vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: VA

Complaint narrative:
XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: VA

Complaint narrative:
XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.

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 2020-04-08 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: VW Credit
State: IL

Complaint narrative:
I am victim of equifax XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the VW Credit Inc {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: IL

Complaint narrative:
I am victim of XXXX  XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from Experian. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.

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 2020-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank opened unauthorized accounts in my name. They used my social and address. 
They told cfpb that they closed the accounts in XX/XX/2020. 
I received an account from TD bank today. XXXX XXXX XX/XX/2020. ) The account was clearly never closed. 
TD bank never sent me confirmation of the closed accounts after telling cfpb that the accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was a few days late making a payment as I hadn't received the bill. I realized the oversight and paid the bill on XX/XX/2020 and advance paid the next month 's on XX/XX/2020 as well. I contacted Comenity Capital bank-the issuer-and they waived the XXXX late fee as I had never been late before. On XX/XX/2020 my card was declined. When I contacted Comenity I was told that my account had a " utility suspension '' until the next billing cycle=over two weeks away. I messaged Comenity and a person named XXXX called back. I questioned if this punishment was outlined in my BJs credit card agreement or anywhere on Comenity 's website. He was unable to produce it and said it was an internal policy, not noted anywhere in writing he could find, but regardless he couldn't waive the suspension. It is outrageous to subject consumers to this phantom policy and tell them that there is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America charged my business 6 overdraft fees totaling {$210.00} and also reversed my claims unjustifiably without properly investigating the matter nor providing validation by law of my company being responsible when the company debit card and pin were stolen.

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 2020-04-08 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I don't owe anything to this collection company, I have already made payment send I want this collection account to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
several attempts for accounting based on general acceptance accounting and Capital One Bank is in violation of law for not providing the accounting. I ask again for accounting based on GAAP practice also a copy of the signed contract which was never provided. 
failure to credit account {$21000.00} received on XX/XX/2016 by Capital One Bank and acknowledged receiving money order if it wasn't accepted it should have been returned and it wasn't this is to apply to account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I am victim of XXXX XXXX  XXXX XXXX XXXX XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and Santander Consumer USA {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied Neiman Marcus Store credit card / Capital One back in the Year XXXX. I signed up for e-statement since that is the way I manage my cards. I did not use my card often, but when I tried to log into my account to make a payment, my password did not work. I tried to reset my password but never receive the email for the link. ( I did check my Junk mail every time ). Because of that, I stopped using this card. 
But still, for the one purchase I made in XX/XX/XXXX ( before I finally realize how hard it is to have my online account actually work smoothly ), I had to pay over the phone with the late fee of {$60.00} since I can't log into my online account. Of course, the negative report shows up on my credit record. 
On XX/XX/XXXX year XXXX after talked with someone, I was told a fax number XXXX XXXX XXXX to sent my Removal Negative Status request to. I faxed over the letter explained the reason and ask them to remove the negative report. Even before I faxed out the letter, my trying to reset the password still failed. 
XX/XX/XXXX, I called them to check the status and was told their record shows that my reason is invalid. When I ask to speak to someone, they said no one can help me. I asked for the right department to help me, they said they don't know which department. When I asked to speak to the department which can help customers to reset their online account password, a person who works there told me he is not sure if he can help me. I asked for the Reset Password Request record of my account, they said they don't have it. 
This is very sad that when they don't do their part of work, their customers take the impaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2020 I paid off my Chase credit card in ( # XXXX ) full. I have not used that card since and didn't not receive any email statements so I didn't know I had a balance from some online subscriptions. At no point did Chase contact me to let me know that I had a balance and the account went past due with fees ( nor was anything posted online ). Although the statement was posted online, there was no email notification as typically is done. The account continued to be past due ( with no knowledge of myself ) and they called me today that my account was 60 days past due. I called and made arrangements to pay off the account in full again, but the damage had already been done to my credit. I have never made a late payment in the 4   years  i've been with them. I paid off my balances in full. They will not act in goodwill and remove the reporting, even though I was not notified. 

Furthermore, I went to the XXXX website and it says creditors can remove credit reporting. Chase said that is not true and there's nothing they can do. This information is include on all credit reporting websites though. I feel like the lack of notification ( even though they say it went through on their end ) is not correct and they have ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TN

Complaint narrative:
First of all, I was not told the interest rate when the card was thrown on me, I was force to use it, when I wanted to pay for it, and when I got mail from them, the interest were to high, so I call them and told them my score wasn't right, which they said it was XXXX, and I know for a fact, that they would never give me a card, if it was low, because I apply for one, when it was it were over 500 and they turn me down, so someone is lying, I need someone to look into this PLEASE I got the mail on XX/XX/2020 from XXXX 's that the day I talk

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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018 my account was closed due to fraud when I spoke to someone about it at the company. I was told it was going to be cleared up it never was

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 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I have tried to dispute this debt for over 2 years now. This is one of the actions I decided to do against ACCOUNT RESOLUTION SERVICES before I go a step further in seeking council and filing criminal charges. I have tried to contact them on a number of occasions via mail and telephone but they have failed to produce the required evidence that proves this debt belongs to me. I have contacted ARS through telephone 3 times and the young lady I spoke with was very rude and upset that I was even asking for the required info, which is required by law for me to have. She even hung up the phone on me after telling me to stop scamming people and just pay your dam bills. This Agency is very unprofessional and really doesn't cooperate with consumers request for debt validations. I've sent a debt validation letter out to ARS on XXXX/XXXX/18 asking for a Contract or agreement along with the promissory note that has my signature on it and they have not responded. On XX/XX/18 I've sent another debt validation letter out and still no response. The problem with ARS is that they have the wrong last name of this debt on my credit report which doesn't belong to me. I even sent them a copy of my drivers license and social security card proving that the name isn't mine and they still refuse to remove it. I have provided ARS with a final letter that is attached to this complaint describing once again how they are in violation. I am asking that CFPB investigate this 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 explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, I recieved a phone call from a Debt collection company called D2 management. The man who was in the phone tried telling me that I owed {$350.00} for a payday loan that was placed. This company sold my debt to another company two months ago to another company called XXXX XXXX XXXX. On XX/XX/XXXX, I called and paid a settlement amount with the XXXX  XXXX XXXX. I have a credit card statement that proves it, along with a letter from the company. The man with D2 management yelled at me over the phone. He told me that he heard my recorded messages from past phone calls and that I dont have any proof of paying the debt, even though I do. He continued to talk over me by yelling. I disconnected the phone call with him and the same man called me back. He continued to yell and told me that I wrote a bad check for the payday loan, when I know I didnt. I do not own a check book. He also stated that my debt was never sold to another collection company. I never heard of XXXX XXXX XXXX  until I viewed my credit report and saw that D2 management sold my debt to them. The man with D2 management tried saying that I made an agreement with them to do a payment plan with the first pay starting in XXXX. The agreement was voided because the first payment did not go through. They would not accept the possibility of waiting until the next payment for XXXX. I was told that because the first payment for XXXX didnt go through, that the agreement was considered void. Then I was threatened to be taken to court and a judgement filed against me. In XXXX, D2 management took funds from my account, even though I was told the agreement was voided. I called my bank and had the funds credited back to my account because they did not have permission to withdraw funds, since the previous agreement was voided. I called D2 management and spoke with a representative to ask them why they withdrew funds without my permission? I was told that they were going by an agreement, even though it was voided. XX/XX/XXXX, is the first time I have spoke with D2 management since XXXX. Every phone call with them has been recorded. Including the phone call with them saying that my agreement was voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/20 I bought a new car at XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX was offering a XXXX day no payment deal and was told this was what i was getting. Upon inspecting my first payment I discovered that I did not get the deal and it was changed to XXXX  days no payments. Ive visited the dealership several times and they have said everything that I actually do have XXXX days XXXX which is false ) to saying that XXXX wont tell them anything about my contract. When i call XXXX financial, they say that only the dealership can correct this.

Company response to consumer: Closed with explanation