds were still locked. This is my checking account, my paychecks are direct deposited, all my funds are in this account and have been locked for 20 days. Bluebird advised my funds would be locked until I activated the replacement debit card, which I still hadn't received so they had to send a second one. My dispute was denied even though I could provide proof I was no where near XXXX XXXX  at the time of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft report # 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 2018-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I bought a Digital Product with a scammer by using Paypal invoice.When i paid, the seller did not send me anything about what i bought.then I reported it to paypal and Unauthorized it, Paypal just auto canceled my open case, that's can not do again. I need my money back, I did not get anything.I have everything communication record with the seller to prove he is scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I been disputing for months, with XXXX and Transunion and the company, LATE PAYMENTS on XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.

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 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is Advanced Collection Bureau Inc. account number the bureaus are reporting  XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a Saks Capitol one employee card on XX/XX/XXXX. I was then emailed about needing more income for the card. I was unaware that i needed higher income than XXXX  to receive a {$100.00} employee card. I decided i no longer needed the card if i could not get it with that income, i assume they wanted to give me a higher limit. I only wanted the card because it is the only way employees receive their discount. I then check my credit report and see that there is another inquiry on XX/XX/XXXX, which i did not authorize. I have left voicemails and sent an email to the company and have received no response.

Company response to consumer: Closed with non-monetary relief