vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 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: NC

Complaint narrative:
Transunion credit report shows several errors that should be clear to the customer service representative however they will not correct 1 ) XXXX account # XXXX shows paid in full XXXX balance which is correct however transunion also has monthly payment as XXXX when the account has a XXXX balance the monthly payment should now report as XXXX 2 ) XXXX   accounut shows a account balance of {$5.00} but a monthly payment of {$30.00} how can this be correct 3 ) XXXX XXXX XXXX account XXXX account shows last update as XX/XX/2018 however the account has paid in full and has a XXXX balance

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Per previous complaint XXXX, Wells Fargo stated that I had online banking enrollment from XX/XX/2012. 
I only had a mortgage and want full information as to when, by what method, and to what I supposedly gave consent. 

I am concerned as to what and how this is related to mortgage servicing and am afraid they may have opened additional banking services in my name without my permission

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: GA

Complaint narrative:
I have a police report for fraud Send it to the XXXX XXXX XXXX The account is fraudly open in my name I asked for a signature with my name and they failed to send but are still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CNG HOLDINGS INC
State: MI

Complaint narrative:
XX/XX/XXXX, I had purchased items under a lease, XXXX XXXX was advertising 90 days same as cash at XXXX XXXX. I authorized verbally and documented company to withdrawal and set up bi weekly payment plan for the account to be paid in full on XXXX XXXX XXXX via lease agreement. So the company automatically withdrew payments bi weekly until XX/XX/XXXX for some odd reason. The checking account or any contact info hasn't changed still to this day. The company failed to notify me of delinquency or why they failed to withdrawal of payment which the last payment that was automatically set up to pay this account in full would occur on XXXX XXXX XXXX in the amount of {$170.00}. When i called XXXX they wouldn't discuss any information on account and directed me to a collection company called XXXX XXXX XXXX. I mailed certified request of validation of debt which was returned and trying to get this resolved since XX/XX/XXXX and have came to no resolution. I've disputed several time to the 3 major credit bureaus and nothing has changed nor any information on this on why it was delinquent for the amount shown on my credit report. I couldn't get a hold of XXXX XXXX XXXX, and left several messages with this creditor. Still no response. Tempoe breached their own contract, failed to notify of delinquency, returned request of validation, and never flagged the accounts during disputes. Reported amounts 11 times greater than the account owed, but due to the negligence on the company not abiding by their contract/ lease agreement which there's a clause for same as cash purchase to be withdrawled which should of been XXXX XXXX of XXXX failed to take the last payment so this purchase/ lease agreement would exhaust. They decided to ignore my concerns and harass me by putting it on my credit report which is not enabling me to purchase a home. I have went on XXXX website to find out who to submit a complaint to which is XXXX XXXX, which i emailed today. I just want this off my credit report as collections and hoping they will resolve this within 28 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX I went to my local XXXX to load some money on my XXXX XXXX card for an online purchase. I would like to note that Ive done this countless times and never had a problem. I asked the cashier to load {$90.00} to my card and I was charged a {$4.00} service fee. The cashier took my money and I received a receipt for the transaction which shows the last 4 digits of my card as the card the money was loaded to. The money never showed up in my account. I have contacted XXXX XXXX more times than I can count and they keep telling me I need to wait longer for the issue to be resolved.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last Thursday or Friday I contacted Experian because I felt I was being charged for services I was not getting ie : 3 reports not just 1. 

After very long conversation I was more confused then when I called and the rep couldn't even figure it out. A supervisor who refused to speak with me just told her to take me to the site to find the terms. In reviewing the site together neither one of us could find the answers. 

So basically they could not confirm what I should be getting for what I was paying. I explained that because I felt I was being overcharged and they would not help me I would file a complaint with the BBB, which I did. 

I got a message from the BBB earlier today saying the complaint had been sent to Experian. Several hours later I got an email with Experian telling me they had cancelled my account. Seriously?? 

I called and they refuse to tell me why. They confirm it was cancelled internally and not by me. How can they do this when I have been paying for a service and even been overcharged. 

I now have concerns as they are in control of my credit. This feels like retaliation.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a police report for fraud Send it to the XXXX XXXX XXXX The account is fraudly open in my name I asked for a signature with my name and they failed to send but are still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
To whom this may concern, I am writing about my account with Mercedes Benz Financial Services. On XX/XX/XXXX Mercedes Benz, Financial Service erroneously tower my XXXX XXXX XXXX, which caused a major hardship to my household as a single parent and a XXXX XXXX. Due to the lack of communication between Mercedes Benz Financial, their customer service department and their collection department my household was place in detrimental positions that compromised our wellbeing and lively hood. Although Mercedes apologized for the error, I was told I would not receive my vehicle until XX/XX/XXXX since the towing company they sent for my vehicle was closed once I called in. This error created more of a hardship from Friday XX/XX/XXXX to Monday since I work in Washington DC which challenged my attendance at work since I was currently 1 hour away from work ( without traffic ). When my car was returned the brake lights came on and an alert stating I needed to get my vehicle checked out. Mercedes apologized and stated that they would pay all expenses for the erroneous towing and I would get my vehicle back as soon as possible. When I called in to express my concern about my brakes Mercedes Benz financial customer service agent told me that I had to file a complaint with the finance company and not with them. I have also attempted to access my online Mercedes Benz Financial yet can not because Mercedes has labeled my account as closed, even though they apologetically returned my vehicle on XX/XX/XXXX. When I called to inquire about my account and making a payment, Mercedes Benz Financials Services customer service told me my account was closed, which didnt make sense because I have my vehicle. Before pursuing further action, I would like for Mercedes to resolve this issue by correcting this issue as soon as possible. This matter has cause major issues in my personal and professional life and is creating many hardships to mu environment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, Capital One called me on the XX/XX/XXXX of the month telling me my credit card payment was going to be late 30 days if I didn't pay them. I paid them right away over the phone and my debit account was deducted right away. However, Capital One is now showing I have a late payment ( for 30 days ) for the month of XX/XX/XXXX. How can that be if I paid on the XX/XX/XXXX?

Im closing on my house purchase on the XX/XX/XXXX and because of this late pay, I now dont qualify. 
I have called Capital One numerous times and they tell me they can not send me any letter stating It was a mistake on their part and I have to wait until my credit updates. My mortgage lender just repulled my credit and its still reporting as late. 
I need this XX/XX/XXXX day late to be removed right away so i can close on my house. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I requested a credit investigation on XX/XX/2018. The credit bureaus are supposed to respond within 30 days, but so far I have not received a response from XXXX XXXX or Experian.

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 2018-05-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested a credit investigation on XX/XX/2018. The credit bureaus are supposed to respond within 30 days, but so far I have not received a response from Trans Union or 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 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX I attempted to deposit into my Santander account two checks that I received from my Home Insurance to cover storm damages to my house, so that I can have the house repaired. One check was for {$350.00}, and another was for {$8400.00}. Both checks were made out to myself and c/o XXXX my mortgage company. Both checks were endorsed in the same way by my mortgage company. The smaller check went through with no issues. After not seeing the {$8400.00} amount showing up on my account as a deposit after several days, I called Santander customer service to ask what the issue was. They claimed that due to the amount of the check, it was put on fraud hold. I went back to my bank in person on SaturdayXX/XX/XXXX, where they wanted me to fill out a fraud document, which I did, but they will still not tell me when they will deposit this money to my account and it is nowXX/XX/XXXX. They will not give me any information about when these funds will be available.

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Accounts Group, Inc.
State: WA

Complaint narrative:
XX/XX/2015 XXXX XXXX XXXX entered me into a contract without my knowledge or council for a undisclosed amount as of right now the damages are XXXX continuing XXXX monthly.

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 2018-05-07 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Paid this account off with ZALES in XX/XX/2018. The rep told me that once i paid it off they will delete it from my credit report. I paid it off and i gave them 30 days to delete it ( thats what they said it would take for them to remove it ) i recently pulled my credit report and it still shows up on there. this is holding my back and hurting my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: NV

Complaint narrative:
I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.

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 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth Financial Systems is stating that these accounts opened XX/XX/XXXX on my credit report. And that I owe money to XXXX XXXX XXXX. There is no way I can contact the hospital because they are no longer in business. XXXX XXXX bill that was supposed to be written off due to low income. I sent verification of my income and was told they would take care of balance. 

Original dates were not on my credit report, Collection agency is showing dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX {$1200.00} Acct # XXXX XX/XX/XXXX {$990.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX amt- {$63.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX {$1100.00} Acct # XXXX XX/XX/XXXX ***Credit report date XX/XX/XXXX Amount {$63.00} Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am contacting you today due to the collections from Hunter Warfield IncXXXX that is reporting to my credit report. XX/XX/XXXX, I mailed Hunter Warfield Inc. a debt validation letter to validate the alleged debt. They could not properly validate in the tine given. They sent back a signed contract that is obviously not from the company of Hunter Warfield Inc. The contract states another companies name. Therefore that contract would be cancelled. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, Hunter Warfield Inc. can not act as a substitute for the original creditor. They are a 3rd party collector claiming that I owe them a debt, and by law, that is not true. 

When trying to resolve this matter with one of the representatives of Hunter Warfield, via email. I was asked a very uncomfortable question. The representative replied " Thank you for your response. 
I have reviewed your account including the recent form letters you sent to us. In the letter dated XX/XX/XXXX, you state My attorney before we proceed I need to verify whether you have an attorney representing you in this matter. 
Thank you. '' I am uncertain and appalled as to why this is acceptable. My main purpose is to resolve this as it is weighing heavily on my future as my credit report is being misused. 
I have marked out all personal information for the privacy reasons. I have attached evidence of the debt validation, as well as the certified mail receipt that proves it was sent. I also attached the letter Hunter Warfield provided and the email stated above.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: NY

Complaint narrative:
I HAVE CONTACTED TRANSUNION ON 4 DIFFERENT OCCASIONS BY SENDING THEM CERTIFIED LETTERS TO VALIDATE AN ACCOUNT FROM XXXX XXXX AND XXXX. 

XXXX HAS NEVER RESPONDED TO ANY OF THE CERTIFIED LETTERS I SENT THEM, INSTEAD TRANSUNION KEEPS RESPONDING BY SAYING THE ACCOUNT IS VERIFIED. HOW IS IT VERIFIED WITHOUT ANY INFORMATION BEING SENT TO ME. WHAT ARE THEY VERIFYING? THIS IS AGAINST FAIR CREDIT REPORTING ACT BECAUSE YOU CAN NOT REPORT SOMETHING THAT HAS NOT BEEN VERIFIED. IN FACT, TRANSUNION HAD DELETED THE XXXX ACCOUNT WITH ACCOUNT NUMBER XXXX AND THEN PLACED IT BACK A FEW WEEKS LATER UNDER A DIFFERENT ACCOUNT NUMBER. THAT IS WRONG AND I AM GOING TO SEEK LEGAL COUNSEL IF IT IS NOT REMOVED IMMEDIATELY. 

I HAVE ALSO SENT XXXX XXXX REQUEST TO VALIDATE THE ACCOUNT ON MY CREDIT REPORT. ALL THEY DID WAS SEND ME A LETTER SAYING THIS IS MY ACCOUNT. WHERE IS SIGNED CONTRACT? TRANSUNION KEEPS VERIFYING THIS ACCOUNT WITHOUT PROVIDING ANY DOCUMENATION FROM THE CREDITOR.

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 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was charged late charges that shouldn't have been charged. I have been using my bank XXXX to make monthly payments since XX/XX/XXXX and for the past 11 months, the payments got processed with no issues but in the XX/XX/XXXX payment was returned by TD Auto Finance back to XXXX for reason of " unable to apply payment '' so I was charged a late charge for XX/XX/XXXX. However TD had no issue applying the XX/XX/XXXX payment from XXXX  with exactly the same information printed on their check as the XX/XX/XXXX payment so the fault of not being able to applying the payment to my account should be with TD Auto Finance. I already made payments to make up for the returned payment but TD will now want to charge me late charges. After talking with them, they will only waive the late charge of one month as they charged me late charges for XX/XX/XXXX and XX/XX/XXXX. So I still ow them {$54.00} of late charges. I feel they just want to money from consumers on late charges and in this case I made the payment and the returning of the payment shouldn't be the reason that I was charged a late charge, espeically I have been paying on time all other months since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief