vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

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 2020-05-16 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: MI

Complaint narrative:
Equifax investigation did not fix the unathorized XXXX XXXX XXXX hard inquiry.I never once authorized XXXX XXXX XXXX to pull my credit for anything.Equifax response in there investigation was to call XXXX XXXX XXXX.Thats not the response i was looking for.Therefore, I never authorized XXXX XXXX XXXX to do a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
A payment lateness was reported to the Credit Bureau and this was entirely not my fault. 

Due to Covid-19, wait time on telephone banking was over an hour and I was unable to contact customer service. My second option of payment was using the BBVA app, but that was not working either and I had notified customer service previously and nothing was done about it. 

When I contacted to explain my situation, they said I should have gone to the bank to make payment, and I had let them know my husband had just returned from the XXXX XXXX and we were all advised to quarantine. And with XXXX children, that was a very difficult time. 

I asked them to refuse the late payment report on my credit report and I made all payments, and they refused. I just need them to take responsibility for the app not working and the over 1 hour call waiting which made it difficult for payments to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking, savings, and CD account with Citibank. The combined balance of all my accounts are quite substantial. However, a few days ago, when I deposited a large check ( a settlement I received from my old employer ), Citbank blocked all my accounts as '' fraud '' and prevented me from accessing my money ( even my old money ). The payer showed that Citi had gotten the payment from them ( the check is clear ). However, Citi still tells me there is a problem with the payment - as they can not get the check clear, and they would need 3 weeks to review my account. They said they called the payer to verify the check. Payer told me everyone was working remotely so noone was in the office to answer call. However, they gave me proof that Citi had the funds. It is considered fraud that Citibank keeps ownership of all my money.

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 2020-05-16 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: Capstone Credit & Collection, LLC.
State: WA

Complaint narrative:
I have reached to both : all three credit bureaus and original creditors in order to get full information whats on my file because I cant recognize those accounts All they said was as its accurate without providing me original information. Please provide me information of those account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Charlottesville Bureau of Credits, Inc
State: MD

Complaint narrative:
I was originally contacted by collection agency in XX/XX/XXXX for a debt that I did not recognize, and agency threatened to report it on my credit. I requested validation of the debt and received back from them information about an XXXX  XXXX my adult daughter had. My adult daughter had XXXX insurance under my name. I was listed as who the insurance information is under. I was not the patient. I did not agree to pay for the patient. I did not sign the financial agreement. The copy they sent me was signed by the patient, not me. I returned the documents to them pointing out I was not the patient, the insurance information is under my name and that I did not agree to pay for the patient, nor did I sign the financial agreement they enclosed a copy of. I never heard back from them again. I received a notification that my credit score dropped in XX/XX/XXXX and I requested a copy of my credit report and found the collection agency is reporting this debt as a collection record against MY credit. I immediately disputed to all 3 bureaus. The collection agency falsely confirmed to all 3 that it is indeed MY debt! I also wrote to the collection agency at the address listed on the credit bureau and received my letter returned not deliverable as addressed. They are ruining my good credit and my job could be jeopardized by my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XX/XX/2020 I made Walmart to Walmart transaction they wont release money due to me needing to verify info but I cant get through to correct departments been on hold over 2 hours and this is an emergency situation It is a huge inconvenience they wont refund money or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have to pay $ XXXX  monthly for my car to westlake portfolio management. I have never missed a payment. I pay every XXXX of each month. I have received today XX/XX/XXXX westlake portfolio management phone call trying to collect current month money. I was exposing to the operator about the current situation because to my hours has been reduced and I would need more time to process payment. I did ask for 2 months. Operator XXXX XXXX told me they can't do that. I did ask for help about the situation and the operator said " they can't help '' " you have to figure out '' and immediately he started to questioning me about " have you received the stimulus package? ". Which I said " yes '' " I did buy food and paid XXXX monthly bill ''. 
This company does not have any intention to help due to the current pandemic circunstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE BEEN HAVING ISSUES WITH THE CREDIT BUREAUS CLEARING THESE ACCOUNTS FROM MY CREDIT REPORT DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I tried to get an Apple Card online -- I experienced nothing but frustration, and this has been 4 days of trying. The issuer is Goldman Sachs and the Sponsor is XXXX. The system is designed poorly, and the customer service is much, much worse -- I know because I have been a consumer protection lawyer for decades and have owned and run payment processing companies. 

I encountered a problem because my credit freeze was not lifted the first time applied. So I lifted the freeze and XXXX  did not implement timely. So a second fail occurred. I waited a couple of days and was assured that the freeze was lifted. I applied a third time, now that the freeze was lifted, but the processor denied my application for too many tries. 

I called customer service -- an agency working for Goldman and XXXX. They said their policy was strict -- I would have to wait 30 days and reapply. I asked why? No answer -- just " policy ''. I asked to speak to representative of the issuer ( Goldman Sachs ) -- they discouraged this but I insisted. It took 76 minutes to connect with Goldman Sachs! Same response our policy is a 30 day wait. I made the observation that they were not providing a " service '' to high credit XXXX individuals like me that were denied because of their system difficulties. There are other way to authenticate other than try two times and they are done for 30 days. They are not staffing customer support, they are giving lame excuses for a 30 day delay -- the industry standard is one day -- and they have cost me time and money. I was looking to buy XXXX products to make advantage of the discount, but my efforts have been frustrated and delayed by their system architecture, bad and non-sensical policies, and terrible staffing of customer service at the issuer. 

I was told after speaking to XXXX at Goldman Sachs that a supervisor would call me. No one followed up. 

I was told that I needed to use XXXX  if I wanted to lift my credit freeze. That is not my understanding as all three credit bureaus are to work in unison and XXXX or Goldman imposing their choice of a credit bureau on me is overstepping. Nonetheless I tried to enroll in XXXX  -- predictably they wanted a monthly fee. Their customer service said that once I was denied they would have to delete my profile and start again. It was adding insult to injury. 

Goldman is new to card issuing -- they have no business performing this service for XXXX if they cant design a consumer facing platform that applies a consumer friendly design. What sense does it make to freeze the application of a consumer that has good credit for 30 days? 

The bureau should have them justify their poor customer service staffing, and their nonsensical policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: CA

Complaint narrative:
I'VE BEEN HAVING ISSUES WITH THE CREDIT BUREAUS CLEARING THESE ACCOUNTS FROM MY CREDIT REPORT DUE TO IDENTITY THEFT.

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 2020-05-16 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: CA

Complaint narrative:
I'VE BEEN HAVING ISSUES WITH THE CREDIT BUREAUS CLEARING THESE ACCOUNTS FROM MY CREDIT REPORT DUE TO IDENTITY THEFT.

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 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
Numerous calls regarding a debt to be collected that is not owed. There is no outstanding debt or complaints on any of my credit reports as of XX/XX/20. The calls occur daily and often several times in one day and come from two phone numbers : XXXX and XXXX that comes up as potential spam. I've attempted to complete the " stop calling '' form on their website ( XXXX XXXX XXXX  ) but ironically, the form errors and is not able to be submitted.

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 2020-05-16 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: Carvana Group, LLC
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
We have student loans that we have been paying monthly on. The money was borrowed in the XXXX. We had a car accident that XXXX us XXXX  and was taken off of work and school, not being able to finish or go back to work. Regardless we had been paying back our debt even though we are at the poverty level now in income and XXXX XXXX XXXX. We were nothing but harassed by XXXX, Transworld and now another company XXXX to repay. The past couple of months have been difficult due to the circumstances. We are XXXX and a military family. We received this in the mail from another collection agency- XXXX after paying XXXX  and Transworld and them cashing the monthly checks from us when there is a cease communication order from us on this debt. We want them to leave us alone so we can repay in peace. Also, the loans went through XXXX XXXX XXXX. They no longer show on the credit report but they still cash the checks. We inquired if the massive lawsuit involved our loans but we never got a response. We would like to be left alone and also notified at our mailing address if we are entitled under that lawsuit that was settled. Also, quit harassing us and let us pay our debt in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: CO

Complaint narrative:
On 2 separate occasions I have attempted to access and manage my credit freeze with Equifax. They have blocked my ability to do so online and through their automated telephone services. The first time I attempted to contact them in XX/XX/2020, the hold time was unacceptable and I had to hang up. The second time, the hold time was about 45 minutes and they still failed to help me access and manage my credit freeze without calling them and adhering to their telephone wait times. The other 2 bureaus have a much more customer friendly and timely service to allow management of a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Follow-up complaint ( See Prior Complaint ID XXXX - filed to stop harassing calls/billing for items that were covered/paid by insurance and Kia dealership " loyalty payment for buying another Kia to cover end of lease fee '' ). I requested as part of the resolution that I receive in writing confirmation of a final statement reflecting both payments from the insurance and Kia dealer and showing the XXXX balance so I have it for my records. Kia only responded to the consumerfinance.gov online complaint indicating that all has been resolved. I have patiently waited for over 4 months for any correspondence to myself confirming the matter is resolved. As of today 's date, I still have not received confirmation in writing, which was requested in the original complaint as part of the resolution that the matter is truly resolved. Having received no correspondence from Kia, I do not consider the matter closed and will continue to issue complaints for assistance until I have proof in my hands.

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 2020-05-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my 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 2020-05-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my 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 2020-05-16 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX, XXXX XXXX from XXXX XXXX, XXXX, used my credit card information on XXXX for amounts of : {$42.00}, {$63.00}, {$300.00}, {$42.00}, {$63.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
credit acceptance used vehicle loan open in XXXX went in to chapter XXXX XXXX credit acceptance tagged my XXXX  report with 24 late payments when they knew the trustee was paying under my plan they knew these late pays were false when they entered them they need to be made to remove them immediately entries were made during XXXX and my chapter XXXX XXXX just discharged XX/XX/XXXX they legally could not report anything negative then the bankruptcy

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