vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with Barclay 's Card not XXXX XXXX XXXX or XXXXXXXX XXXX   XXXX - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with Barclay 's  Card and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought XXXXXXXX XXXX XXXXXXXX for legal debt advice to come after me for a debt i don't owe them.

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 2018-09-05 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: FL

Complaint narrative:
Account Type : LEASE Account Number : XXXX My payment due date is on the XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing 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 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For no reason, Capital One restricted/ closed my account without any notice or reason why. I've been a loyal customer for many years always paying my account on time and keeping a low balance. I've never disputed and issues on my card so I don't understand why they could say my card is possible fraud. That is not true. I am the owner of this account and I have for many years. I pride myself on my good credit and payment history. They also requested that supply IDs and social security cards for my authorized users. I don't understand why, I'm paying the bill monthly, most of the time in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: CA

Complaint narrative:
Experian has been advised repeatedly since the end of XX/XX/XXXX my XXXX credit card is a Closed account. XXXX has told me and written to myself and Exprian the account is closed and has been close for over 2 years. When the FACT the account is closed not open is pointed out Exprian only updates my outstantding balance owing never corrects the STATUS TO REFLECT MY ACCOUNT IS NOW CLOSED. This error is affecting my credit score because it looks like I am using more credit than I have access too raising the % of usage to over 30 %. The reality is I am using less than 10 %. Exprian refuses to accurately report the XXXX card as a closed credit account. They report status as open per a report date of XX/XX/XXXX ignoring the repeated reports the account as closed since the alleged report date of XX/XX/XXXX. Please see letter from XXXX on XX/XX/XXXX clearly reporting account CLOSED. The attached documents demonstrate it is EXPRIAN that is refusing to report my credit accurately. I have noted on attachment the proof and false reporting by Exprian. Please help me get Experian to accurately report my credit instead of ignoring current status as requested and reported to date by me and my creditor. Thank you.

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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted numerous of dispute letters regarding a debt that has shown up on my credit report for some time now. I sought legal advice with a lawyer and per form 609 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they 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. 

I sent a letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX, ACCOUNT NUMBER XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) During this time the account was purchased by a Collection Agency by the name of : XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX I sent a 609 letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX XXXX , ACCT # XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) I AM DEMANDING TO SEE VERIFIABLE PROOF. 

I have also submitted the same letters to XXXX and XXXX in which the have removed this from my credit report.

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 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
XXXX XXXX has repeatedly reported derogatory information to the credit bureaus causing my credit scores to drop considerably. This was from a XXXX medical bill that they set up monthly withdrawals from my credit card. I have the statements and now they are saying I owe additional fees that were not included in the withdrawals. I attempted to explain, I did not set the amount, I just provided my card information to eliminate the debt and not ruin my credit! They have stated they are uncertain why the amount XXXX Dollars for one and XXXX Dollars for the other were not taken, however, if I pay it now, they will stop reporting it. Mind you, they are reporting twice a month. This is just a terrible act committed against the little people. I was trying to be responsible and they still ruined my credit. I was in the process of buying a home, my score dropped 40 points in two months. This is unfair to the core of collections!!!!! We the little people in the Big Business World require assistance. HELP!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX, I was notified about two Fraud attempts on my Chase Freedom Credit Card. My online banking was suspended. I was told I needed to verify my identity in person at a branch with two forms of identification. I spoke to XXXX and XXXX about the credit card attempts and informed them it was not me. 

XX/XX/XXXX, I noticed checks were deposited on my account but they were not deposited by myself. They seemed to look similar to my payroll checks from my employer but not authenticate. I also noticed quickpays out of my account that were not done by myself. I called Chase and was told once again that I needed to go to a branch with two forms of identification. That morning I went to a Chase branch, closed my checking account and opened a new one like the representative advised me on the phone. I filed a claim about the checks and quickpays. 

XX/XX/XXXX, I received an email that I needed to verify an external account that was added to my account. I went to the bank again who told me it was on the old account and that the notification was in reference to the quickpays. 

XX/XX/XXXX, I was at a Chase branch when I found out my bank accounts were frozen and it became a deposit only account. I had to cash a payroll check to make sure I had access to funds. 

XX/XX/XXXX, I went to the ATM and saw I only had XXXX XXXX dollars in my bank account. I spoke to a banker and was told my claim of {$3700.00} was still pending but received a credit XXXX XXXX dollars was added to my savings account which was still frozen. 

My complaint is that someone other than myself had access to my online banking. Chase has done nothing but failed me. I have been a customer for over ten years and I have worked in customer service before which knows how I should be treated as a customer. I'm clearly a victim of identity theft and feel like Chase has treated me as a criminal. Someone forged my signature, deposited counterfeit checks and did three quickpays which seems like this has federal crimes all over it. I just want my money refunded to me which was in this case stolen from me via using my online banking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
We've attempted to loan modification. We've been denied. Per the lender there's a sales date of XX/XX/XXXX18.

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 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am have been currently active in reviewing my credit history and have found accounts in collections handled by XXXX XXXX XXXX which are not accurate nor mine. I have tried asking for documented proof or other identifying proof and the company checks off their database but provides no transparency to myself. 
Ive yet to receive one call or even one letter, no notification has been made to me that I owe on outstanding debts held by them, and yet it is stated on my report. 
Under the FCRA laws I have petitioned documentation and verification of my data, I have petitioned that this be validated to me as well as the manner of such reporting. 

No account number is listed so there is nothing I can reference beyond what is stated in this query. 

I have asked numerous times that this result, which I believe to be a mixed file issue, be resolved. I have yet to have any due diligence or compliance from the company and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and Wells Fargo is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with Wells Fargo and all I would like for the account to be removed.

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 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I've repeatedly complained but to no avail. This morning I noticed that payments that were marked " on hold '' on Friday now show as coming out today. Citizens holds larger payouts until a poor man 's account is low and the system changes the arrangements of payouts on the app balance sheet. Then, they fine me for an overdraft. They do like to remind me that I read the Terms And Conditions. But my credit isn't bad, just not good enough to be considered for overdraft protection. This IS now matter how it's worded, a tax on me for being poor. Please help. I'm working one whole week to pay back fees that my neighbors aren't all charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
A tornado hit my house, and caused damage. I dealt with the claim through the insurance, and after a number of weeks, had resolved the amount and was going to hire my contractor to repair the work. The mortgage company caught wind, and refused to allow payment from the insurance until I satisfied their documentation demands, which I did. I called to ask why they needed all of the information they were requesting, and they rudely told me it was their money and I had to do whatever they said. I sent the insurance check to them via USPS tracking to be endorsed. They apparently sent the fully endorsed check through standard mail with absolutely no interest in verification or tracking and told me via email that if I wanted security I should have paid for it myself ahead of time, and that it was not their problem if the check was lost or stolen, that I could just deal with the insurance company if that happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and XXXX XXXX is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with XXXX XXXX and all I would like for the account to be removed.

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 2018-09-05 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: MI

Complaint narrative:
I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and XXXX XXXX is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with XXXX XXXX and all I would like for the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I had a 6 month advertising agreement with XXXX for my XXXX XXXX XXXX. Communication with them was always by email. I told them to cancel my account and for 2 months they repeatedly sent me notices about my payment not processing. They actually billed me for 7 months and said it auto-renewed. 

They also changed the layout of the website and it longer featured my ads across the top. So they were not even providing what I had contracted for. 

I am now getting harassing calls from a girl named XXXX at a collection company called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I Have told her she can't just call me on the phone and I need something in writing and I thought it had to be certified mail or return receipt. She stated she sent a letter, but I never received it. I have since researched the payment history ( attached ). 

She is threatening to turn me into the credit bureau 's. I do not owe Homes.com anything in fact I should be entitled to a refund of the 7 month 's extra billing. 

Payment History attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
In XX/XX/2013, I was t-boned by a drunk driver and 2 weeks later I was rear-ended by a gentlemen who was texting his wife about a loaf of bread he had just bought. I had suffered many injuries and sustained a XXXX in my XXXX XXXX. The medical providers were told that they need to be contacted by my attorneys and that they were to not contact me due to a lawsuit in process. My attorney, XXXX XXXX, had settled with XXXX XXXX XXXX for {$2300.00}. I also have a copy of the check stub and letter that was sent to them. This debt has been paid off and the case has been settled. Please remove this from my credit report. I have sent them many letters, as well as the credit bureaus to remove this, but have not had any response. Again, this is very wrong of this collection agency to not remove this debt. I will be happy to provide copies of the check stub and letter stating what was settled amongst my attorney and the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have XXXX XXXX loans through Wells Fargo, and have auto-pay. I've not had a late payment in 15 years of paying. I went into a local branch on XX/XX/2018, to make an additional principle payment ( wrote that I wanted it to go toward principle on a specific loan, and pointed it out repeatedly to the bank teller. ) I have two distinct loans ( XXXX ) and ( XXXX ). Each has a different interest rate. I requested my additional principle payment of {$500.00} that day go to the loan with the higher interest rate ( XXXX ). I was told the local branch could not do that, and the student loan department was closed, since it was Saturday. I spoke with a Personal Banker to explain the payment I wanted to make, and she indicated she would look into it and get back to me on Tuesday, XX/XX/2018. I have still not received a call back from the local Wells Fargo branch. 

On Wednesday, XX/XX/2018, I logged onto the Wells Fargo website and found that, not only did my extra {$500.00} payment split between the 2 loans, it did not all go toward the principle. I was charge {$24.00} in interest on loan XXXX, and {$24.00} in interest on loan XXXX. My normal auto-pay comes out on the XXXX of every month, just like clockwork for the last 15 years, and I make clear at the time of the extra payment that it was an " extra payment for principle only. '' So, it appears Wells Fargo is blocking me from : 1 ) Making a principle payment 2 ) Paying off the highest interest rate loan first 3 ) By default, collecting all of the  possible interest they can on my loans, and trying to extend my payments as long as possible. 

I've tried many times over the years to make a principle payment, and have been met each time by Wells Fargo with the same attitude : " There's no way to do that. '' Now that they have finally been reeled-in by the government for unfair business practices, I'd like to point out that they are unwilling and/or unable to process a principle payment on a specific loan, which I believe to be against the law.

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 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have disputed this claim to no avail, that was listed on my credit report by Hunter Warfield account XXXX, I have never rented a rental property or have knowledge of one and believe this is a fraudulent account. I am requesting that this be removed from all of the credit reporting sites and my report permanently.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halstatt Search Partners
State: OH

Complaint narrative:
These are the MOST RUDE and UNPROFESSIONAL individuals ever. They are disrespectful. They say things like " your a deadbeat ''. Multiple Times I have communicated to this company NOT to contact me at work. They continue to call me at work with the most recent voicemail being XX/XX/18 at XXXX XXXX EST. I have communicated with in writing that there should not be ANY calls or contact attempts made to me at work.

Company response to consumer: Closed with explanation