vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Thru bridgecrest is my original loan for my car. I refinanced it with XXXX in XX/XX/2021. I reached out to bridgecrest XX/XX/2021 on whether payoff received and was advised it was not. I went to XXXX put a stop payment on first check since had been a month and certified overnighted a XXXX check and bridgecrest verified to me while in the XXXX office on XX/XX/2021 was signed for by their front desk but still hasnt been applied to my payoff now as of XX/XX/2021. Check was received XX/XX/2021. XXXX now needs a letter stating the payoff is still the same XXXX lien be released if a XXXX check needs to be issued since bridgecrest can not find the XXXX check that was signed for by their representative. Bridgecrest is advising as of today they can not issue that letter. In mesntime I am paying on this loan thru XXXX since XX/XX/2021. This is reported in my credit report now as XXXX days past due and I have cleaned my credit up and come a long way over last XXXX years. I also feel I should be compensated at this point for the stress and frustrating and hours on the phone which resulted in missed time from my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
There are some negatives items in my credit report and dont belong to me XXXX BANK XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft 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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
serious delinquency and bankruptcy information still on my credit report after getting dismissed chapter 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 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I have reached the Western Union ( WU ), customer service, several times and have spent over 10 hours on the phone already without any resolution. It has been over a week now, I hear the same response " we are working on it, call us back in 24-48 hours '' every day. 
As you can see in the attachments. I initiated a money transfer using WU from my bank in the US ( XXXX ) to a recipient bank in XXXX ( XXXX ). 
I have been sending money regularly using WU for a time-sensitive project in XXXX. 
The money transfer initiated on XX/XX/2021 with tracking number ( MTCN ) : XXXX XXXX XXXX didn't complete. Nobody in WU knows where my money is. I'm frustrated and worried about this missing money ( {$2900.00} ). I verified with my XXXX bank and the records clearly show that the amount was debited from my account. I'm currently on hold with the WU customer line for over 30 mins as I type this email. 

Please help us with this case. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I paid off my car and received documentation on the payoff, but not the title on XX/XX/XXXX. This was with Gateway XXXX. However, at this time Santander had purchased Gateway. I originally filed a complaint after not being able to contact Santander in XXXX. CFPB XXXX # : XXXX Santander mailed me a letter following this complaint on XX/XX/XXXX stating that they released and mailed the title on XX/XX/XXXX. This date makes no sense as it was paid off in XXXX. They also said that a release of lien letter was requested on XX/XX/XXXX, and will be mailed out to me to take to the DMV to obtain the title. This was never received. 


I don't have a loan # or account with Santander, as gateway was the original loaner, and the loan was paid off at the exact time Santander purchased Gateway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I spoke to a XXXX ( XXXX  XXXX ) representative in XXXX of 2021 and requested a quote only for TV and internet services. I specifically stated that I did not wish to engage those services. 

However, a few weeks later a box of equipment ( which still sits unopened ) arrived followed shortly by bills for cable TV service. I immediately contacted XXXX but was unable to connect to anyone that could correct the problem. On two subsequent occasions I called XXXX, each time waited on hold for over thirty minutes, never able to inform XXXX that they had made a mistake. Further, neither the bills or the XXXX website has an email address that I could write to inform them of their mistake. 

{$520.00} of charges for services and fees have been sent to Amsher collection from XXXX XXXX ( XXXX XXXX ) which now appears as a collection on my credit report. These charges are fraudulent, because I never requested those services and never received those services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, equifax is reporting it as open and transunion and experian are reporting it as a collection... equifax is also reporting this 120 days late and a collection thats double dipping, equifax is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, F.C.R.A. violation. 

XXXX XXXX  A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED YOU ARE REPORTING INACCURATE INFORMATION IN THE PERSONAL INFORMATION SECTION, TO DIMINISH SPECULATION BELOW IS MY LEGAL NAME XXXX XXXX, PLEASE DELETE ANY OTHER NAMES AS THEY ARE NOT MINE AND I HAVE NEVER USED ANY OF THEM.

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 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: PA

Complaint narrative:
Mountain Run Solutions appears per my credit report to be collecting for XXXX  which is a bogus and fraudulent collection on my credit report. I didnt even know about it until I looked at my credit report. I disputed it numerous times with XXXX and to date and thus far hasnt fixed it even acknowledged that I have this debt. 

I was a perfect customer and fulfilled all of my obligations with XXXX. 

I have never borrowed or entered into any contract with Mountain Run Solutions or know who they are. I never received any notifications by text, phone, email or mail from this company regarding why they claim I owe this debt, nor did they provide me with any or my rights to dispute or validate this allege debt. 

I discovered this was merely placing a collection on my report. 

I feel this needs to be off of my credit immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I visited the Bank Of America XXXX in XXXX, CA at approximately XXXX am with the intent to deposit {$500.00} cash into the ATM. Upon putting in my information with the card and attempting to deposit the cash the machine accepted my money and proceeded to make the sounds as if it were counting it. I stood there for a few minutes waiting for the machine to finish counting and after a while, a loading screen just kept popping up. Worried about my money being taken and not deposited I hit the cancel button on the screen. The machine gave me {$1.00} back out of the entire deposit and gave me a receipt stating " We apologize for the inconvenience. We are unable to process your request and can not return your item ( XXXX ). Please contact our XXXX Claims team at XXXX to discuss this transaction ''. 

After this incident, I went inside the bank with the receipt and told a bank teller what happened. He directed me to open a claim ( which I did ) and told me everything would get sorted out within a few days. However, as of XX/XX/2021, my claim has been declined. I spoke again on the phone with the claims department who could not provide me information as to why my claim was denied or allow me video camera access to the date and time that I was there.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I closed my PNC Bank Checking Account on XX/XX/ 2021, and I have not received my XXXX and XXXX 2021 Social Security Didsability Benefit checks nor my XXXX and XXXX round of Stimulus Checks for 2021!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hi XXXX has a 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 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 n 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 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 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 year old  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was contacted by Resurgent Capital and told that if I paid the agreed amount that they would remove the debt from my credit report and cease all legal actions. I paid as agreed and have sent them copies of the cashed check via fax and by mail. They still have yet to honor the said agreement. As I continue to get requests to settle said debt and it is still reporting to all three credit bureuas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo account no. XXXX was established in XX/XX/2021 and during its initial months of XXXX and XX/XX/2021 incurred no monthly service fee. Now, a monthly service fee of {$10.00} was assessed in both XXXX and XX/XX/2021. 

Surprising that the bank is able to impose discretionary fees on its customers after the fact. Given the banks own financial performance, less surprising is the fact that they elect to do so,

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 2021-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX through XXXX XXXX I was just trying to see with my credit I have now what kind d of buying power I have for a home which Ive done before with a soft inquiry. They initiated a hard inquiry which I did not approve .. spine with company and said the would request it to be turned to a soft inquiry but wanted to cover all bases FACTUAL DATA IS THE COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 non-monetary relief