vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 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 — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: AR

Complaint narrative:
CEASE FURNISHING OR RE-SELLING XXXX  XXXX DATA OR REPORTS, WE ARE IN THE PROCESS OF SUING THEM ALONG WITH MANY OTHERS IN CLASS ACTION LITIGATION FOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: AR

Complaint narrative:
CEASE FURNISHING OR RE-SELLING XXXX  XXXX DATA OR REPORTS, WE ARE IN THE PROCESS OF SUING THEM ALONG WITH MANY OTHERS IN CLASS ACTION LITIGATION FOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
My credit score was XXXX before Santander Consumer USA did something negative to my credit. 

Obtained loan : XX/XX/2018 Have made payments every month, they will not release my credit score. 

I have a letter from them stating they have received my request to reinstate credit reporting. 

I am in XXXX XXXX, I work everyday, and I go to college full time. 

Santander has totally wiped out my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: Verisk Analytics Inc
State: AR

Complaint narrative:
CEASE PULLING OR EXCHANGING DATA OR RECORDS FILES ETC. WITH XXXX  XXXX PURGE ALL DAT IN MY NAME SINCE BIRTH XXXX XXXX XXXX SSA XXXX DOB XX/XX/XXXX OR FACE A CLASS ACTION LITIGATION WITH TRANSUNION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VA

Complaint narrative:
A company named True Accord keeps sending me repeated emails harassing me about a debt that i do not owe. I don't know who True Accord is, i never received any goods or services from them, and i do not have any contract with them or the company XXXX XXXX who in the last email they are harassing me telling me that they will be taking this alleged debt that i don't owe back. I have not contacted True Accord by email or by phone, because i am scared that they are trying to use legalese to try to trap me into a contract that i don't have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: NC

Complaint narrative:
This has reference to the purchase ( NOT rented ) of a sofa from XXXX XXXX XXXX in XXXX, NC. The actual cost of the sofa was {$1400.00}. 

Although I was ready to pay the full amount the sales person recommended and encouraged me to go for the financing option with their financing partner American First Finance ( which is located in XXXX, TX ). 

Account number for the purchase is XXXX. 

I was asked to provide the bank account number and routing number. Without knowing the credibility of the financing company, trusting them I shared the details. I agreed upon for a weekly payment of {$48.00} per week. 

The date of purchase was on XX/XX/2018. Sometimes in XXXX I survived a major XXXX XXXX and as a result could not track the transactions of my bank account. 

Recently I received a letter from the financing company that I owe them {$0.00}. I was taken by surprise since already I have authorized them to pull the money ( an amount of {$1400.00} for the product I purchased ) from my bank account. 

When called the customer service I was totally shocked ( from which am still trying to recover ) to  understand that they have taken an amount of {$3900.00} ( an excess of {$2500.00} ). 

All my efforts to convince them for refund of {$2500.00} was in vain. 

When it was clearly mentioned that I wanted to purchase they treated it as a rental agreement and I was trapped. 

Since the day of purchase so far never I received any courtesy reminder letters nor phone calls nor any type of communication ( except for the {$0.00} ) which clearly indicates their intention. 

Please find some of the documents I have attached regarding this business. 

After this experience when I went through the reviews about the financing company only to note that many like me suffered as well. 

Best Regards XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I don't agree with the charge off since it was a gap insurance issue and when finally paid wasn't explained what I needed to do till end of the year I owed a full payment. I lost that dispute but now my credit report is showing 2 charge offs for one issue that was paid out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 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: GA

Complaint narrative:
I received a copy of my XXXX credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was  published by XXXX XXXX. I sent a letter to XXXX disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX  District of Ga datedXX/XX/XXXXconfirming that they do not report to a credit reporting  agency. I received an email from XXXX on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I opened claim # XXXX XXXX on XX/XX/XXXX. The claim was closed on XX/XX/XXXX due to a response from the credit bureau. The credit bureau noted that they would reinvestigate. On XX/XX/XXXX, I received a notification from them that the Information would remain. That was not enough time to recertify the Information. I am respectfully asking for this Information to be removed due to invalid verification and incorrect reporting. Thank you for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My way2go card got disabled they made me send my info to a email and i wasnt comfortable with it at all they denied me after i sent My info i need you guys help unlocking my card or getting a replacement card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: GA

Complaint narrative:
I have told Conns debt collectors not to call me on Sundays that it was very inconvenient and they still called me 3 times today XXXX..after the third call I restated to conns not to call me on Sunday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
Upon checking my credit report i noticed a collection agency trying numerous times to collect a debt that i have no knowledge of i have not signed any agreement with this company nor have i entered into any contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Upon checking my credit report i realized there is a depth collection on my report trying numerous times to collect a depth that i have no knowledge of i have not signed nor entered into any agreement with this company

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: OK

Complaint narrative:
I cant get ahold of anyone through their customer service number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I visited XXXX XXXX   XX/XX/XXXX. I was charged in advance {$2300.00} for a dental procedure scheduled for XX/XX/XXXX. Over the next 6 months, I paid care credit {$410.00} per month. On XX/XX/XXXX, XXXX XXXX cancelled my procedure. By XX/XX/XXXX, I realized I was never refunded for the procedure. I sent the doctor an email requesting a refund. I got no response. I called care credit and asked how to file an appeal for a refund. I received a response back that said the appeal will be reviewed allow up to 60 days. They will send me a letter with their decision. After 60 days, I received no letter or refund. I called my bank XXXX XXXX to help me on XX/XX/XXXX. They did. On XX/XX/XXXX, I received a credit on my care credit card for {$2100.00}, I called care credit and asked them if the appeal was complete, and if so why is my refund {$200.00} short. I was told they could not explain to my why over the phone, look for a letter explaining why in the mail. The letter arrived. I have called care credit 4 times requesting a letter or explanation. I even called ( XXXX ) and spoke a manager name Ms. XXXX.on XX/XX/XXXX. I pleaded with her to please fax me over something to help understand what is going on. She told me they could not fax anything, they will send another letter for the 4th time.

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 2020-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am a federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: OK

Complaint narrative:
Consumer 's Original Complaint : I have been with this bank for over 10 years. m=My account was closed due to compliance rules before my direct deposit posted without prior notice. 
checking account ending XXXX   savings account I am a retired XXXX veteran and my checks are protected. I have to go through alot of red tape due to the epidemic that is going on most government agencies are not fully staffed. This is unbelieveable and is not an easy fix.

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 2020-09-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

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 2020-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Financial failed to give me proper validation of this debt. 

I mailed Ally Financial a debt validation request on XX/XX/2020 certified mail # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

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 2020-09-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: GA

Complaint narrative:
After reviewing my credit file i discovered unauthorized and unknown accounts being reported as ethic but they are not therefore im demanding these fraudulent accounts be removed and blocked from my credit file. 

1. XXXX XXXX {$270.00} 2.  XXXX XXXX XXXX {$350.00} 3. XXXX XXXX XXXX {$330.00} 4. XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I am a federally protected consumer and Receivable Recovery Services has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Upon reviewing my credit profile i noticed a collection from WORLD FINANCE COMPANY that was opened on XX/XX/2015. I have no knowledge of this collection nor have i received any notices of attempt to collect this debt which is a violation FDCPA and also a violation of the FCRA i was never notified of this debt and upon submitting a dispute to the 3 major credit agencies the account was somehow verified i would like all pertaining information on this account sent to me, as i am a victim of fraud and believe this account was fraudulently opened ... attached is a copy of my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: ERC
State: GA

Complaint narrative:
XXXX XXXX is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud

Company response to consumer: Closed with explanation