vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 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: ERC
State: AL

Complaint narrative:
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/2018 letter from Transworld System. Informing me I owe XXXX. 
This is 3rd letter from a third party collection on XXXX account. I have written to Attorney General & FCRA on this same XXXX  account. I have copies. 
I would like notify Tranwworld System this account should be handled with XXXX only. 
I always informed XXXX that we could go to court on this unjust issue. Now I realized that I will have the lawyer mail Intend to sue letter. Senior Abuse I am a XXXX XXXX XXXX XXXX survivor trying my best to take care of mother with XXXX. 
I am on Social Security can be verified. I do not need anyone to mess up my credit report with unjust claim of me owing something. All other collection company gave them file back. 
I do not truly believe Transworld is aware of this situation! 
So I am being hope that you will do the right thing. 
Thanks hope hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
I received an email about a collection on my credit report, it stated I opened this account 11 months ago and never paid the amount due this is a lie. I have been with XXXX XXXX for the past 2 years and before that I was with XXXX 2 years prior to that this is a false charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My vehicle was involved in a collision on XX/XX/2018. My car was taken to the dealership for repair and my insurance issued a check payable to myself and Capital One to be endorsed and sent to the dealership, XXXX XXXX XXXX, to pay for the repairs. I endorsed the check and forwarded it Capital One per their instructions. Capital One instead credited my account for the total amount of the check which was significantly less than the payoff balance. This check should have been immediately recognized as a check for repairs and not payment as it was sent by the insurance company and I had previously notified Capital One of the accident and insurance claim. 

After many weeks and phone calls, Capital One finally acknowledged their mistake and removed the credit for these funds from my loan account and agreed to forward a check in that amount to the dealership that had performed the repairs on my car. After many weeks of waiting and multiple phone calls, I was told many different things such as the repair check WAS being overnighted out, the repair check HAD been overnighted out and then finally that I had been misinformated and that they do not *ever* overnight checks but that a check had been mailed via U.S. Mail on XX/XX/2018. I advised them that I intended to seek legal counsel if this was not resolved quickly at which point they told me that they would no longer speak to me and would only speak to an attorney calling on my behalf. I then sought an attorney who called Capital One on my behalf. He was told the same story by Capital One that a check had been mailed directly to the dealership and to check with the dealership. 
To date, no check issued by Capital One on my account has ever been received by me nor the repair dealership of XXXX XXXX XXXX. Several weeks ago the dealership called Capital One directly and was told that the check Capital One insists they mailed has not been cashed and that they could stop payment on the check and send a new one. The XXXX XXXX XXXX employee confirmed the address it was sent to as correct and asked that a replacement check be overnighted to the same address. Capital One denied their request for an overnighted check but said a new check was going out. Today is XX/XX/2018 and I am still unable to claim my car from the dealership as they have still not received the forwarded funds my insurance company paid to have my car repaired from Capital One. I have been making payments on my loan all of this time but have been without the use of my vehicle since XX/XX/2018. 
We have recently experienced a major national disaster as I live in an area devastated by Hurricane Florence and public transportation has not available in my area and taxi or ride sharing services are limited. This is making my ability to get to work nearly impossible and may cause me to lose my employment impairing my ability to make future payments on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northwood Asset Management Group
State: IN

Complaint narrative:
Since XXXX of I have been receiving calls from a company called Northwood Asset Management Group or NAM on a payday loan I owe with XXXX XXXX XXXX. I contacted XXXX XXXX and they said the loan had been discharged to NAM. I agreed to an agreement with NAM for a payment plan and NAM withdrew the funds from my account on XX/XX/XXXX. When I went to find a web address for NAM I could not find one at all. All I found was complaints about this company and that they may be fraudulent. I placed a stop payment on further withdrawals until I could receive a letter in writing from this company. I have since been repeatedly contacted by a man named XXXX XXXX who has contacted me at work and threatened legal action and wage garnishment. He has also contacted my parents as well trying to get a hold of me. He did send me a PDF file which I have attached but has never sent me anything in the mail and always calls from different numbers. I want to get this debt resolved but I want to make sure the money day I am paying is actually going to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: CL Holdings LLC
State: AL

Complaint narrative:
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My credit report and score have a major impact on my financial opportunities. Toyota Financial services reported inaccurate information to credit bureaus multiple times. TFS investigated the issues and agreed to fix the inaccurate reporting. However no compensation was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.

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 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is in response to an existing unresolved complaint XXXX This complaint letter is in response to Wells Fargo 's letter dated on XX/XX/XXXX for the claim above alleging additional information were requested in your letter dated on XX/XX/XXXX however no such request were provided in such letter. In addition, I called your department and spoke to XXXX, in which he refused to give me his last name, and refused to transfer the call to you and told me that a manager will call me but no one did and XXXX didnt mentioned to me that additional information was required from our part. My phone number was included in my letter and never received a call from you either. 
In addition, as you mentioned in your letter 90 days were given to merchant to respond to our claim therefore the burden is on them and is not our responsibility if they fail to respond thus we demand this charges in the amount of {$400.00} to be reverse into our account. 
Also, you mentioned in your letter that you were informed that we had done business with this vendor ; please provide proof for such claim. 
We have been a valued business customer since 1996 and we never have been in this situation being forced to spend time, resources and stress in order to handled 4 un-authorized withdrawals under your surveillance in one month. 
The bottom line is that we didnt receive any services from this merchant and merchant didt provide us with any services ; WellsFargo has failed to provided proof for such claim. 
Our last issue is that WellsFargo has failed to address the fact that the un-authorized withdrawal was done in a date prior to the date allow for withdrawal indicated in the merchant agreement therefore we ask for this charge be reversed into our account.

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 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have 1 Mastercard with Bank America. They bought the card from XXXX XXXX XXXX years ago. 

We pay the entire bill every month, I have an XXXX FICO SCORE. They have been charging for XXXX XXXX  which we did not approve. 

The main problem is I paid TOO EARLY!!!!!!! HAVE YOU EVER HEARD OF SUCH A THING??????? 

I pay the bill at least 5 days prior to the due date to make sure they have time to apply it to my account. we have never ever carried a balance on this card. 

Since last Saturday, XX/XX/XXXX wherein they said my bill was over due. NOT TRUE IT WAS PAID MORE THAN ON TIME.

When my husband called the customer service person said he saw the payment the next payment is due XX/XX/XXXX which bill we have not received yet. 

I tried to get through to the CEO/PRESIDENT whose name is XXXX XXXX XXXX who has been CEO since XX/XX/XXXX and is a lawyer as well. 

As a CONSUMER ADVOCATE i was the problem solver for XXXX in XXXX and got through to all executives - well times have changed. 

When we asked why their web site shows we owe money and the automated voice nonsense says the same -- -- NOT TRUE. My husband got through to a human and the man said we owe nothing and he does not know why his web site says otherwise. 

We are unable to get any kind of satisfaction regarding BANK OF AMERICARD MASTER CARD. 

At this point they are playing games with my Credit Score and this disturbs us. 

There is no resolution to this simple issue. 

XXXX XXXX. XXXX and 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 monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ON XX/XX/XXXX I TRIED TO GET A FREE CREDIT REPORT FROM EXPERIAN CREDIT REPORT ONLINE. AFTER NOT GETTING WHAT I WAS EXPECTING I TRIED TO LOG IN TO THEIR COMPANY. NO LUCK. ON XX/XX/XXXX MY CREDIT CARD WITH XXXX VISA WAS CHARGED WITH A {$1.00} CHARGE SHOWING EXPERIAN CREDIT REPORT AND HAS A NUMBER OF XXXX XXXX. THEN ON XX/XX/XXXX I SEE ANOTHER CHARGE ON MY VISA CARD {$21.00} FOR WHICH DIDN'T AUTHORIZE NUMBER XXXX XXXX. 
AFTER SEEING THIS I REPORTED TO XXXX  XXXX XXXX USING THE PHONE NUMBER ON THE BACK OF THE CARD XXXX, I DID THIS ONE ON XX/XX/XXXX WITH A REP. IN UTAH. THEY SAID THEY WOULD FILE THE DISPUTE. THEN I WOULD GET LETER. THNE I GOT THE LETTER SAYING THE {$1.00} HAD BEED CREDITED TO MY ACCOUNT, IN WHICH IT DID. 
THEN AS FAR AS THE {$21.00} IT WAS DISPUTED BY THEM AND I WOULD RECIEVE A LETTER BACK. 
NOW ON XX/XX/XXXX ANOTHER {$21.00} HAS SHOWED UP ON MY VISA ACCOUNT WHICH I HAVE NOT AUTHORIZED AGAIN. AND ON XX/XX/XXXX I HAVE DISPUTED THIS TO XXXX XXXX XXXX AGAIN, A DISPUTE WAS FILED, I WANTED TO FREEZE MY VISA SO I AND EXPERIAN OR ANYONE ELSE COULDN'T CHARGE ME WITH ANYOTHER CHARGES. 
ON ALL OCCAISIONS I HAVE TRIED TO CALL EXPERIAN TO TALK TO A REPRESENTAIVE TO STOP ALL THE CHARGES AGAINST ME. BUT NO LUCK. ESTIMATED 10 OR MORE DIFFERENT NUMBER WERE TRIED. YOU COULDN'T GET AROUND TO SPEAK TO NO ONE. 
ALL I WANT IS TO GET THE MONIES REFUNDED TO THE CARD. AND THEN FOR EXPERIAN TO JUST LEAVE ME ALONE. 
THIS THE XXXX DAY OF XXXX, 2018. 


I WOULD APPRECIATE ANY HELP. THE XXXX  HAS NUMEROUS COMPLAINTS AGAINST EXPERIAN. 

I'LL HOPEFULLY KNOW BETTER NEXT TIME I WANT A 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 monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
This company calls my daughters cell phone several times a day asking/looking for me and I do not know why. At this time my number is in working order and the company is in violation of the FDCPA by calling my daughter and asking for me by name several times daily despite having a telephone number for myself. I have no idea why they are calling me nor have I ever acknowledged any debt with this company. The harassment of my daughter needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi chase bank has been keeping me waiting for deposit approvals of money, not allowing me to overdraft and even excessively long wait times for mail and account updates including adress changes phone numbers and processing of my money! 

They intentionally are extremely unfair to me and very mean. 
They wont stop fusterating me constantly. 

Ive told everything you can think of and no one can do anything about it. 

There lying about me and trying to make up stories so they can freeze my money and bankrupt me They have stranded me while I was traveling 2 or 3 times intentionally to make me react By keeping me with no money for days no food or water and no gas! Starving hungry in the desert! With no water because of chase!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/18 my credit card was used to make a purchase for a dress from XXXX  ( merchant ) for {$110.00}. 
On XX/XX/18 I received the dress with incorrect sizing. 
Per merchant they had a 45 day return policy from the date of delivery. 
On XX/XX/18 I contacted the merchant to ask for an address to be able to return the dress for a refund. 
On XX/XX/18 the merchant did not respond so I followed-up with them. 
On XX/XX/18 I got a request from the merchant for additional details. 
On XX/XX/18 I provided the additional details to the merchant. 
On XX/XX/18 I got a short note from the merchant that they don't return a dress after 7 days from when you received it. 
On XX/XX/18 I stated I contacted them within 7 days ( even though their website says 45 days ) and expect to be able to get a refund. 
I never heard anything else from the merchant. 
I filed a dispute with Citi Credit Cards for the {$110.00} as I didn't get the item ordered and wanted to do a refund. 
On XX/XX/18 I got a note for Citi Credit Cards stating they requested additional information on my dispute. 
On XX/XX/18 I faxed Citi Credit Cards the additional information. 
On XX/XX/18 they denied my dispute and told me to resolve with the merchant. 
On XX/XX/18 I am filling this complaint as Citi Cards did not take my dispute seriously enough as I provided them the unresponsiveness of the merchant and my many attempts to resolve the issue.

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 monetary relief