vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SD

Complaint narrative:
I received a letter from Hunter Warfield ( XXXX collections ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have an account at XXXX pras.shar XXXX XXXX XXXX There were unauthorized activity on my account and my account was closed. Despite me attempting to explain to XXXX and show that I did not carryout any violations of their terms, I was unable to appeal to anyone at their company. 

I have been unable to utilize my XXXX account now for 3 years. I also have funds stuck in the associated PayPal account which is linked to XXXX, as well as XXXX gift cards that I also can not access. 

There is a clear divide between the customer service and executive and compliance portions of XXXX and PayPal meanwhile I am stuck unable to be a customer of either service nor redeem my funds. 

A simpel review would have been sufficient to undo the ban that was placed on my account. It appears my account was closed under suspicioun of multiple accounts but this was not done by. me. 

At the time of these events I was only a student. Now I am a working professional and am aware of my rights as well as arbitration agreements and local civil suit procedures. 

HOWEVER, I don't want to do any of that. All I ask is the rightful department finally see the issues that occurred here. Admit to the oversight of closing my account unjustly. And just allow me to be a customer again. Both for XXXX and the PayPal account where my funds were stuck for so long. 

I know if there is a review done, they will see that I did not break any rules and their investigation process was not thorough and I was mistakenly banned. Please reopen my XXXX account and my associated PayPal account. And I will cease any further action. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. Someone, using my name, requested a credit card from XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX XXXX ) and made several purchases at XXXX XXXX XXXX in Texas. 

I asked XXXX XXXX to close the unauthorized account No. XXXX, falsely opened using my name and to take steps to remove the information about this account from my credit score files. To date I have not received written response from XXXX XXXX. 

I have opened an FTC Identity Theft Report, send letters to the retailer ( XXXX XXXX XXXX ) and asked XXXX and XXXX to stop reporting this fraudulent information and delete the disputed item in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: GA

Complaint narrative:
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

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 2018-08-21 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: GA

Complaint narrative:
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

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 2018-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. Navient and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: GA

Complaint narrative:
XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

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 2018-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I entered into an agreement with Wells Fargo to go onto a reduced payment plan for my mortgage. This was due to me becoming a XXXX XXXX XXXX Veteran, and having to exit the military because I was blown up from an improvised explosive devise in during one of my combat tours in XXXX. I entered into this agreement, with good will, and continued it until my Veterans Affairs XXXX XXXX XXXX began which allowed me to begin payments on my regular schedule at the full price. I have never missed or been late on any payments, because I have it set up on auto pay, through my bank, XXXX and it is automatically deducted from my checking account each month. On XXXX, XXXX, Wells Fargo began this program, of reduced payments, and an error between internal Wells Fargo departments caused them to not know that I was on the program, and they kept sending me a bill for the full amount. The following month, this resulted in a 30 day late, which posted on the XXXX date, and it is now still on all 3  of my credit reports. I have disputed this several times. I don't know how much more clear I can be about this. I have even talked to a Wells Fargo representative on the phone, and it is in my Wells Fargo notes, that they sent it to the Wells Fargo credit department for immediate removal. Please help. I had a similar situation, in XXXX, with two 30 day lates, I can explain those in detail, and have notes on that as well. But wells Fargo should have this, and I have talked to them several times about it. They have already agreed to remove, but never have. They are reporting inaccurate information on my credit report. This is the final time I am asking, please remove all 3 late payments off of my credit reports immediatley.

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 2018-08-21 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: PA

Complaint narrative:
XXXX has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. XXXX and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.

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 2018-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an invoice for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Graphic Card '' from a seller by the name of " XXXX XXXX XXXX XXXX. '' I had first encountered them via XXXX as they were a seller. When I purchased their product via XXXX, they had originally shipped the package under the name " XXXX XXXX XXXX. '' However, I soon received an email saying that they were having trouble with their paypal account and that I would need to pay via paypal directly ( which was the invoice they sent me ) and that they would refund me for the initial {$270.00}. They sent me Later on XX/XX/XXXX the seller contacted me via the name " XXXX XXXX '' saying that their previous XXXX account had been reported and that not to worry since it didn't affect paying through paypal. I proceeded as normal through paypal and paid the invoice. After waiting a month for my item to arrive, on XX/XX/XXXX, I messaged the seller to see when I could expect the package. There was no reply. After seeing that the package had been delivered to a post office in XXXX ( I saw this via the tracking number provided through XXXX pos ) I then reported the transaction to paypal on XX/XX/XXXX. They had me write an email to contact the seller. On XX/XX/XXXX, after receiving no reply from the seller and never receiving my item, I escalated the dispute to paypal. Within 10 minutes I received a reply from paypal saying that the dispute was settled in the favor of the seller, with no reasoning as to why. I emailed paypal again, on XX/XX/XXXX, of why the case was settled in their favor when there was clear evidence that I never received my package and no effort from the side of the seller to even contact me. All I have received from paypal so far are only automated emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 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: GA

Complaint narrative:
XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) XXXX a consumer contract with my signature on it XXXX and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

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 2018-08-21 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:
XXXX XXXX XXXX, I Reported : XXXX. XXXX, 2018 {$11000.00} This item has been removed by XXXX ; it has been removed by Equifax two or three times only to be reinserted ; which is against F.C.R.A. law because I was not notified of the reinsertion within 5 days in writing ... I have proof that it was deleted and reinserted also, and plan to pursue litigation if it isn't permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX a third party is refusing to remove account this has been proven by XXXX XXXX  to be incorrect i have provided them wirh docaments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been trying to get a loan modification from Bank of America. I have tried many times and every time I get the modification back I am either denied or it has a higher interest rate and payment than my original mortgage .I have spoke to them about selling my home myself and they have put me in foreclosure with a sale date of XX/XX/2018 with a month notification .Myself and my child have no where to go and also no money to start over again. Can you please help me stop the foreclosure so I can sell the house myself so I can try to get a little money after Bank of America is paid so I can relocate and start over. Thank You,

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 2018-08-21 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:
Bankruptcy DISMSD/CLSD CHXXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a 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 2018-08-21 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: Knight Adjustment Bureau
State: WI

Complaint narrative:
Knight adjustment is reporting account to all three that is freud not mines

Company response to consumer: Closed with explanation