vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: FL

Complaint narrative:
I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my 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 explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been banking with Wells Fargo since I was in high school, almost 7 years. 2 weeks ago I received a statement in the mail from a previous college landlord stating I still owed him a deposit which cause me to look back into my bank transactions that were paid to them. There were two charges I recognized not being authorized or even counted towards my paid balance towards the landlord. One charge was for {$510.00} made on XX/XX/2018- and the other charge was for {$620.00} on XX/XX/2018. I contacted the landlord several times and provided proof but was told they have no record. I was very upset over this considering Im no where near financially stable enough to take a loss like that and look past it. I had a little bit of hope believing that Wells Fargo would despite the charges considering the circumstances and my relationship with the bank, but I was certainly wrong. I had spoken to over 5 different representatives from customer services, claims center, and then resolution center, who all treated me with an attitude and dismissed my claim immediately giving me a strong impression that I wasnt a valued customer. I filed a claim with the executive office and asked several times over a 5 day period to speak with them on the phone, but was told I couldnt. I received a letter in the mail almost 6 days exactly after I filed a complaint with the executive office.. the letter stated the complaint was closed and it contained a couple sentences saying they apologize for my inconvenience and are disappointed they arent able to help, and that I should be aware of their policies. This whole experience was absolutely terrible and made me question why I do business with a bank who doesnt have their customers back whenever something goes wrong. The policy that they werent able to dispute a charge past 120 days is understood, but shouldnt mean that circumstances cant be taken into account considering the large amount of money. I am completely stuck and option less due to the fact that Wells Fargo decided not to protect my finances. I also am feeling a strong impression that Wells Fargo does not have their customers best interest in mind and views them as a number rather than person

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Late 30 Days on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a KOHL 'S credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.Kohl 's has since been sold to or is administered by CAPITAL ONE BANK.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY KOHL 'S TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
KOHL 'S HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.KOHL 'S IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY KOHL'S..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System, located in XXXX, GA has repeatedly falsely claim and reported a debt for the amount of {$2700.00} on my credit report with all the major Credit Reporting Bureaus which has continued to impede on my ability to obtain any credit or attain any measurable jobs. Several attempts has been made approximately a year now to have this company validate the so called debt I owed them per Section 609 of the Fair Debt Collection Practices Act or delete it from my credit profile with deliberate  speed. But they have woefully ignored my humble requests for it's validation. 

National Credit System is hereby advised to delete that erroneous claim off my credit profile with immediate effect. It is causing it is causing me a serious financial crisis in my ability to move forward with my family. 


Sincerely! 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I opened a XXXX XXXX credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.XXXX XXXX has since been sold to or is administered by XXXX XXXX XXXX.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY XXXX XXXX TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
XXXX XXXX HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.XXXX XXXX IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY XXXX..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened a XXXX XXXX credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.XXXX XXXX has since been sold to or is administered by XXXX XXXX XXXX.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY XXXX XXXX TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
XXXX XXXX HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.XXXX XXXX IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY XXXX..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.

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 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have filed a complaint with you about PORTFOLIO RC. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is XXXX XXXX. XXXX XXXX lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about PORTFOLIO RC, and XXXX XXXX XXXX. These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to XXXX bank 3 to 4 times of what I had owed. XXXX bank had close the account but without my consent gave my personal information to PORTFOLIO RC, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want XXXX XXXX, PORTFOLIO RC, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
The mortgage servicer Mr. Cooper has accepted and confirmed the submission file for XXXX XXXX. & XXXX XXXX XXXX was received on multiple occasions in XX/XX/2019 ; however, the assistance package would within days be denied. The denial was based on the claim that the mortgage note owner would not accept any submissions from the XXXX XXXX. Mr. Cooper claimed that they had received confirmation from the mortgage note owner that the XXXX XXXX had reached their limit for mortgage assistance. When requesting confirmation of said servicing agreement, instructions or communication confirming this statement we were denied every time. Mr. Cooper has not been transparent with any information and have prevented us any form of mortgage assistance. This has caused our home to remain in foreclosure and now we have been forced into a foreclosure date of XX/XX/2019. We believe this is predatory lending and a violation of the Mortgage Assistance Act. We are needing assistance because as consumers we are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Social Finance, Inc.
State: DE

Complaint narrative:
This issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have filed a complaint with you about XXXX XXXX. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is Comenity Bank. Comenity Bank lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about XXXX XXXX, and XXXX XXXX XXXX These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to Comenity bank 3 to 4 times of what I had owed. Comenity bank had close the account but without my consent gave my personal information to XXXX XXXX, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want Comenity bank, XXXX XXXX, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
In XXXX, we filed chapter XXXX bankruptcy in the Federal Courts of XXXX Indiana. After the case was filed, Credit Acceptance pationed the court to have the vehicle returned to them. The vehicle was in the state of California, they were told where the vehicle would be and to pick it up. A week went by and the bank did not pick up the car. The apartment complex where the vehicle was, had the vehicle towed. The company that towed the vehicle tried for many months to contact the bank to let them know he had the vehicle. The person that towed it put a mechanic 's lien against the car for towing and storage fees. After the required time the person that towed the vehicle had the state of California crush the car. Credit Acceptance never made an attempt to secure their interest after pationing the federal court. Now in XXXX, Credit Acceptance brings a debt garnishment suit to the state of Wisconsin and is given said garnishment for a debt that was suppose to be settled in federal court. They are garnishing my check for the balance owed, even though they never secured there interest in the pation that was given in federal court. Our bankruptcy case was dismissed in 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 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from XXXX XXXX so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. 

Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. 

After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX. 

XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I'm not sure who you sold my account to, but they keep calling my mother, knowing it's my mother, and leaving voicemails trying to collect debt. They haven't properly identified themselves and just say they're with barclays and speaking in a foreign accent. Let 's get one thing straight, they are violating the FDCPA by calling my mother and leaving voicemails about debt collection. Because they haven't identified themselves to me, they're operating as you, so I need you to make this stop and forward this complaint to whoever you sold this to. They are NOT to contact ANYONE, including ME now. If they do, they will be in violating of the FDCPA and I will chase them for the fine. Because they're operating as you and not identifying themselves and leaving harassing messages, it reflects poorly on you.

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