vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Purchased dept protection plan from USAA for XXXX XXXX purchased XX/XX/XXXX with USAA auto loan. Loan amount was {$10000.00}. ( 25 ) days after purchase I was terminated from employment. I missed payments 3 months by XXXX as a result. I called to request hardship under protection plan. They asked if I was working. I said no but I had taken a small Labor contract to cover gas money. USAA denied me the protection because I had taken a short term job for a month to earn money for gas. The contract was 3 days a week at {$10.00} an hour. This was my only income. I was suffering XXXX XXXX. Lost that job as a result. But was still denied protection under the protection terms. By XX/XX/XXXX the XXXX was charged off and my USAA account closed. USAA claims no record of the XXXX loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX i received notice on my credit report that i owed XXXX XXXX {$230.00} being reported by waypoint resource group LLC who is a collection agency so i called them up and talked to them on the phone about this new collection.they told me that my date of my last payment was XX/XX/XXXX I have no Knowledge of this account and i have never had XXXX XXXX XXXX.I have submitted disputes to all 3 Credit Bureaus as they are reporting my last payment was XX/XX/XXXX which is not what they told me when i talked them on the phone.i need them to update my file with the correct date they told me on the phone or delete this frivolous and inaccurate account on my file.the 2 credit bureaus have verified this account as being accurate and 1 has deleted the file ... Waypoint Resource Group has failed to provide me any contract or documentation regarding this account being true.and owed by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CT

Complaint narrative:
I was contacted by a collection company in XX/XX/XXXX regarding an amount of {$550.00} owed to XXXX XXXX. I stated that I had not had an account with XXXX since XX/XX/XXXX and my balance was completed paid. I asked for verification and further details about this amount owed and was referred to XXXX XXXX XXXX. I sent a letter correspondence in XX/XX/XXXX asking for proof and verification regarding this debt and stated if in fact owed I was willing to make payment with removal of derogatory collection remarks. No verification or response was received. I then went ahead and disputed it with all 3 bureaus in XX/XX/XXXX. This dispute was denied and in XX/XX/XXXX I requested verification again which went unanswered leading me to believe this collection was in error. I sent notice to all 3 bureaus again via certified mail. This dispute was again denied and a letter from XXXX XXXX was sent to my home stating they would not share or verify this account with the bureaus. At this point this collection remains on my account hindering me from qualifying for a federal mortgage first time home buyers program which I am praying to secure. I have no other blemishes on my report other than this and through my efforts have received no response or solution in my attempts to resolve this. This company has been using different collection agencies to contact me and even has different names on my report under the same collection. On XXXX they are under XXXX XXXX XXXX XXXX XXXX, and on XXXX  they are showing as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Portfolio Recovery, LLC
State: TX

Complaint narrative:
I have received 19 calls from number XXXX XXXX XXXX from XXXX XXXX, they have made threats of 'legal ' action against me & said I owed XXXX XXXX dollar ( my number is XXXX XXXX XXXX ). I have a land line phone number of XXXX XXXX XXXX & they now call both phones, this number they call numerous times a day as many as 5 or 6 times. 
I am looking for a job to this is very stressful when I think it's for a potential job & it's them, harassing me. XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate Information, not mine

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inaccurate Information, not mine

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 2019-02-01 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
{$460.00} total {$210.00} past due Fraudulent dispute Found in my favor then reversed 2 mouths later Account closed XX/XX/XXXX Dispute submitted XX/XX/XXXX Resolved XX/XX/XXXX Reversed XX/XX/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 2019-02-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called well Fargo on XX/XX/XXXXXX/XX/XXXX and to do a balance transfer and I ask for XXXX dollars to be send to a bank and I realize I gave them them the wrong account number and I I called a week later and I ask for the funds to be reversed and they are unable to do so and want me to called XXXX XXXX and I called XXXX XXXX and they told me to call well Fargo and talk to them and second problem is on XX/XX/2019 I sent a check in the amount of XXXX to well Fargo account number ending XXXX and on theXX/XX/XXXX the XXXX was reversed without my permission and I notified XXXX XXXX  and they told me they never requested for the XXXX to be reversed and Im trying to get a grand total of XXXX plus the balance transfer fee of XXXX refunded back to my credit card ending 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 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
acct. XXXX With this credit card you're supposed to earn something called Fun points that you can use to pay for cruises to get onboard credits for cruises and various other things a few months ago I used some points for a {$50.00} onboard credit on the cruise that I planned on going on it took the reward points out of my account but when I got on the ship the onboard credit wasn't there I argued with the ship but they said it had nothing to do with them the credit card company the reward company has to send it to them there was nothing they could do at that point so I get back home and I messaged the credit card company I got an email back telling me that you sent it to the appropriate Department give it a couple days and I'll get back to me okay I wait a few days nobody gets back to me so I send the email again once again I get the same email they apologize for the delay they're working on it give them just a few more days I did that then today in the mail I get a letter that reads " this letter is in response to your recent inquiry on your XXXX XXXX XXXX account we are currently unable to assist you with your rewards issue '' it's their credit card if they can't help then who can you charge me interest on the card I use the card I make my payments is earned those points

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a XXXX  Senior Citizen on fixed income Social Security XXXX   Benefits. I have been using the Credit Monitoring System of " XXXX XXXX   '', for 8-9 months now, and am very pleased with the accuracy that seems to surpass Transunion 's Reporting System. I am also an avid advocate against Preditory, Coercive, and Compellant Strategies used by banks and credit unions behind the scenes that Consumers are not aware of, due to adverse transaction clearing behind the scenes on Bank Credit Cards.

I recently filed complaints against XXXX XXXX XXXX 's XXXX  Card for NOT using electronic clearing methods that cause the Consumer to have a blind spot regarding their balance, in the amount of ONE FULL MONTH, due to the use of SNAIL MAIL, instead of electronic clearing methods of same day or next day clearance. 

I come before you today to report that Transunion Credit Reporting System not only falls behind the accuracy guidelines, but also tends to act IMMEDIATELY on what they feel is adverse information, before the account has time to automatically resolve itself due to a BANK SYSTEM ERROR, in favor of the CONSUMER. 
It is my opinion that this is unfair to anyone who does not have the Financial Training from XXXX XXXX that I do ... and I am finding that I am having to call Transunion once a month, to correct their information ( which can not be done unless it is a DISPUTE. ) A BANKING ERROR CAN NOT BE DISPUTED, as I found out today-and the incorrect information can not be changed or disputed. 

My suggestion to resolve this problem in the Transunion Reporting System is to prevent the credit unions from OVERREACTING to what appears to be adverse, but instead is an error in favor of the CONSUMER. AND, Transunion outsources to INDIA for Customer Service, which makes it even more confusing due to the lack of US Consumer Banking and Fair Credit Reporting Guidelines. 

Most errors will be resolved by the next Treasury Payday that clears on the XXXX  of each month, when it comes to Fixed Income Beneficiaries.

Would it be possible to have a Systems Analysis Check on Transunion Reporting so that it does not seem so hostile and interrupt the Banking Activities regarding Lines of Credit and so forth. 

Thank you for your time and attention to this hot button issue.

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 2019-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
In XXXX I purchased a Truck that was financed through XXXX XXXX. The truck stopped working and they picked the truck up. XXXX then put the repo on my credit and sold the truck for the remaining loan balance. XXXX advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XXXX of XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same XXXX loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: TN

Complaint narrative:
I previously filed a complaint against TCF bank on the same issue that they are now being sued. My case number for CFPB is XXXX. My complaint has not been included with this lawsuit and I have not been contacted by TCF bank. The over draft fees that they charged me for an amount under XXXX was over {$400.00} in a matter of a few days. They say they mailed the OD information but it was hidden in the bank statement and was never referenced on the on line banking feature which I used frequently. Who would want to pay {$400.00} for a 20.00 charge? If I had known about the od changes I would have closed my account immediately rather than gifting them the extra funds,. 

My complaint was responded to by the bank by only saying saying, since the account is closed they can not refund my fees. I am asking that my complaint be revisited. 

thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX has a storewide policy ( for non-cardmembers ) that they will issue a price adjustment 7-14 days after you make a purchase and the item goes on sale. I have made various price adjustments in the past with no issue. I am XXXX credit card member that earned cash rewards for purchases made over the holidays. I recently requested a price adjustment and instead of issuing the fully adjusted price credit, because I used my cash rewards, they deducted my credit card rewards as part of the adjustment credit and only issued a partial price adjustment. This is an unfair and deceptive practice as those rewards were earned for spending {$200.00} multiple times. Price adjustments shouldnt negate these rewards! In addition, non-cardholders dont receive any such penalty and are issued the full price adjustment credit. Why should loyal card members be penalized from engaging with their card and utilizing the rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. )  XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX  XXXX  one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of  the identity theft that happened back in XX/XX/2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. ) There is a closed XXXX  XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in XX/XX/2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me

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 2019-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Im very upset with company onfalse advertising and false information to get you inloan. However im trying to pay off loan and has contact company several time for pay off amoutn and i get different and amounts every time my credit showing for th amoutn of XXXX still owed however wheni reach out to company it stay XXXX or XXXX which is more than I took and i been paying on loan since XX/XX/2018. Im filed several compliants on company with no resolution I just wont out of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: NY

Complaint narrative:
I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.

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 2019-02-01 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: CA

Complaint narrative:
This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, TransUnion, and XXXX  are reporting a negative public record item? Your assistance is greatly appreciated.

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 2019-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative public record item? Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation