vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** Alleged Account 1 : XXXX  XXXX XXXX Alleged Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to dispute the fraudulent inquiries through customer service and by disputing online through the credit reporting website and the fraudulent inquiries are still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Sir/Madam, I have a complaint for TD Bank. This bank is changing the dates of your transactions and when you make a payment which has caused an overdraft, you have to pay {$35.00} overdraft fee for the previous transactions while still you think you have money in your account. 

I made XXXX different transactions on XX/XX/XXXX and checked my account and saw all of them have been posted. At the end of the day, I withdraw {$500.00} which I'm willing to pay {$35.00} for. Today I saw they changed my other transaction dates as of XX/XX/XXXX charged the fee for each. I spent my own money and I had to pay {$170.00} for this. Customer service is not helpful and They kept saying there is nothing they can do. They told me I don't understand anything about this service but they are wrong. There is nothing to understand why do you have to pay a fee when you spend your own money. 

Is there any way that you can help me for this issue? This wasn't the first time but this was too much. It's just not fair and I kindly ask your help. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account XXXX XXXX XXXX is accurate. And therefore this account should be removed. 

XXXX Account XXXX : XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on XXXX payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a XXXX request on Chase bank on the XXXX XX/XX/2018 for {$300.00} from an unknown party. Accidentally accepted the request later that evening and after contacting Chase multiple times they never helped with the Issue. During the same month was scammed for another {$800.00} on XXXX and once again Chase bank did nothing to help me. To add insult to injury, the scammer proceeded to send me ANOTHER request for {$500.00} on XXXX XXXX. Once again Chase bank said it is out of there control. Would of posted a complaint early but only recently became aware of this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THIS CREDITOR AND XXXX AND XXXX IS NOT DOINT HTEIR JOB ON DELETING AND BLOCKING THE REPORTING OF THIS FRAUDALANT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: IN

Complaint narrative:
Flagship Credit Acceptance has charged off a debt but continues to try to collect a balance after a vehicle was voluntarily returned and thus sold by the company. Flagship was able to recoup the amount owed on the loan and left a balance of XXXX, yet they have been reporting to all credit bureaus a balance of XXXX. This company has also illegally re-aged this account by updating monthly negative remarks on a Closed/Charged off account. Furthermore, Flagship has reported conflicting information to XXXX XXXX and XXXX  in an attempt to damage my credit rating. Under the FCRA, all information must be reported accurately and completely, Flagship has failed to report my information accurately to all credit agencies. Flagship has reported conflicting account open dates ( XX/XX/XXXX for XXXX  XXXX XXXX XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX  XXXX this illegal per the FCRA. Next, the last payment dates are conflicting when reported ( XX/XX/XXXX with XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX again this is erroneous and illegal reporting by this company. This account is listed as closed and charged off with all three major credit agencies, yet the last date of activity has been backdated and updated every month, damaging my credit report with illegal tactics that violate my rights as a consumer. I have reached out multiply times for debt validation and removal of this erroneous and illegal information but have been met with nothing but verification of this clearly illegal, erroneous, and unverifiable information. I have included pictures of my credit reports from all three agencies with the illegal information circled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to get an auto loan removed/deleted off my credit report for months. I've had XXXX issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want 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 2019-12-21 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: TX

Complaint narrative:
I have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want 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 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: CT

Complaint narrative:
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Elan Financial didn't follower the terms and conditions transferred from XXXX XXXX XX/XX/XXXX. Automatic payments stopped with-out my authorization and I was unaware payments stopped Causing two months to be late. Automatic payments were not made because they didn't honor the original ACH agreement., The only way I found out was when I pulled my credit during that time to see a new credit card company that I was unaware of the merger.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC
State: MN

Complaint narrative:
I had a visa account with XXXX. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX  report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: OH

Complaint narrative:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: OH

Complaint narrative:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid this off via wire transfer on XXXX and sent the XXXX fed reference number which validates the funds wired. I contacted the company on XXXX and on XXXX requesting the paid in full letter but they refused to give me one stating that they have to wait until a bond XXXX XXXX, XXXX, XXXX XXXX ( DTA ) advises them that the funds were received and they said that can take up to two weeks? That is not legal and is absurd as I sent the payoff funds via wire transfer and the funds were received so the loan has been paid in full and the con not hold me XXXX by not complying with my request. The debt has been paid and I must have the paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA violated the Electronic Fund Transfer Act and Regulation E by failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers on account number card number XXXX I am disputing the XXXX debited from my account not related to the contract with the XXXX : 1.Agreement # /Memeber number # with XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX is in error. 
2 The agreement was made on XX/XX/XXXX, but was cancelled on XX/XX/XXXX with the school and Facts and the girls last day was XX/XX/XXXX not XX/XX/XXXX. 
I never agreed to update the card for any auto pay XX/XX/XXXX with card number XXXX. 
The contract with Facts only supports an eft/auto pay from card number XXXX account USAA # XXXX closed and card cancelled Under the advise of USAA we agreed to use the USAA bill pay program and not use the card and account for auto/pay XX/XX/XXXX a onetime payment was was made and a fee charged and paid to settle account arrears. Again in support of my refusal to update the account with auto pay and settle the account with one time payments. USAA has failed to resolve the XXXX auto dispute complete reasonable error resolution investigations. Even after being provided the fraudulent contract stating it was valid XX/XX/XXXXXX/XX/XXXX/see supporting documents in support of Contract was valid XX/XX/XXXX-XX/XX/XXXX with XX/XX/XXXX as withdrawn date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a visa account with cabelas. I purchased several fishing reels with this company on it. Repeatedly they broke and repeatedly I returned them until I gave up because of their poor craftsmanship. I explained this to the company and they agreed to remove it from my account. Years later a debt collection company has come after me and forced me to pay the {$540.00} on the principle that they would quote un quote hold my credit score hostage as stated on the phone. The debt was paid and now they refuse to remove the account from my XXXX  report or do anything to fix the damage to my credit having them account relisted after the original creditor agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX XXXX  I went to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, they told me I was pre-approved for their Ultamate Rewards Mastercard Credit Card, I agreed to apply for this because they would give me 20 % discount on my purchase that day and because I could use it to make purchases outside the store, this week I received the credit card and it is their other credit card called Ultamate Rewards Credit Card, this card can be used on that store only, I would have never agreed to a only store credit card, cashier named XXXX lied to me to get me into apply, she assured me it was the Mastercard I was pre-approved not the other one. I call to customer service so they can fix it, they just say there's nothing to do, if I want the other card then I have to apply, and I am not applying again for the same card!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have sent certified letters to XXXX  and XXXX   about the inconsistencies on my credit file. They both responded with the information reporting on your file has been verified and its yours. I'm not saying that the account is not mine I am complaining that it is a violation to report such data that is not accurate. In reference to my NAVY FEDERAL account # XXXX I have never missed a payment it was always deducted from my bank account In XX/XX/XXXX the account was shut down by Navy Federal without warning or no explanation. XXXX thru XXXX of XXXX they have me as missing payments keep in mind they shut down my hold bank account??? I am still to this day making payments with no bank account just the accounts I owe on over the phone. They have the DATE OPENED XX/XX/XXXX on XXXX  and XXXX is reporting XX/XX/XXXX this is clearly a violation and grounds for immediate deletion. Then if you look at DATE LAST ACTIVE XXXX   reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX I have pointed out the inconsistencies to both bureaus with no results. Other than account is updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sent a money wire from Bank of America to XXXX on XX/XX/19 for the amount of {$1400.00} and paid an additional {$30.00} for same day wire fee. I checked my bank account on XX/XX/19 and noticed that the wire was still processing I called the bank several times to cancel the wire and I have not heard back from 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 monetary relief