vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had applied for a balance transfer to lower my interest rates. I transferred my XXXX  XXXX credit card to my XXXX credit card. XXXX says that the transfer went through and the balance transferred on XX/XX/18. Yet, my XXXX  XXXX balance never shows a transactions so I was stuck paying two balances on both cards. XXXX hasn't been helpful in telling me what is going on and who actually cashed the check. They keep opening claims but I get nowhere and have been accruing late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX Independent XXXX LLC My current and only address XXXX XXXX CT, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
A few days ago, a collection agency named XXXX XXXX XXXX reported a {$4800.00} collection account on my credit report. I have not idea what this is, and never received a notice of my right to dispute, prior to the account being reported on my credit file. THis is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Every morning just after XXXX XXXX. I get a call from XXXX. Answered the call today and someone asked for a person I have never heard of. Because of their corrupt practices it may be someone in my neighborhood that they are trying to shame into paying a debt. A check of that number comes back to XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on the do not call list and would like to see these people pay for what they are doing. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. When I got to the end of this form it makes no sense, I am only harassed because they call my phone number. I owe no debt and so the questions on you form make not sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
I was contacted by Williams and Fudge Inc about a debt that I owed to XXXX University. I was told that I could settle the debt of XXXX for half XXXX. I made a payment of 2000.00 on XX/XX/XXXX and it was processed on the XX/XX/XXXX. I made the additional payment of XXXX on the XX/XX/XXXX and it was processed on the XX/XX/XXXX. I was told that I would receive a written statement that my account had been settled. Today on XX/XX/XXXX I was told that the second payment of XXXX was not received and it was returned and I would have to pay it again. I reached out to the bank the card was from and they provided me with documentation showing that they still had the payment and it was not returned. When I spoke with the company the person I spoke with did not give me any reliable information, she told me that she saw I spoke with a person and made the payment for the remaining balance but it was not there and she didn't tell me who to speak with or explain to me how or what happened. The only thing she told me was I would have to pay the additional amount for it to be settled. I have attached the account balance showing the XXXX I paid from there site, the XXXX payment from my bank when it was made and when it was posted, along with the original email when the settlement was established.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a response letter from US Bank dated XX/XX/2018. I responded to this letter with all information requested from US Bank and re-iterated my concerns ( see attached ). In this letter, I disputed all mentions of any negative payment status to include late payment information showing up on all 3 of the major credit reporting agencies. As requested by US Bank, I attached copies of the disputed information showing up on the 3 major credit bureau reports. The reason why I am disputing this is that I was advised by a US Bank Home Mtg representative to miss at least 3 payments as a condition to qualify for a short sale of my home. On numerous occasions, I have asked US Bank Home Mortgage to provide proof in the form of a recorded phone conversation with US Bank that I was indeed advised to miss at least 3 payments as a condition of the short sale. US Bank Home Mortgage has still been unable to provide any evidence to the contrary or in support of my concern. I submitted this letter on XX/XX/XXXX and it was received by US Bank on XX/XX/XXXX ( see tracking ). It is now 32 business days later and I have not received a response from US Bank regarding this concern.

Please note that I sent a separate unrelated concern to US Bank which was received by US Bank on XX/XX/XXXX, they sent an auto-generated response of insufficient information dated XX/XX/XXXX ( this response was almost identical to the one I received on XX/XX/XXXX ). I do not consider this a timely response to my concern received by US Bank on XX/XX/XXXX.

As US Bank did not respond to my concern within 30 days, I am requesting they remove all negative reporting / late payment reporting to all 3 credit reporting bureaus.

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 2018-12-28 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: TX

Complaint narrative:
I had initiated a dispute with Transunion on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Transunion of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by transunion for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.

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 2018-12-28 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: TX

Complaint narrative:
Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's Equifax and XXXX  but this specific complaint is directed towards Equifax. 
I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Equifax but they were not able to see anything even when i tried to check my Equifax credit score on XXXX and XXXX i was able to see the credit scores from other 2 bureaus ( XXXX  and XXXX ) but not on Equifax so i tried to reach out to Equifax customer support almost 50 times from the past 10 days and there was no clear response from their side and looks like they don't even care about people, their customer support never gave me the answer that i wanted so i'm unable to get any auto loans approved as most of the banks/ credit bureau 's pull their reports from Equifax. 
So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible. 
I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well. 

Will be waiting for your Response. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested a free credit report on XX/XX/2018. Have not received as of XX/XX/XXXX. I called Equifax on XX/XX/XXXX and spoke with 4 people over about 75 minutes. My question was simple - what is the status of my request for a copy of the report.

All I got as the run around and long times on hold. They asked for some type of confirmation number, outstanding balance on specific credit accounts, minimum payment on specific credit accounts, etc. I repeatedly told them I did not have the information available and that I was not asking about any information in my file. I told them I did not understand how they were protecting my information by refusing to tell me the status of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Was unaware they were charging to a credit card, because I didnt know I had one. Never signed up for one, was underage regardless. Whoever is calling claimed I signed up for a credit line when I was XXXX years old. Ive always had a PayPal account but never had a PayPal credit line. I have a credit card and debit card on my account which is what I always used to pay. They have called my step father and convinced him to give them his card to make payments on a credit line that is apparently mine? I always told him it must have just been scammers. But it is apparently much bigger than that. Theyve told him amounts I owe which I am unaware of. Also actually convinced him to make payments.

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 2018-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Riverwalk Financial CORPORATION
State: TX

Complaint narrative:
XX/XX/2018 {$230.00} was taken from my debit card without my authorization from Riverwalk Financial Solution, when I tried to contact them their listed phone numbers were disconnected or out of service. Like wise their email address was not responsive.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
My mortgage was with XXXX XXXX in XXXX  I had several problems with XXXX XXXX applying my mortgage payments correctly, XXXX XXXX became Old National bank XXXX and my mortgage was totally incorrect. I was current with my payment and several payment sat in the partial payment unapplied section of my account. Old National bank stated sending me default statements I asked for my payment history from XXXX XXXX on several occasions but was told time after time XXXX XXXX records were not available I spoke with the bank rep and she made several calls, This cause my property to go in to go in bankruptcy in XXXX I haven't missed a payment on a fixed loan my mortgage was {$840.00} in XXXX  to {$970.00} in XXXX to {$1000.00} in XXXX I paid {$5000.00} in escrow in XXXX but I got a statement from Old national bank that states my escrow balance is only {$1400.00} Old National bank was paying to Insurance two separate home insurance policy with out my knowledge also paying my special assessments after in XXXX,XXXX and XXXX  causing my fixed mortgage to raise out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Premier Auto Credit
State: CA

Complaint narrative:
XX/XX/XXXX received a text message from a non identified number. Also there was not identification in text as well. Only after I called number attached was I able to find out who it was. Text stated I needed to make a payment by XX/XX/XXXX which is 344 days away. This is the only conclusion because you can not make a pa

yment in the past. Company violated FDCPA Code section 807. They didn't disclose. I have screen shots and am perusing considering all options in regard to this blatant disregard for law. In addition this violation of FDCPA there are additional violations that I am seeking counsel in regard to at this time. I have screen shots that I will provide if necessary confirming this matter. 807. False or misleading representation ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the con
sumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

According to Section 807 ( 11 ) of the FDCPA, the initial communication between a collector and a consumer must disclose that its from a debt collector attempting to collect a debt and that any information obtained will be used for that purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I read that you successfully sued Ocwen Mortgage yet they are still using the same tactics. My loan was sold over and over during the housing crash of XX/XX/2008. I can not remember the name of the company that sold out and gave my loan to Ocwen. The previous company and Ocwen, will not stop these late fees from being on my account. Now they no longer will allow me to pay my mortgage payment without charging me because they put that I owe {$2000.00} in fees due to them never allowing me to change date my loan payment which was originated with another mortgage company. I have been charged at least {$7.00} a month for years to make a payment! Ridiculous. They will not modify the date. My husband was seriously injured in XX/XX/2010 and is now XXXX   XXXX. I could not make the payment on the 1st of each month, I had to wait until I got paid at the end of the month and so they added even more late fees. You can not win for losing with this company. Everything you sued them for they are still doing. I did not get any compensation or letter from Ocwen about the lawsuit with your company. I do not understand how they are allowed to do what they do to consumers because it is so criminal and appalling. Due to my husband 's injury it ruined our credit and I can not find another company to service the loan, unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo used high pressure sales tactics for me to open another Bank Account that I didn't need and that I wasn't planning on using. I opened the account and deposited {$300.00}. I was told that there would be no fees on the account and I could just keep the money there until I planned to use the account. 

This is the second time I've complained about this same issue. I am not getting emails that the account is overdrafted and I've never used the account. Wells Fargo drained the {$300.00} in my account and started charging me fees, for no reason. 

This is blatant theft. 

Account name is under business 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 2018-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's XXXX and Experian but this specific complaint is directed towards Experian.

I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Experian but they were not able to see anything ( this happened twice with 2 different credit unions ) but when i tried to check my Experian credit score on XXXX and XXXX i was able to see the credit scores from 2 bureaus ( Experian and XXXX ) perfectly fine so i tried to reach out to Experian customer support almost 30 times from the past 10 days so check why i was able to see my credit report while others were not able to, and there was no clear response from their side and all the representatives who spoke to me said that they were able to access my credit report but when i asked them why other people were not able to access anything when they ran a hard inquiry on me they were not able to answer anything So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible.

I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well.

Will be waiting for your Response.

Thank you, 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 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: OK

Complaint narrative:
Date of last activity is left off and collection made to look recent. Date of Last Activity on Credit report reflects no date and should show XX/XX/2017.

Company response to consumer: Closed with explanation