vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a {$9400.00} check from my payroll company, because I was laid off. I deposited the check in the ATM. Not until after the transaction was completed did the receipt tell me a Hold was placed on the whole deposit, not just a portion. And the Hold was placed for over 7 days until XX/XX/XXXX. Without this money or a portion of this deposit it has caused my family and I a hardship, bills have bounced and more will bounce. I asked the bank can they make a portion available and they give me a scripted answer they are waiting for the check to go through a 3rd party verification, and maybe I should have direct deposit. And I explained I was laid off and this was a check given to me from the payroll company, and I previously deposited a check for a lessor amount a week and half ago from the same company and my direct deposit every week from my previous employer was from the same company but they would not budge. Furthurmore I asked if they would refund any fees associated with any bounced payments and they said " No ''. I even asked If I call the Payroll company and verify if the check has cleared their acct could they release the funds they said " No ''. If I had known a Hold was going to be placed I would have tried to cash the check before depositing in the ATM, I even asked the bank teller minutes after if I could get the check back and she said " No ''. As you can see from my attached receipt I was trying to make sure I cover my bills that were set to go through!! I bank with Bank of America

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 2019-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
XXXX XXXX, the processor of the XXXX credit card, lied to me about their policies and intentionally processed a payment, received within one billing cycle, to the next billing cycle in order to charge me interest in the amount of {$3.00}. The representative of the company initially couldn't even figure out why I had been charged. A supervisor refused to reverse the charge. I have paid the account in full and closed it, though a I feel that this company should be stopped from lying to customers and intentionally processing payments late so that interest can be charged when it truly isn't applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I dont owe XXXX XXXX or XXXX this much money!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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:
XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-03-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX A XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: PA

Complaint narrative:
I dont owe XXXX XXXX or XXXX  this much money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CO

Complaint narrative:
I had leased an apartment for a year with my close friends. When XXXX XXXX went under new management, we came home at XXXX  and our belongings were thrown out of the apartment. We had no written letter, no eviction notice, no explanation. When we went to the office we were told that new management was taking over and that there was nothing they could do. I was young when this happened and had no idea how to handle it. Years later I got this collection on my credit but didnt believe it to be true since it wasnt a normal eviction. This was in year 2015. I was XXXX years old. Now XXXX at XXXX XXXX is trying to collect XXXX $ through a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial Credit Network reported a debt from XXXX XXXX XXXX. This was paid through escrow in 2017, when I sold the house that was being serviced by XXXX XXXX. Company said they NEVER received payment, so I paid them directly. I was advised that it would be reported and DELETED! I never saw the item removed from my credit profile. I am respectfully requesting to have this matter looked at, as this account was paid TWICE! I am being held back to get a FICO Score needed to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I had a VA mortgage that was foreclosed on XX/XX/2016. I have a letter saying this is the date the foreclosure was completed. 

Wells Fargo Home Mortgage continues to report a late payment each and every month for the last 3 years even though the account is closed. 

I need them to stop reporting late payments on an account that is closed. 

Last year I talked to about 10 different people to get this resolved and they assured me that the faulty reporting would stop. They failed to stop.

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 2019-03-15 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:
After asking to EXPERIAN to investigate a violation with a Past Due balance in a collection account, EXPERIAN came back to me in XX/XX/2019 marking as " VERIFIED '' the Violation from XXXX XXXX XXXX reporting a past due balance in a Collection account.. 
Why do I have to notify you that its a Violation of the FDCPA to report a collection with a past due? .. 

XXXX XXXX XXXX is reporting a past due in a collection account wich is a violation of the FDCPA and must be deletes from my report.. 

I did the proper request to EXPERIAN and XXXX XXXX XXXX confirm the violation, also I will include picture of the EXPERIAN report where you can see the before and after in a circle ... 
I dont want to see excuses from EXPERIAN or XXXX XXXX XXXX knowing theres a clear violation ...

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 2019-03-15 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: MI

Complaint narrative:
I had a student loan with XXXX and XXXX reported my account as 120 days late to TRANSUNION, which is incorrect. I entered into an agreement with XXXX in XXXX and told them that I would be going back to school in XXXX so they put a hold on the account until then. I didnt go to school in XXXX as planned. I called them and made payments in XXXX and XXXX per the second agreement I made with them to keep my loan from being in default. I have payment receipts to prove I made payments. They also reported that my payment was {$45.00} instead of the XXXX payments I was making. Incorrect information again. I contacted XXXX first and they did nothing to remove the false information in my credit report. I decided to consuct business with XXXX instead. The loans at XXXX are paid in full and the account is closed but TRANSUNION is still reporting the account as 120 days past due. It brought my score down significantly. All that I asked of Transunion was to remove the remark regarding my payments being 120 days late and give me back the points I lost on my credit score.  TRANSUNION has done nothing after I contacted them several times regarding the removal of the incorrect infomation.

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 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
In the year XX/XX/XXXXme and my mother as a ci-sugner bought a XX/XX/XXXX XXXX XXXX, the total price for the vehicle was {$23000.00} with {$1000.00} down payment and dealership fees and other fees that gave that sum. Seller was trying to sell us the vehicle and just started adding numbers and more numbers and % for lease without explaining and if he did explain, it was short and like any other seller says when trying to get some one to sign, he said ; sign here for this that and this portion for this and that not explaining well the % of interest and principal when he mentioned 8 % only and folding the papers not letting us see the total dollar amount of {$38000.00}, if we would of have seen the {$38000.00} we would of think it through and not take it, nor did the seller offer any other financing options like a new XXXX with 0 % apr, and only just showed us the total for {$24000.00}. We feel that we were taken advantage of and did not offer a good customer service as well. 
If there is something that can be done or even try getting rid of the vehicle it would be good since we are not wanting to keep paying {$510.00} per month for the rest of the contract a total of 3 and half years with balance of around {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC
State: PA

Complaint narrative:
Hi, My debt was sold by XXXX XXXX XXXX , XXXX to JTM Capital Management , LLC. I managed to find their contact information through the XXXX ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about JTM Capital Management.  XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX  regarding JTM https : XXXX # Alert If you're able to help shed light on this situation, I would greatly appreciate it.

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 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays reported to the Credit Reporting Agencies that my father was deceased ( he's alive ). 

As a result, my father ( whom I have a power of attorney for ) had another credit card close his account causing direct consumer harm. 

Barclays has received no information indicating my father passed away, and has directly violated FCRA and UDAAP. 

I have called Barclays, and each time their office seems to have limited understanding/knowledge, and has not been able to provide any information. I have been transferred to a voice message. Each phone call is spent confirming PII for customer verification, blind transfers where I am forced to repeat all of the same information. 

Barclays requested speaking with my father, and I advised them I am handling his business. Barclays further insisted on speaking with my father, and I advised the point of a POA is so I can handle his business for him. I resent the POA to Barclays twice.

When I called XX/XX/XXXX, I was transferred to Barclays outsourced ( XXXX office ). I advised them that my father is not dead and asked what is being reported to the CRA 's. 

I was advised they would investigate and determine in 7-10 days. I asked how I would be advised of the resolution, and I was told I could call back. 

Additionally, I advised that a payment was sent in XX/XX/XXXX or XX/XX/XXXX and advised that I have not received any further bills. I asked how I could be provided, and no indication that I should anticipate receiving anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I rented an apartment where I needed a LANDLINE for " work from home '' purpose. The XXXX XXXX XXXX field tech did not want to install a line from the pole to the building, Stating it was OLD technology and I SHOULD be using the DSL line option. Field tech left and NEVER installed / established services for this account. But XXXX XXXX XXXX did generate a bill that service was done. I called and had no luck with the rude XXXX XXXX XXXX service reps. Stated they only go with what their system says.

Company response to consumer: Closed with explanation