vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does Comenity hold this debt anymore. It was sold to a collection agency. However this account is being reported by both Comenity and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo Credit Card Account XX/XX/2019 Dear Investigating Officers : In early XXXX I received an email notification that Wells Fargo was offering credit card balance transfers with 0 % interest for 18 months. I have a XXXX credit card with a balance of {$6100.00}. I decided to make the transfer to save money. 
I applied online and was instantly approved for a credit limit of {$5000.00}. I called WF and a customer service agent said to wait until I got the card in the mail in order to ask for a limit increase. I did so, and last week received a declination letter. I immediately cut the card up, called WF and told them to cancel this account and mailed the cut-up back to them.

Yesterday I received the enclosed letter from WF. They have transferred a balance of {$4800.00} WITHOUT MY KNOWLEDGE OR APPROVAL from XXXX to the account with them that I closed. This has broken up one credit card into two credit cards and does not serve any purpose for me other than now having to pay two monthly notes.

I am infuriated by the arrogance of WF. They did not contact me or notify me in any way that they were helping themselves to this amount of money. When I called yesterday a CSR for WF said I would have to contact XXXX about returned the funds. When I did so XXXX said, and it makes sense, that WF simply has to return the funds. 
I have spent the last two days on the phone with Wells Fargo trying to get this reversed. Today I spoke with a lady named XXXX in their executive office. Her English was so horrific that I barely understood what she was saying. Again I kept having disclosures and agreements thrown at me at the time I applied for the card despite the fact that I cancelled this card. She gave me a case number of XXXX, as best I could tell. 
I was aware that WF had been involved in shady dealings over the years, it made national news. But I never fathomed something as desperate as this. 
Finally XXXX deposited the {$4800.00} into my checking account. Today I am sending WF a check in this amount and demanding the account be closed. They are also trying to charge me {$140.00} for a transfer fee and under NO CIRCUMSTANCES will I pay this. 
Your help in this matter is most appreciated. It would seem that further investigations into Wells Fargo should be initiated. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: DC

Complaint narrative:
XX/XX/2019, I received an alert on my XXXX XXXX about a new collection that appears on my credit reports. I sent an email to info@securitycreditservicesllc.com and cs @ securitycreditservicesllc, com regarding failing to send me a Dunn letter regarding the alleged account and demand Security Credit Services , LLC to validate this alleged account. 

Please see the email below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Per the letter sent by collection agency sent previously the date of expiration should have been XX/XX/2019.

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 2019-07-01 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:
Experian is reporting a duplicate collection in the amount of {$140.00} for the XXXX XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item 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 non-monetary relief
Consumer complaint received 2019-07-01 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: NC

Complaint narrative:
I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX  and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

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 2019-07-01 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: NC

Complaint narrative:
I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 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: NC

Complaint narrative:
I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

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 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello. On XX/XX/XXXX - XXXX, there was several unauthorized charges from XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX. these charges are as follows {$230.00} {$70.00} {$40.00} These three are from XXXX XXXX, then the following is from XXXX XXXX : {$200.00} {$100.00} {$10.00} {$10.00} Then the XXXX transactions : {$130.00} {$95.00} These transactions are unauthorized and has caused me stress and loss of money. I just want reassurance that I am able to regain the lost funds and be able to prevent another situation from happening again. I have contacted each company, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Receivables Management Partners, LLC
State: TX

Complaint narrative:
XXXX is reporting a duplicate collection in the amount of {$140.00} for the RMP SERVICES LLC partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
My loan was transferred from XXXX to Shellpoint in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently Shellpoint is reporting to XXXX, but has not reported to XXXX. I have called Shellpoint 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to Shellpoint, they have not responded once. CUstomer service is terrible.

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from Shellpoint.

My credit score is now negatively impacted and causing issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
loan company Mr.COOPER dba Nationstar paid the wrong homeowners insurance company after they were told on XX/XX/2019 not to pay any one until i gave them my consent since I was shopping around for a new policy. Well they took it upon themselves to pay a company by the name of " XXXX XXXX '' After filing a complaint against them with you ( CFPB ), Mr Cooper contact XXXX XXXX XXXX to get my money back.The amount is {$3600.00}. 
XXXX XXXX mailed back the check to them on XX/XX/2019 and Mr Cooper states that they haven't received the payment. I suspect that they are lying like they did on my previous complaint against them. 
I am attaching proof that XXXX XXXX returned the uncancelled check to them. 
I want my escrow account to reflect the {$3600.00}. 
Mr Cooper is as crooked as they come.They shouldn't be allowed to do buss after all the problems they had under Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My personal data was breached by Equifax. They put a freeze on my credit report. In order to lift the freeze they require me to send my SS card and DL. 

I have requested a copy of my report. 
I would like to set up a fraud alert. 
I am very upset. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to you with the purpose of explaining the request for dispute for the charge of {$790.00} from XXXX on XXXX of this year. 
I originally signed up for a promotional offer of one month free towards the end of XX/XX/2018 in which they promised me a 40 % share of voice advertising on zip code XXXX, then, by XXXX the calls stopped coming in, when I called them they explained that other realtors bought in the zip code and now my percentage had dropped to 18 % when they had promised that the zip code was locked in and that nobody else would be able to buy in, I immediately requested cancellation of the service and asked that they dont charge my card because this was bait and switch which is an illegal practice in the United States, however, they never acknowledged or accepted my cancellation and said that a my representative XXXX XXXX would call me back, he never did and they charged my card without my permission. I continued to call and write emails requesting immediate cancellation and left several voicemails, and XXXX never acknowledged or accepted my cancellation. In view of my endless efforts I contacted Capital One to request a dispute of the charge, after six months of sending supporting documents to my credit card, they denied my request. 
I humbly ask that you review these facts and help me with this situation. Please feel free to call me anytime if you need anything further. 
Kindly, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/2019 I had a collection appearing on my credit report under XXXX XXXX XXXX with the original creditor being XXXX XXXX in the amount of {$120.00}. The amount was paid in full to XXXX XXXX on XX/XX/19 and after XXXX XXXX removed the collection from my credit reports. On XX/XX/2019, I received a credit alert stating Associated Credit Services has reported on this same collection that was paid off. I called a representative to inquire about this collection and stated that it was not only paid in full to XXXX XXXX but that this collection was under XXXX XXXX. The agent then asked that I send in " proof ' that it was paid to take it off my report. I asked why was Associated Credit Services asking for proof of payment when the collection was with another collection agency and that the collection was paid in full to XXXX XXXX. I then asked when was the account given to Associated Credit services and the agent stated XX/XX/XXXX which is the exact same time the debt was paid in full. The agent could not answer any questions and couldn't tell me when they " allegedly '' got this account from XXXX XXXX after being paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have received various and multiple collection attempts from LVNV funding originating as a civil complaint filed in the XXXX  Municipal Court ( Case XXXX ) on XX/XX/XXXX. 

The creditor violated my rights under the Fair Debt Collections Practices Act ( FDCPA ) by failing to send me a notification of debt prior to the civil filing and furthermore failed to comply with a validation of debt request as stated in my Answer and Subsequent Motion to Dismiss filing with the court. The case was dismissed at the request of the attorney representing LVNV Funding, XXXX XXXX XXXX on XX/XX/XXXX. 

My request for validation of debt was sent to LVNV Funding XX/XX/XXXX in conjunction with a cease and desist of communications the same day I filed an Answer with the court in accordance with my right under the FDCPA. Verified XXXX delivery on XX/XX/XXXX. 

LVNV Funding failed to supply a validation of debt or ask for additional time within the confines of the FDCPA and should have, by law, expunged the debt from all credit bureaus. 

On XX/XX/XXXX I received an email from a XXXX XXXX from XXXX attempting to collect on a debt on behalf of LVNV Funding. XXXX XXXX XXXX either sold this account to XXXX XXXX or LVNV Funding may have churned this account to a different agency. In either case I had documented verification that LVNV Funding received my request for a cessation in communications. I consider XXXX 's emails a violation of that request and in violation of my rights under the FDCPA. 

On XX/XX/XXXX I sent a similar cease communications request to XXXX. This is the second such request I had made and consider the original failure of validation on LVNV Funding 's behalf to obligate them to expunge this record from all credit bureaus. 

Om XX/XX/XXXX I received a letter from Resurgent Capital Solutions attempting to collect on the same account as the previous 2 companies did. 
Once more violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: FL

Complaint narrative:
I contact Equifax several times regarding a reported collections XXXX XXXX XXXX. I have sent them a police report and they do not remove the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/19, I set up payments with Midland Credit Management, paid {$160.00} with another {$160.00} payment set up for XX/XX/19. The total amount owed was {$300.00}. I received 2 statements with the payments taken. However, it is showing up on my credit report still with amount owed  {$300.00}. I called Midland where the gentleman advised they never received my payments and no record of sending me out the letters. I spoke to a supervisor who advised I should sent in a copy of the letter sent by HIS company since they had no record. Then he said he did see a payment made on XX/XX/19 of {$160.00} which then led me to believe they were lying. On my credit report, it shows the balance of {$300.00} so even if they only had a payment of {$160.00} they are committing fraud by not reporting the correct amount to the credit bureau. I paid this account as agreed to delete this off my credit and now they have no record of it and all this for a {$300.00} past due account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2019 Asset Acceptance threaten to sue me by garnishing my wages, in the amount of {$1200.00} about a debt that is unknown to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I was invited to open this account, it says if I deposit XXXX it will give {$500.00} bonus. " {$500.00} bonus you maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period. '' But I never received those bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: FL

Complaint narrative:
I tried calling Transunion to dispute inquiries and they directed me your way.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My loan was transferred from XXXX to XXXX in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently XXXX is reporting to XXXX, but has not reported to Transunion. I have called XXXX 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to XXXX, they have not responded once. CUstomer service is terrible. 

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from XXXX. 

My credit score is now negatively impacted and causing issues.

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