vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: Harley Davidson Financial Services Inc
State: IN

Complaint narrative:
On XX/XX/2022, I noticed that Harley Davidson opened a closed account in Charge-off status. I made a phone call on XX/XX/2022, the person stated that they opened the account with it in dispute. They are also showing that I have a monthly payment. I did attempt to make a settlement payment of {$800.00}. The person stated that Harley Davidson would not take the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a few questions. In your response you state that you consider the furnisher 's response. 
Other than " we said so '' what was their response? 
Another statement says " In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. '' I provided evidence the car had been totaled, and the insurance company settled and paid them directly. You are able to verify the document authenticity with the insurance company. This should be enough to remove item without contacting the furnisher that continues to report false information even when presented with evidence. 
Lastly in the state of NY collections and charge offs are to be removed from report after 5yrs. This rule applies even when individual moves to a different state. The law follows where the debt was incurred. I confirmed this with a credit lawyer. This item has been on my report for nearly 7yrs and should be eligible for early exclusion even on 7yr standard. 

I feel there is a conflict of interest that you are paid by the furnisher for the privilege of being able to report with you. I realize this will never change but there should have some sort of accountability to report accurately regardless of what the entity paying you says when presented evidence they are not being honest.

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 2022-10-25 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This company has not solved this issue in the time set. They were to properly investigate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Have not received any results

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 2022-10-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is about XXXX and XXXX creditors and the inaccuracies that Experian inequitably furnishes in my consumer report. I came to find out about this inaccuracy on XX/XX/2022. Since then, I have been disputing the inaccuracy of this account on my credit report and requested for it to be deleted if there was not any sufficient evidence shown to me. This is the list of inaccurate reporting ; payment status shows as charge-off and collection. This doesn't show up on my XXXX and XXXX reports because I asked them to investigate the account and it was removed from my credit report for the same reason for disputing with Experian. I have not received any detailed results informing me of the results of Experian. They only sent me a letter informing me that the account is verified. I should be informed on how the account is being verified, why the account reports as charge-off and collection, how the consumer verified the account and should receive a copy of how the account was verified. Experian failed to comply with the law requirements by reporting fairly, and accurately and investigating properly. This has cost me hardship and hindered me from receiving loans, and insurance, and being able to qualify to live somewhere.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022 I received a Debit Card from Bank of America in the mail for activation. I was immediately concerned considering I never opened an account at Bank of America. I called and spoke with XXXX, from Texas, in the XXXX XXXX XXXX Department XXXX He was able to block the card and notate that the account was opened Fraudulently. He was also able to notify me the account was opened XX/XX/2022. I was then transferred to the XXXX XXXX Department where XXXX, from Texas was able to assist me. She was able to successfully file an Identity Theft Claim since the account was opened using my Social Security Number.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have contacted Capital One Bank about a claim for XXXX XXXX. I sent them all the. 
supporting documents needed and I did not receive a provisional credit and I had to submit the claim more than once. It was denied and I was told to deal with the merchant. I am disappointed with the service and would like my reinbursement of XXXX from XX/XX/2021. Also i submitted my first claim 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report by XXXX XXXX XXXX Placed in collections by Credit collection company Address ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Collection opened : XX/XX/XXXX Date of reflection : XX/XX/XXXX account number XXXX Amount : {$370.00} As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely,

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a citi checking account online on XX/XX/2022 after receiving a promotion letter from Citibank. The promotion letter stated that I would earn {$200.00} to {$2000.00} cash bonus if I deposited {$10000.00} to {$300000.00} to the account within 20 days of account opening. By XX/XX/2022, I had successfully deposited {$11000.00} into the account through bank to bank transfers from my accounts with XXXX and XXXX. However, on XX/XX/2022 I was informed by email from Citibank that my account would automatically close within 60 days. I called Citibank 's fraud department for the reason but the representative could not provide any. I visited the local branch of Citibank near my home several times to seek help but the banker over there could not help much either. The banker checked my XXXX bank statement showing the record of fund transfers and also sent it to the Citibank 's fraud department. Up to today ( XX/XX/2022 ), my {$11000.00} is still being held by Citibank.

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 2022-10-25 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX purchased a puppy from a breeder, no paper work was provide, didn't have to sign anything. The breeder was pushing puppies with no paper work, the breeder preferred cash but told the merchant I would only pay with credit card to protect my purchase. Took my pup the next day to the XXXX, and my puppy was very sick. He had XXXX due to XXXX infestation and in poor health, i spent over $ XXXX and countless XXXX  visits to bring this pup back to good health as he was so sick and i was afraid he would die. I placed a dispute with Truist who is the issuer of my credit card. I submitted 32 pages of documentation from my XXXX along with USDA paper. The charge was for {$1700.00} ; after a few weeks Truist credit my account, and I was told that the credit would remain permanent and that the investigation ruled in my favor. Today, I received an email from Truist to advise me that the credit has been removed from my account and that the merchant provided document evidence to support their charge of {$1700.00}. i reviewed the paper work supplied by the merchant and the receipts are NOT in my name, they are in other people 's name, address, and phone number. Confused I contact Truist and they told me the merchant repre 'd with documentation, and even though it does not have my information listed, i am still responsible. I was sick to my stomach knowing my bank can hold me accountable for someone else 's purchase!

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 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I have been trying to get an application completed for the TPSLF program since XX/XX/2021. When the loan was recently transferred to Mohela, issues are not getting resolved and I am not able to communicate with them at all. They now have even stopped the email message option through their website- but their letters and updates aren't correct. They state they will get back to you in 10 days and its been well over 30. I also have to wait well over 5 hours to get anyone on the line and they usually know nothing so then I have to wait ANOTHER hour for a supervisor who then will provide the same lame excuses and blame the department of education. This is ridiculous- I have been a state employee for 12 years, there is no question I meet the requirements. Also, I have paid on my loans on time for 20 years!!! 

I have done everything MOHELA has asked, I even reapplied like they stated I needed to. There are still payments not being counted correctly and they are not processing any of our paperwork. They refuse to do anything with these payments other than blame the Dept. of Education and I get stuck in the loop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am, XXXX XXXX, submitting this complaint against Experian XXXX XXXX, XXXX and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXXXXXX Delete and purge all Hard inquiries. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above

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 2022-10-25 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:
I called to request a dispute with my current XXXX XXXX where I am listed as an authorized user. I was very specific as there are two XXXX accounts on my name, the Rep verified the correct acct and filed the dispute { Report # XXXX on XX/XX/22 }. I wanted the pay off amount to be updated on the new card. 
Again my account was updated incorrectly or should I say the verified acct wasn't updated but the other card was. The " other '' card was used for fraudulent purchases so I did not want that account to be updated or anything on my file until settled properly.

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 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; XXXX, TransUnion, and XXXX. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, 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
Consumer complaint received 2022-10-25 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: SC

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; XXXX, XXXX, and Equifax. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a credit card with Best Buy for 5 years, I was told the credit card would reported to all three credit bureaus but its only reporting to XXXX. I called 5 different times and was told it should be reporting to all three. I was told each time to wait a month, and every month it was the same. I reach to XXXX and XXXX, and told me I should call CFPB because they still havent reported. I added my wife as a authorized user on my card 3 weeks ago and shows on all three of the credit bureaus.

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 2022-10-25 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
AidVantage is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and AidVantage and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have a vehicle loan through One Main Financial. My payments are usually made automatically via XXXX. On XX/XX/XXXX I made a payment online for {$610.00} prior to my due date. On XX/XX/XXXX upon checking my accounts there was an additional {$610.00} that was withdrawn due to the automatic payment not being caught by One Main 's System and canceled by the payment already made. I called that Monday and was told to send a bank statement showing the two transactions that were made for a refund of {$610.00}. The representative stated that I would need to call to cancel the automatic payment as their system does not read that information. NO WHERE listed on their site does it state that. If I had known that or if that had been information that was available to ALL consumers I would have called. I was not given that option and am still awaiting a refund of {$610.00}. I sent in documentation as specified on XX/XX/XXXX was told on XX/XX/XXXX when I called to confirm the status of the refund and ensure what I sent in would suffice I was told it should take another 48 hours to complete and my refund would be received via XXXX. As of XX/XX/XXXX I still do not have my refund. And when I called to check the status I was told TODAY that the document was rejected. The document was from my bank, listed, my name, One Main 's name, and the amounts that were deducted. I was told to send in a bank statement however, like ALL financial institutions statements are not generated until billing cycles are done on a monthly basis and mine won't cycle until next month. I can not wait that long. Requiring a consumer to do such is unethical. Not listing all information on payment websites is predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation