vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
AMEX will not provide me the truth in lending documents I signed to initiate the loan. I need these for a mortgage I am closing on. They claimed they are available on the online access through the home page of the loan ( in the top right corner select this account ), middle of the page " view loan documents '' and then it should be an option there. It is not. They do not believe me it is not there, and I have offered to give them my log in, and check for themselves. I also requested an email I can forward a screen shot or a video of me going to that location and the documents not being there. 

I requested by chat and phone that the truth in lending documents simply be emailed to me. I was first told no, that is against policy. Then, I was told they would check with the manager and get them to me. This was several weeks ago and they still have not got them to me. I have used every single link online. It simply does not work. 

I need these sent to me electronically by email ASAP. Or the loan needs to be forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I received a letter from a XXXX XXXX XXXX , XXXX. saying that I owe them {$14000.00} on behalf of XXXX XXXX XXXX. As Ive already explained umpteen times to XXXX XXXX, the charges that make up this balance ARE NOT MINE!!! I will not pay a XXXX of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
This is now my second complaint with the CFPB and I am shocked that no one cares to try to fix my problem. I thought the CFPB had some power to protect the consumer. I am very disappointed in this process. 

I am have in contact with J.G. WENTWORTH home leading since XX/XX/2018 and have been ignored, disrespected and made to feel worthless. 

J.G. WENTWORTH screwed up at closing and I am now forced to pay an additional XXXX a year and they said it was bc of taxes. That's a lie. Taxes are not allowed to go up that much in a year California law article XIIIA of the state constituon commonly referred to as prop 13. 

They are not helpful and condescending. I am tired of calling 100 times  and not getting anywhere. 

I have now found another person who J.G. WENTWORTH also XXXX   up with and forced them to change an already signed CD bc they left off PMI and threatened not to fund. 

These people are scum bags. I have contacted by 3 different dispute resolution employees, 3 managers and VP of the entire department to have almost zero movement. The VP was condescending and flat out lied to me on recording and in writing. 

I WANT RESOLUTION, NOW!! I AM TIRED OF THIS XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late 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 explanation
Consumer complaint received 2018-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late 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 explanation
Consumer complaint received 2018-11-30 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: MA

Complaint narrative:
I disputed a charge at the end of my lease. The lease holder was XXXX XXXX. While in dispute, I continued to try to contact both the auto dealer and the leasing company. I did not get a satisfactory answer from either, and as a result chose not to pay the bill. XXXX and the XXXX dealership basically ignored the complaint, and I finally surrendered and paid the invoice. 

To my shock, this negatively affected my credit rating severely, which will have a material effect on my ability to borrow. My rating was approaching XXXX, and this tiny issue of less than {$400.00} dropped the rating to 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 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a letter from a XXXX XXXX XXXX XXXX XXXX. saying that I owe them {$14000.00} on behalf of Fifth Third Bank. As Ive already explained umpteen times to Fifth Third, the charges that make up this balance ARE NOT MINE!!! I will not pay a penny of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I wrote XXXX  and XXXX on XX/XX/2018 to dispute an inquiry on my personal credit report from Capital One on XX/XX/2018, nothing of any merit was ever sent to me except a letter stating to contact Capital One about my issue of inaccurate and misleading information on my credit report that is affecting my ability to obtain credit. 

I wrote Capital One on XX/XX/2018 and received a generic response explaining the types of inquiries. I wrote Capital One a second time on XX/XX/2018 and received back an identical response that did not satisfy the request for actual documentation of a credit application as required under CFR 1002.12 and 15 USC section 94 as it applies to the FCRA. 

The inquiry from Capital One whom does not have any proof of Permissible Purpose and has not provided any reasonable documentation to XXXX   or XXXX  should be deleted immediately because it is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Have been trying to get a reinvestigation into the account from XXXX XXXX which is not mine and would like removed off my account, belongs to the other person from the account and been very frustrated in getting cooperation in getting it 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 2018-11-30 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: CO

Complaint narrative:
I was on XXXX to consolidate my bills. XXXX XXXX was one of the bills. It was closed and paid in full two years ago. It showed as a charge of not once but twice on Transunion two years after it was paid off. I have called several times, been called a liar and hung up on. I worked very hard to pay off my debts and was just getting back on my feet. It is wrong when credit reporting agencies supply in correct info and refuse to correct 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 2018-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Payments are coming out of my XXXX XXXX Account every month but yet the company say 's that they are not getting my payment yet my bank statements show 's all the payment made and the company have been giving my credit a bad ratting. I have faxed all of my proof to the company with my bank statement 's yet the company is still going to close the account and give my credit a bad rating. total amount {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with Discover Bank. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do travel XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware Discover Bank has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and Discover Bank for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a travel nurse out of state if this case is not dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a loyal member of Chase bank for over 10 years and I have had a Chase United credit card for over 10 years as well. I have made many attempts to have a fraudulent charge removed from my account with no avail. On XX/XX/2018 there was a transaction posted to my Chase United Club card ending XXXX in the amount of {$7800.00} at XXXX to the merchant described as XXXX that I did not make nor did I authorize. 
Since a telephone conversation earlier today, I learned that this merchant is a XXXX account affiliated with XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. We spoke with XXXX at XXXX ( XXXX ) who states that there is no record of this transaction using my credit card ending XXXX. We also spoke with XXXX the supervisor / business owner at XXXX XXXX ( XXXX ) who states that this transaction did not exist and that he did not receive this payment. However, this charge remains on my account and is a charge I am expected to pay though I received no benefit from this transaction. 
Since this transaction occurred at XXXX on XX/XX/18, I will honestly recount my whereabouts in an effort to defend the fact that I did not make this purchase. My evening started at XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where I enjoyed dinner with my friends and my husband ( who is authorized to use this credit card ending XXXX ) a birthday. I arrived at the restaurant around XXXX and learned that this restaurant did not accept credit cards. So, I used the Chase bank ATM at XXXX XXXX, XXXX XXXX, NY XXXX to withdrawal {$300.00}. I left the restaurant at around XXXX and went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX to continue the celebration. I handed my credit card ending XXXX to the bartender to open a tab for drinks upon arrival. I never left the bar until I closed out the tab at XXXX and authorized a total charge of {$130.00}. At no time between XXXX and XXXX did I leave the bar nor did I make any transactions using the credit card ending XXXX. I did not authorize any third party to make transactions using the credit card ending XXXX. I then left the bar with my husband and we took a cab home and I paid for this taxi ride using the credit card ending XXXX in the amount of {$7.00} at XXXX. 
I have no other proof that I did not make this {$7800.00} purchase other than my word. I dont know what else to do to prove to you that this purchase is fraudulent. 
Please let me know if there is anything else I can do to convince you that this charge is fraudulent so that it can be removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30 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: IA

Complaint narrative:
I made a {$51.00} dollar purchase at XXXX XXXX XX/XX/18- I used my XXXX/XXXX  charge card for the points rewards. After the purchase I wanted to pay the balance in the store but they would not accept my bank card to pay off the credit. 

I pay ALL my charges off in full at the time of purchase or receive the first statement. In this case I was not mailed a statement. I received a text message in XX/XX/XXXX from the creditor saying I had a past due balance. After talking with them my bill had incurred {$62.00} in late charges and fees. I tried to dispute the charges as that was the first contact I had with the creditor. While the did waive {$38.00} they reported my account late which affected my credit score. It is the only late payment I have on my report. I sent a letter to the company explaining that I had not been mailed a statement and paid the balance in full plus fees as soon as I was made aware. I requested credit repair and they replied back that they were unable. 

XXXX perks are a trap for consumers to use their cards that would normally pay with cash. This company profits from late charges and fees by not sending bills out timely. They also have multiple complaints due to damaging their consumers credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
They called my sister harassing her n yelling at her. Then threatened to record the conversation. They need to b stopped. My sister just got her a new cellphone number n somehow they're calling her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I disputed and requested validation from Diversified Consultants, Account # :XXXX  via certified mail that they received on XX/XX/2018. I received a response letter from Diversified Consultants dated XX/XX/2018 with a photocopy of a bill. A copy of a bill is not validation of a debt. Is it possible to validate a debt in two days? On XX/XX/2018 I sent another letter via certified mail ( received XX/XX/2018 ) requesting validation of this account and the procedure used to determine the accuracy and completeness of the information. As of XX/XX/2018 I have failed to receive validation. These are violations of the FDCPA including but not limited to Section 807 ( 8 ) and FCRA including but not limited to Section 623 ( b ). This needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I opened my own bank account and Navy Federal credit union changed my statements to my ex husband mailing address. Nobody could tell me why this error was made? I went into the bank and spoke to a manger and he told me he had no explanation on why bank staments had my ex husband mailing address, he then looked deeper and my ex husband changed his account to his new mailing address so Navy Federal changed my own personal account to his mailing address. They felt they did no wrong and if I wanted to withdraw my funds they would immediately give me my funds and conversation over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I made a transaction for {$2800.00} through my Wells Fargo Checking Account for an online purchase. Unfortunately, it was a scam and I never received anything. I have been suffering from severe XXXX because of this and Wells Fargo has done nothing to resolve the issue. I wanted them to go after whoever this so called merchant is and get back my money.

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 2018-11-30 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: TN

Complaint narrative:
Please delete ALL allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question..I am not related to any of these companies and did not sign up for an account..I demand that you remove the accounts asap XXXX/XXXX XXXX, XXXX XXXX XXXX*, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo and XXXX XXXX XXXX have opened accounts using my previous information at a time when I have banked with each of the banks at one point in my life. Employees From both these branches have re opened account without my permission to gain monthly bonuses and meet the monthly requirement as an employee, the banks also gained off victims like myself by opening fake accounts it showed growth in banks overall gained interest in stocks to go up, collected fees from fake accounts, caused my credit score to drop damaging my life. Wells Fargo has offered to settle the matter with a refund that I dont agree with. The amount is low for the all the harm these banks have caused my family. I wanted to settle the matter in court but unfortunately these banks are protected from doing so.

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