vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Unbeknownst to me, while on vacation in XXXX, for 4 weeks, an automatic payment to XXXX XXXX XXXX XXXX XXXX scheduled on the XX/XX/XXXX was returned due to insufficient funds on my account. 

Upon returning from vacation, my investigation on my account led me to the conclusion that because of the bank imposing a hold on a check I deposited resulted in this event. 

In this age of technology commerce, banks should not be allowed to hold funds longer than a day. The funds can be easily verified by making a call to the institution. My bank is local, therefore, it makes no sense on holding it for that long. 

Another note for Golden 1 to consider is that I have been a long time member and I have my pay check direct deposited to my account. 

I'm asking Golden 1, as an act of good faith, to indicate a technical errors caused the funds to be unavailable

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 2018-09-18 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: Focus Holding Company
State: NV

Complaint narrative:
Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XX/XX/2018. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact XXXX  to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Around XXXX XXXX  or so i emailed this company asking for late payment forgiveness, i was XXXX  and going through XXXX XXXX for a few years on and off. a few days later i get a call from XXXX with Cap One who wanted more information about my XXXX. company is insensitive to the misfortunes that people go through, i was asked about a XXXX. I was not once asked about be being XXXX  or to verify but i was asked details about my XXXX. If the XXXX was of no importance, what is the need for the questions? Nothing else in that letter was asked to be verified. today i get a letter stating that they asked me for other payment options, XXXX of 2018 i was still XXXX, so if there was a letter sent it was never received since i was not stable. this company does whats best for the company not for the customer. I dont want the account reopened, i have a new account with you guys. Im aware of my horrible past with you guys and i am trying to make life right and this would be a big help, i never asked for all the late fees to be removed anything helps. thank you for supporting people of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I filed a submission to FDIC - Reference Number : XXXX I called XXXX XXXX XX/XX/2018 regarding two credit card accounts I have with them XXXX and XXXX XXXX  credit card accounts. The issue is the rewards program which seems fraudulent they offer and the miscalculation of my XXXX XXXX credit account and poor customer service. The account manager refuses to resolve the issue XX/XX/2018. XXXX XXXX I ordered {$220.00} ( See attached order ) worth of merchandise out of {$500.00} credit, it left me with a balance {$100.00} which is wrong, it should be {$270.00}. It seems that XXXX XXXX is trying to enrich themselves by overcharging me false purchase I never made. The XXXX XXXX customer service representative was very rude, had me on hold for a long time and bringing XXXX into our conversation. Then her supervisor name XXXX was sarcastic because she wouldnt listen about my order and she acted very rudely especially I inform her that the customer service agent was rude and nefarious. XXXX acted so rudely I requested her supervisor the Account Manager. The Account Manager agreed with XXXX, however, didnt hear the conversation. His tone was cold, and he acted unprofessionally about my credit account balance blaming it on XXXX XXXX customer service. I called XXXXXXXX XXXX customer service and they agreed how much I ordered {$220.00} and the XXXX XXXX credit department miscalculated my credit card. See the attached receipt. XXXX XXXX is trying to enrich themselves by charging me extra charges on my account which I didn't give permission nor charge but {$220.00}. XXXX credit card- XXXX XXXX I was sent an email from XXXX  that I had XXXX rewards points and XXXX leftover points ( see attached email ). However, I have only XXXX reward points. Then I was sent a rewards certificate for {$30.00} and the CERTIFICATE # XXXX didnt work. When I called Customer service at XXXX XXXX the customer service acts rude and they only applied a lesser amount of points when I ordered over {$400.00} dollars worth of merchandise. The rewards program seems fraudulent to get a customer to order but they dont want to give the correct amount of rewards. The rewards program needs to be reevaluated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account with XXXX XXXX XXXX  account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with XXXX and Equifax. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was 34 payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have contact XXXX XXXX several times, and every time I dispute the amount shown on my credit report they indicate I owe it to them. I asked them to show me proof of my signature and all they send back is that the debt is valid. I would like for them to show me my signature for the loan they say I owe. They have still yet to provide me with proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Enerson Law, LLC.
State: TX

Complaint narrative:
What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and Enerson Law, LLC, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX , XXXX. This company bought my debt from XXXX XXXX. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with XXXX XXXX but XXXX , XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is Emerson Law ( XXXX XXXX ), XXXX , XXXX, the company who either bought my debt or a collection agency and XXXX XXXX, the original debtor.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI

Complaint narrative:
I have 2 collections account from a company I do not know of. I have disputed this on my credit report and they say the debt is valid, without showing proof of signature. Second Round insist that I owe this debt. I would like it removed from my credit report or they need to provide proof my signature for the debt they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following debt has been paid. I am a veteran and the VA pays all of my medical bills. I did not receive notification of any debt. They just placed it on my credit. 

XXXX Agency Name : XXXX Balance XXXX, XXXX Status Unpaid Debtor : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MO

Complaint narrative:
Violation of Fair Credit Reporting Act. Re-aged Voluntary Surrender from XX/XX/XXXX to XX/XX/XXXX. 

Contacted Vanderbilt Mortgage on XX/XX/XXXX to settle mobile home mortgage collection account that was a voluntary surrender in XX/XX/XXXX. Spoke to XXXX. 

Balance due : {$5000.00}. 

Agreed to settle for {$1200.00} within 90 days with remaining balance to be forgiven. 
Made the following payments via www.vmf.com online payment system : XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} Settlement paid in full in 37 days. 

Credit Bureau payment submissions by Vanderbilt Mortgage ( XXXX ) :  XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Collection Account - Balance {$5000.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Balance {$4400.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) /Account Paid for less than full balance/Account Paid in Full, was a voluntary surrender - Payment " OK '' ( XX/XX/XXXX ) Balance {$0.00}. 

( XX/XX/XXXX - Spoke to XXXX concerning XXXX not being updated with a {$0.00} balance. He was rude with me and told me to " take it up the the credit bureau. '' I filed a dispute with XXXX  the same day due to Vanderbilt Mortgage failing to update balance on credit file. ) XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) **XX/XX/XXXX Voluntary Surrender payment history deleted** - Account paid for less than full balance/Account paid in full, was a voluntary surrender - Balance {$0.00}.

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
Consumer complaint received 2018-09-18 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/18 I purchased a XXXX recliner. Their Sales Associate, offered me a 14 % discount if I opened a credit account. So I agreed, and purchase several other items as well. The paper bill arrived on XX/XX/18 and it was paid in full on that very same day, online, via my Bank. 
Sometime later, I used my credit card again, to purchase a gift for a friend. I dont remember what date that was, since Ive never received a bill for it. And since I never received a bill, I totally forgot about it. I was made aware of it, when I received an email on the evening of XX/XX/2018. I called the number indicated, but the offices were closed. I called back the morning of XX/XX/2018, and was told that I owed an overdue balance of {$100.00}. which was a total shock to me. That amount was the total cost for a {$49.00} purchase and two months of late fees. 
Well, I never received a bill. Apparently, the e-bill went to my Spam folder and disappeared after a few days or so, because I never open spam mail. I never received a late notice in the mail. And I never received a courtesy call notifying me of an overdue bill. I had no idea this was going on. As soon as they made me aware of it, I paid the {$49.00} that day online, via my Bank. I called the Credit Department back again, yesterday, requesting that they remove the late charges and the 30-day delinquent post on my credit history ; they agreed to remove one of the late charges but were unable to remove the delinquent post. So I immediately paid the remaining late charge of {$22.00}, and my account is now paid in full. I was directed to contact their credit department in writing to dispute this erroneous delinquency, and request the removal of the 30-day delinquency of my account. All of this has been a result of miscommunication, as I would never intentionally NOT pay a bill that I owed. They have flatly refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank charged a service fee and over-drafted my account twice. 

I've tried calling, chat ( waited 20 min ), and XXXX XXXX. They constantly closed our conversations and put me a new person to chat having to begin from scratch. 

I thought that I was going to get that service fee waived because I had the requirements within the dates of the same billing cycle. 

I talked to XXXX Saturday 15 when this was issued over chat and supposedly filed my complaint with the Executive Response Unit and was promised a call by them on Monday XXXX. Immediately after I took my account out of the overdraft threshold. 

On Monday XXXX, I went to a branch location and fixed the {$12.00} service fee. 

Now, today Tuesday XXXX, after 4 days the account was charged a {$34.00} overdraft fee and most likely they will attempt to do another overdraft fee tomorrow because of this last fee. Totaling {$80.00}.

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
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Paid my credit card payment through compass and didnt have the money to cover it so got sent back. No one notified me or told me. And they kept trying to put it through all month charging me XXXX $ every time. They tried to say I didnt have money in the bank so I asked if deposits go on before withdrawals. I was told yes. Then wen I showed them the withdrawal went through at XXXX am and I got my paycheck at XXXX and deposited it, thats wen they change their mind and say no this particular withdrawal is instant even tho it never has been instant for a whole year until I showed them wat they said wasnt correct. So they just change their minds everytime you prove that they are lying. Isnt that convenient. Always a reason how theyre right and the customer is wrong. That way they can steal money from on anyone anytime they want. This needs to be stopped and compass board of directors needs to be locked up with a life sentence since theyve been stealing from Americans since they came into existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and XXXX XXXX, XXXX, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX XXXX XXXX. This company bought my debt from Wells Fargo. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with Wells Fargo but XXXX XXXX XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the company who either bought my debt or a collection agency and Wells Fargo, the original debtor.

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 2018-09-18 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:
The account of XXXX XXXXXXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and XXXX also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XXXX XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX co date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc

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