vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Several years ago, all of my money disappeared from my bank account. I received no warning, and I was getting negative account balance fees piling on each other day after day ... My parents stole my money from me, {$20000.00} worth, in a custodial bank account. That by itself is a bit of grey area in the law. However, when I turned XXXX, I walked up to the bank teller, showed her my ID and she refused to open a bank account for me and refused to cancel my direct deposit from my place of work. Now this is completely illegal ... ... Also, over the years I have been acquiring evidence and presenting this evidence to my local BMO Harris branches. They have refused to give me my money bank that I made while working in XXXX XXXX  at XXXX XXXX XXXX  XXXX ... Along with all of the evidence, I have recently acquired a voicemail from a BMO Harris employee confirming that a large wire transfer happened out of my bank 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 2021-02-05 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have an auto loan with Santander back in XX/XX/XXXX, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the Santander class action. Send letters to the credit bureau and Santander and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Ars Account Resolution, Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX. 
reported as derogatory on XXXX  and transition, account # XXXX, with a wrongly reported balance of {$1200.00}. multiple disputes and attempts both to creditors and credit bureaus, all have failed to provide proof need it by law and still will not delete the wrong not proved derogatory 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 explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a car in XX/XX/XXXX and made the 60 payments of {$500.00} so I paid over {$30000.00} for my car. My last payment was XX/XX/XXXX and they ( Capital One Auto Finance ) closed the online payment and said my auto loan was complete. Then they came after me for {$1100.00} and now {$1600.00}. I didn't know what they were referring to since I paid off my loan. Now they sent someone to reposes my car after I paid over $ XXXX. I called them to get them to stop and they refused. I wanted to know why I was being charge " fee 's '' and they said it was late charges. I told them I was not late that many times unless the fee 's were {$500.00} for being late. I tried to make payment arrangements I could afford and they refused to negotiate. I said they can't steal my car I paid for it. They said they have the title and could do what they want it is their car now. This is unethical and stealing they should not be able to get away with this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CA

Complaint narrative:
TransUnion is allowing the collection account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, to be re-aged to look more recent and therefore stay on my credit report longer than it is supposed to. 
My TransUnion credit report says the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} was opened XX/XX/XXXX. 
Enclosed are 3 collection letters from when the account first became delinquent in XXXX of XXXX. This account was never brought to current. .I have enclosed monthly statements from the original creditor XXXX showing delinquency as far back as XX/XX/XXXX and remaining delinquent. I have disputed this account with TransUnion before and they always say it's accurate. It is older than being reported and is wrong.

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 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 XXXX 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 explanation
Consumer complaint received 2021-02-05 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 30-90 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 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Resources
State: OK

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2021-02-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer

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 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is allowing the collection account, XXXX XXXX XXXX, Original Creditor XXXX XXXX  XXXX XXXX, to be re-aged to look more recent and therefore stay on my credit report longer than it is supposed to. 
My Equifax credit report says the account XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX {$1600.00} was opened XX/XX/XXXX. 
Enclosed are 3 collection letters from when the account first became delinquent in XXXX of XXXX. This account was never brought to current. .I have enclosed monthly statements from the original creditor XXXX showing delinquency as far back as XX/XX/XXXX and remaining delinquent. I have disputed this account with Equifax before and they always say it's accurate. It is older than being reported and is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a couple old accounts on my credit report from CapitalOne. I recently noticed that one of the accounts was still showing a balance owed, and the account was being reported as derogatory. I contacted CapitalOne and filed a dispute for the information being incorrect because that account had been settled. After they investigated it they did find that the account was settled and was being reported incorrectly. I just looked at my credit report again today and now there are two other CapitalOne accounts showing on my report as derogatory even though they have been settled as well. This should be illegal to falsely report incorrect information on someone's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Am not aware of this company I C system blance is {$350.00} open XX/XX/2019 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my have gotten into the hands of the wrong person.

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 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
To Whom it may concern, I recently challenged the validity of CREDIT ACCEPTANCE CORPORATION # XXXX ( Collection ) account thats being reported on my most recent credit report. 
Upon challenging this, XXXX  ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. 
If such documents can not be produced please DELETE this account from my credit report immediately.

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX have tried going through legitimate channels to stop what amounts to a loan broker maintaining a balance on my credit report that has been satisfied through a third-party lawsuit for {$12000.00}. The attached letter from XXXX XXXX states that the original debt was procured for XXXX, then sold to XXXX XXXX XXXX. XXXX XXXX has nothing to do with the original loan, and is in violation of their subscriber agreements with all three pertinent credit reporting agencies, XXXX, Equifax and XXXX XXXX respectfully. The answer given by XXXX XXXX through the Consumer Financial Protection Bureau is completely unprofessional, and the fact remains that when XXXX XXXX lost its servicing for the original loan, the balance from their responsibility should have been placed as XXXX balance, sold to third party debt buyer. I p [ aid the loan off through my lawyers office for a {$12000.00} cashiers check. XXXX XXXX must delete the account altogether as it has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX must delete this account Immediately and permanently. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was affected from Covid 19 pandemic. My XXXX  was temporarily closed. I am facing on financial hardship and depending on unemployment benefit. I have asked the Wells Fargo Bank to defer my credit card payment to XX/XX/2021. I am waiting for California Relief Grant to take care of it but the Wells Fargo Bank management ignored my inquires many times. See attached file.

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 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services/XXXX has reported my account to collections as derogatory. This report was made to all 3 credit bureaus while I was actively paying according to the payment plan arranged. The account has been paid in full and is still being reported as derogatory.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Medical Business Bureau
State: IL

Complaint narrative:
I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through XXXX. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : XXXX XXXX XXXX - acct # XXXX - date owned : XX/XX/XXXX Medical Business BureaXXXX acct # XXXX Date opened : XX/XX/XXXX Medical Business Burea- acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: Medical Business Bureau
State: IL

Complaint narrative:
I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through XX/XX/XXXX. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : XXXX XXXX XXXX - acct # XXXX - date owned : XX/XX/XXXX Medical Business BureaXXXX acct # XXXX Date opened : XX/XX/XXXX Medical Business Burea- acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX Retail Card XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CA

Complaint narrative:
Hello, On XX/XX/2020 i sent out dispute letters to Transunion and XXXX  disputing a few errors, but main issue is a XXXX car loan that is not mine. I never received a response back from either one of them in the mail showing me any verification proving that car loan belong to me. 

XXXX XXXX XXXX Account # XXXX the rest of the items on the letters we're also not verified and proven to be mine. 

i will attach proof of the letters sent out, received by the credit bureau 's and signed for by Transunion and XXXX. 

Can you please help me get this error off my credit file because it is hindering me financially. Thank you very much for your help and your 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