vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation
State: TX

Complaint narrative:
Complaint is against XXXX XXXX Card.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

note : Today XX/XX/2019 is the 4th business day since card.com concluded its investigation and I have not received written description of their investigation required by law. 

On XX/XX/2019 My former Electrical provider XXXX XXXX charge my Visa debt card {$620.00} without my authorization and without giving written notice. I had discontinued service with XXXX XXXX on XX/XX/2019. 
I contacted XXXX XXXX with in minutes of the charge but it was made on Sunday and on XX/XX/XXXX weekend so no one would be in until Tuesday XX/XX/XXXX. I left voicemails and sent emails with XXXX to call me. 
On Monday XX/XX/2019 the pending charge posted. I didn't want to wait until Tuesday to notice my Financial Institution Card.com of the Unauthorized EFT so I filed a dispute on XX/XX/XXXX by phone and in writing informing my financial institution Card.com I did not authorize the charge of {$620.00} and further more never gave XXXX authorization to charge my card period. To pay my bill I had to register my card but I always choose the one time payment option. 
I called my financial institution Card.com on XXXX a day after 10 business days to preform investigation or provide preliminary credit while investigation continues. I was told that the Investigation had be concluded and no errors were found. I disagreed and thoughout the day spoke with a supervisor and manager but they refused to allow me to talk to anybody else and I wasn't satisfied with who I spoke with because not one person was even aware of Regulation E or EFTA. I am now following proceedure and filing a complaint against my financial institution Card.com for possible violations of U.S. Code title 15. Chapter 41. subchapter 6.

1693D., 1693C.,1693F. ( d, e, f, ) and 1693G. ( b ) I have filled a previous  complaint against Card.com in XXXX because they had not found errors investigating a dispute that was actually filed initially by their own fraud department. On XX/XX/XXXX they credited my account but did not not provide any reason why and therefore admitted no wrong doing. 
In conclusion with-in a 30 calendar day period Card.com 's error resolutions department has found no error on disputes that clearly have error 's and on the first they reversed the decision. I believe if this is happening to me Card.com is most like likely doing it to thousands of thier other customers and an investigation should be done on the entire error resolutions department. 
I will be filling additional complaints against XXXX XXXX XXXX XXXX XXXX whom issued Card.com cards and Visa who's license is used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies and the McCarthy Law Firm, XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX ; Tel : XXXX, have been attempting to collect an alleged medical debt for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. Upon notice from Transfinancial, I responded on XX/XX/XXXX with a written dispute of the alleged debt and provided written requests from XXXX, XXXX and XX/XX/XXXX to XXXX XXXX XXXX requesting information regarding the alleged debt that went unanswered. On XX/XX/XXXX, Transfinancial mailed me an invoice from XXXX XXXX XXXX as proof of the alleged debt. On XX/XX/XXXX, I again sent written dispute of the debt stating that an invoice was not proof and requested verification of my debt including a copy of my signed agreement to pay for the alleged services as well as further information about credits from my insurer that appeared on the aforementioned invoice as any insurance payments should have precluded XXXX XXXX XXXX from charging me any additional costs due to their agreement with my insurer. Transfinancial did not respond to my request or dispute. On XX/XX/XXXX, I received a collection notice from Transfinancial. On XX/XX/XXXX I again sent a written dispute of the information and notified Transfinancial that they were continuing to violate my rights under the FDPCA given their lack of response to my previous requests for verification and continued attempt to collect. On XX/XX/XXXX, I received a notice from Transfinancial that they received my dispute and would cease activities until verification could take place, which they stated included removing or avoiding reporting of negative information to the credit reporting agencies. Transfinancial has not provided any further verification or response to my dispute. On XX/XX/XXXX, I received notification from credit monitoring agencies that Transfinancial had placed negative information on my credit report. I immediately sent notification to Transfinancial that they were continuing to violate my rights under the FDCPA due to their lack response to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2018 My husband was told that if I wanted all correspondences with Wells Fargo to be in writing I would have to go a local branch and fill out paper work per conversation with XXXX XXXX. I have in the past tried to get information through a local branch and was only give a phone number to call. My medical condition at this does not allow me to go in a branch or have phone conversation.

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 2019-06-13 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: MN

Complaint narrative:
I disputed some incorrect information that was showing on my XXXX, Equafax and XXXX credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. Equifax did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

XXXX - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of  Status is moved back to XXXX of XXXX? 

XXXX provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with XXXX are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX Equifax did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for Equifax is from the XXXX 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, XXXX 's After Dispute report is showing a 30 day late in XXXX of XXXX with the charge off in XXXX of XXXX. XXXX is showing a date closed of XX/XX/XXXX with multiple lates. Equifax on the other hand is show the account closed with no date but, a perfect payment history through Apr of XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: IN

Complaint narrative:
I was formally enrolled in XXXX University online from XXXX to XXXX. I used my GI-Bill to pay for classes while enrolled. Recently I applied for a home mortgage loan, the loan officer called me about a debt in collections. the name of the company in collection is Cedar Financial based out of California. they stated I had a outstanding balance with XXXX University. I called XXXX University and asked them how diI owe them money since I have not been a student there since XXXX. They stated that I signed a agreement to attend class on XX/XX/XXXX, and in XX/XX/XXXX I sent a email giving my permission to enroll me into class. I explained to them that I did not enroll in class because during that time I was Coaching High school basketball, working Full time and going through a divorce. XXXX told me that the balance is correct. I called Cedar Financial to explain the situation and ask why I did not receive any phone call or letter in the mail for the debt. they could not answer my question because the record on file was not updated. this situation is threatening my purchase of a home for my family. I never enrolled in class, I never receive books for class, and I never logged into class at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: SC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-13 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 — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/2017 through my Debit Management Program XXXX I entered into an agreement with Huntington National Bank to close the credit card issued by them and set a payment plan for {$130.00} per month. In XX/XX/2017 I began to receive collections calls from Huntington and after discussing with them I was told that the account was charged-off. This is a violation of our agreement in good faith. Additionally I had a conversation with a specialist at Huntington that assure me that the charge-off would be reversed and marked as closed, paying. I would request Hunting honor the DMP agreement by removing the charge-off notation and properly re-aging the account per the terms of our contract. I have attempted to call and dispute this reporting several times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: SC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX   XXXX XXXX**** account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Contacted the company several times and disputed with the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XX/XX/2017 a collection account was placed on my credit report. I asked the credit bureaus to please verify the debt. They responded by saying the debt was verified I asked for proof of the debt being verified by creditor. No response was given. I sent a letter to creditor asking to validate no validation was given but a bill which is not considered proof the debt belongs to me. I am asking you to please have the creditor please send valid proof such as original contract with my signature. If they are unable to according to FCRA they must cease collections and delete from all 3 bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX  XXXX XXXX**** ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX**** ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a debt I owe to American Express but repeated phone calls to me five or more times per day is unacceptable. What is disturbing is that the company has my email, address and phone which are current and yet, still felt the need to contact my niece who lives in another state and leave a random message about my debt. I have contacted Amex several times via phone to tell them to not violate the laws and regulations in place but they continue to call and harrass me. Even though I still make payments the best I can each month, if not multiple times per month. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
Common Wealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX This company placed an inquiry on my credit for an account I have never heard of. It is also from 5 years ago. They first stated it came from XXXX XXXX XXXX, then physicians office. No communication or attempt to communicate on the debt was ever made. Just a hard inquire to my credit, tanking it 100 points. When I called to discuss not only are these people very rude but both XXXX & XXXX and super nasty! This company has never once called or reached out to me. XXXX stated they mailed a letter to the address listed on the account from 5 years ago. How do these people just go around messing with someone life with out properly verfiying if that is even there debt. Giving them the chance to pay if in fact it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX XXXX I paid my monthly payment on my USAA renters insurance. I received a confirmation number of # XXXX. I paid with a MasterCard credit card and can show statements by email as well. The very next morning I received an email stating they have yet to receive payment and it is attached as a photo jpg. I want my payment credit issued to my USAA bank renters property insurance account as soon as possible. This bank is not honest and harasses and steals from war vets and this is proof.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted Equifax about a month ago and was told that I wasnt me or something like that I answered every question that they asked and still wasnt able to get my report I cant even login to the website even after doing everything right it is time to talk legal action against them if you can point me in the right direction this is the same company that messed up millions of peoples accounts and still have no answers for that someone needs to investigate this company ASAP they dont have my score right or any of my information I am tired of them and something needs to be done about them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: MI

Complaint narrative:
Moved out of state and credit card was stolen. Didnt know it was stolen until collection agency contacted me. I told them it was stolen and they threatened me with legal action so I paid {$50.00} because I was afraid not to. This debt is increasing from the original {$400.00} stolen to its current amount on my credit report for {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo used deceptive practices throughout the lending process for our home mortgage. 

1 ) They did not tell us about a necessary reserve on the mortgage until we were more than halfway through the building process. 
2 ) They did not tell us the loan rates on the HELOC would be significantly higher than the mortgage, thus causing us to pay more than we otherwise would have had this been one single loan/mortgage. 

My wife and I began building a new home with a building mid-2018. At the beginning of the process, we put money down  with the builder to begin the building process. 
The builder provided a list of recommended lenders - one of  which was Wells Fargo. 

Wells Fargo began the loan application and approval process and delayed the approval process several times. A few months into our building process ( and after we'd provided deposits for the new build ), Wells Fargo came back to us indicating that we would not only need the 20 % down payment for the loan, but would also need months worths of payments in " reserves '' at the time of closing. This was NOT discussed for the first few months - had it been, we would have sought other means to finance our home purchase. 

Wells Fargo 's solution to avoid this reserve was to provide a mortgage for part of the loan and a HELOC ( secured on the home ) for the remainder. At this point, we had no options as the house was mid-way through building and we had money down on the house with the builder. Walking away from the financing or building process would have meant losing close to {$100000.00}.

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