vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX . The car, a XXXX XXXX XXXX, was financed with BridgecrestXXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. BridecrestXXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. BridgecrestXXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found BridecrestXXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted BridgecrestXXXX and was told the check from XXXX XXXX had a stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by BridgecrestXXXX on XX/XX/XXXX. XXXX XXXX provided me and BridgecrestXXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

BridgecrestXXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Hello, i have an account with venmo and on XX/XX/XXXX they froze my account which is the ONLY money i have access too, i have a sick daughter with no health insurance and i am currently homeless and not working they froze my account due to an unpaid debt that was from ANOTHER venmo account i previously had that was supposed to have been closed OVER 2 years ago, because of someone stealing all of my card and account information when i had lost my items! Not only was the account not closed i still am being held responsible i just took that and told them the only way i was going to be able to pay that even though its not my responsibility but they would have to just take it from my current account, i didnt get a response in the beginning then when i did i was GUARANTEED that the freeze would be lifted the very next day! And here i am still with no money or anything! Please please help me i cant get my childs pampers her milk i am a single mother please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I actually have 3 accounts with Medicredit on XX/XX/XXXX sent them certified letter and they sent a letter back saying it would be deleted, but they didn't put the names of the accounts and I have tried calling them with no help. I also have disputed with XXXX, XXXX, XXXX sent them certified letter too. I need help with this company. 
MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$1200.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$51.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: AZ

Complaint narrative:
Reached out to Experian to remove a 60 day late fee charge that was incorrect. Spoke to the company XXXX XXXX and they agree that 60 day late report should be removed and all late fees but 5 late payments. Experian refuse to change or update report with documents that was provided

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX, wrongfully charged my Chase Banking Account because, I used my XXXX XXXX  XXXX XXXX to order food, health products, house hold items, and the like, from the Stores that are listed on the XXXX XXXX XXXX ( which is the product of the XXXX XXXX ), and my XXXX, XXXX XXXX XXXX, have the App, on her cell phone, and on it, she is the XXXX XXXX Account XXXX, and she had her XXXX XXXX XXXX ( which is a XXXX Debit Card ), as the primary sourced ( and one the principle card to be used on the Account, and none others because, that is how XXXX set it up, and XXXX decided to release it, when I told them where the funds came from, and that was yesterday, and my {$100.00} was suppose, and to be ready for me to have access to it, as the Verbal Contract that waws made between me and the Chase Bank Representatives, and they just violated the Verbal Contract. They don't even know what a Verbal Contract means, let alone know what it means, and when I called in today, they started lying to me, and saying that there isn't no Verbal Contract with you, XXXX XXXX XXXX ( which is a direct lie, and I told them so, and that I am not going to agree to that Verbal Contract, you haven't even kept nor honor the first Verbal Contract, so why will I make another one with you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX  XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX  now.with no help

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 2022-04-13 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I took an XXXX loan in the amount of {$140.00} from MoneyLion. The repayment amount is {$160.00}. Upon making the request, it was not indicated when the money would be returned. I knew and believed it was within the 30 days period. On XX/XX/XXXX, I received notification of irregular activity on my bank account. It was in the amount of {$160.00}. It was then I visited my MoneyLion phone app, and realized that there was a notation of repayment " is expected to be processed by XX/XX/2022. '' MoneyLion processed the repayment actually on XX/XX/2022. Upon contacting customer service, the Associate made me aware of the " time period. '' I was appalled. This is worst than subprime lending. I informed the Associate that I will be paying off that XXXX and the {$510.00} loan payment. My account with them will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: AZ

Complaint narrative:
In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX XXXX The car, a XXXX XXXX XXXX, was financed with XXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. XXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. XXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found XXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted XXXX and was told the check from XXXX XXXX XXXX XXXX stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by XXXX on XX/XX/XXXX. XXXX XXXX provided me and XXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

XXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Axos misrepresented their promotion for a {$20.00} bonus for me and the referring person. I never received my promotional credit due to unclear terms of the offer and when I attempted to remedy the problem the representative was very unhelpful. I am extremely dissatisfied with them as a bank and will be ending my banking relationship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased furniture along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX protection plan from XXXX XXXX ( at XXXX XXXX XXXX XXXX, TX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX ) requesting a complete cancellation of the {$290.00} protection plan and full refund along with the XXXX XXXX sales invoice, and the Original and only XXXX Protection Plan agreement that was provided to us at the time of sale at XXXX XXXX. At the top of the XXXX  agreement it says Agreement Number : XXXX and at the bottom of the XXXX agreement, it says XXXX. The agreement states on Number 4 ( Conditions ) - Section G ( Cancellation ), You may cancel this Agreement for any reason at any time. In the first thirty ( 30 ) days You will receive a full refund upon cancellation. To cancel within ten ( 10 ) days of receipt, contact the Selling Retailer of Your Agreement for a full refund. After ten ( 10 ) days, contact the Administrator ( Administrator means XXXX XXXX XXXX ) in writing with this Agreement and a copy of your sales receipt to receive a full refund. The certified letter was received and signed for by XXXX XXXX at XXXX on XX/XX/2022. We have provided absolutely any and absolutely every original document/agreement/sales invoice that was given to us at the time of sales at XXXX XXXX when we sent everything certified mail. XXXX is still refusing to cancel and refund the cost of the {$290.00} protection plan. We have filed XXXX XXXX XXXX complaints against XXXX XXXX and XXXX. It is fraud and a scam on the part of XXXX XXXX and XXXX refusing to refund the {$290.00}. I am disputing this amount of {$290.00} charge on my Synchrony Bank card. I have attached all original documents already received and signed for by 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 2022-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Over {$130000.00} is locked since XXXX, for months soon to be half a year The company applied no effort to unlock funds and allow transfer outside citibank Tens of hours spent on the phone with Citi agents, all calls get dropped and no assistance Will be proceeding with legal lawsuit, no support from the bank

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 2022-04-13 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: FL

Complaint narrative:
On XX/XX/XXXX I sent Transunion a letter disputing the XXXX XXXX XXXX  account they are reporting on my credit report. I received a credit report on XX/XX/XXXX stating they verified the account and it will remain on my credit report. I sent a follow up letter on XX/XX/XXXX due to my disagreement with their results. They responded with a letter on XX/XX/XXXX saying they had completed their investigation already and unless I had other proof they were not going to investigate it again. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was verified as accurate on XX/XX/XXXX. I then sent another letter on XX/XX/XXXX stating multiple errors are still being reported. I received a credit report on XX/XX/XXXX that the account is verified and remains. I sent in one last report on XX/XX/XXXX asking for the method of verification as I know this account was not verified. On XX/XX/XXXX, I received a credit report showing the account was verified and accurate, but was never told how the account was verified. How is that possible when there were no payments made in XX/XX/XXXX? Nothing had been done to correct this account, even with proof. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. As I look back over my reports from Transunion I can see that the amounts that were paid in XX/XX/XXXX change throughout the course of the last year. Where is the proof payments were made and how much were the payments??? I am appalled that Transunion would continue to let this account show errors. This account needs to be deleted.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me CITIBANK NA, XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020

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 2022-04-13 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: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Reached out to XXXX to remove a XXXX day late fee charge that was incorrect. Spoke to the XXXX XXXX XXXX and they agree that XXXX day late report should be removed and all late fees but XXXX late payments. XXXX refuse to change or update report with documents that was provided

Company response to consumer: Closed with explanation