vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: CA

Complaint narrative:
XX/XX/XXXX RE : Dispute Result negative reporting account # XXXX Hello Experian, Im writing this letter to dispute your dispute findings for XXXX XXXX  XXXX account # XXXX that I recently disputed through Experian online. This account was requested to be deleted by the original creditor in XXXX per a legal confidential settlement agreement ( see attached documents ) Also, the account appears duplicate times on my credit report. Ive disputed this account on several occasions without Experian or XXXX XXXX XXXX  updating and reporting the account accurately which is required under FCRA Law. 
Ive since filed a complaint with the Consumer Financial Protection Bureau and will file legal action against Experian for refusing to report this account accurately. 

Please review the documentation included with this letter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Letter sent to Experian refuse to delete account per a legal settlement agreement in California

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 2020-05-23 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. 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 2020-05-23 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX RE : Dispute Result negative reporting account # XXXX Hello XXXX, Im writing this letter to dispute your dispute findings for PHH Mortgage Services account # XXXX that I recently disputed through XXXX online. This account was requested to be deleted by the original creditor in XXXX per a legal confidential settlement agreement ( see attached documents ) Also, the account appears duplicate times on my credit report. Ive disputed this account on several occasions without XXXX or PHH mortgage services updating and reporting the account accurately which is required under FCRA Law. 
Ive since filed a complaint with the Consumer Financial Protection Bureau and will file legal action against XXXX for refusing to report this account accurately. 

Please review the documentation included with this letter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Letter sent to XXXX refuse to delete account per a legal settlement agreement in California

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: SC

Complaint narrative:
CheckR background information reported my license as suspended, and incorrect violations to XXXX. I recently purchased a vehicle on XX/XX/XXXX and obtained insurance. I never received any notification of suspension. From XX/XX/XXXX til XX/XX/XXXX, I hadn't driven or owned a vehicle for there to be any violations on. I first obtained employment with XXXX in XXXX of XXXX and would appreciate not having to deal with actions as a result of incorrect information, that could jeopardize my further employment. My license was renewed on XX/XX/XXXX, and expires on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have reached out to all three bureaus and placed a Fraud Alert on my Credit File. I have also contacted both the bureaus and the Creditors individually to no avail. I have filed an FTC Identity Theft Report. Awaiting dispute decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. 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 2020-05-23 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: AES/PHEAA
State: GA

Complaint narrative:
Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, 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 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 2020-05-23 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: FL

Complaint narrative:
A vehicle loan with XXXX XXXX was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called XXXX and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

Experian took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.

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 2020-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A vehicle loan with XXXX XXXX was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called XXXX and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

XXXX took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.

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 2020-05-23 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
A vehicle loan with All Bank was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called Ally and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

XXXX took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.

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 2020-05-23 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: BANK OF THE WEST
State: CA

Complaint narrative:
I filed a dispute with customer service a week ago in regards toan airline ticket i purchasedfrom XXXX XXXX, they canceled the trip, i triedto resolve this with them but i couldn't, i called Bank of the west customer service, i couldn't get any resolution or refund

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 2020-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I have 2 loans with AMERICAN CREDIT ACCEPTANCE BOTH AT 20 % INTEREST. I have tried to pay my loan down by paying more than the minimum payment. They do not apply any additional funds to my principal balance. I have been paying one of my loans for 20 months and my balance does not go down. I have tried to see about getting my interest rate lowered ... .they refuse. I can not get out of either vehicle because I am up side down XXXX in XXXX and XXXX in the other. I would like all of extra payments applied to my principal balance, and a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I checked my credit report, and saw an account for resurgent capital services for credit one in the amount of {$1000.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I checked my credit report, and saw an account for DSNB/Macys in the amount of {$270.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to pay the debt in full of {$270.00} to delete the trade line and collection as the account will be seven years old in XX/XX/2020. Its no reason for it to still report, especially after its paid.

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 2020-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I checked my credit report, and saw an account for XXXX/OPPLOAN in the amount of {$1400.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I checked my credit report, and saw an account for Kohls/Capital One in the amount of {$1800.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: FL

Complaint narrative:
I checked my credit report, and saw an account for General Revenue Corp for XXXX XXXX University in the amount of {$6000.00}. At the time the account became delinquent and I had to drop out of, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 was recently laid off on XX/XX/2020 due to covid 19. Last XXXX I purchased a new car in which I placed XXXX down but the loan valuation was XXXX, I was paying close to XXXX/month. Since being laid off I have had to cut my expenses down to stay afloat. I called capitalone to inquire about their options to make payments during this time the following week after being laid off and their response was that I could only defer a payment for a month. If I decided to take this option they would also increase the interest that had to be paid towards the end of the loan period. The representative also documented my unemployment information during the call. This option was not ideal for me, as a result I have been paying below the monthly payment, roughly XXXX/month for the past two months, XXXX and XXXX. I have seen however that interest is still being applied to my account and the money that has not been paid month over month is also being accumulated. Capitalone is not providing much reprieve during this time. I did not feel comfortable providing my personal information like address and social security number etc and this is why it is not included in the complaint. I am located in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report, and saw an account for XXXX XXXX in the amount of {$300.00}. At the time the account became delinquent, a house fire caused me to eventually become homeless. Because I didn't have any renters insurance, lost everything. XXXX set in and eventually, I lost my job. I was living from one family member to another for a few years working side gigs.

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 2020-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2020 my stimulus check was deposited into my old bbva checking account. 
The check is for {$1200.00}. 

Ive contacted BBVA, since then Ive yet to receive my check. One representative told me they mailed it to the wrong address. I had another representative tell me they would void the check and reissue a new one to my correct address.

Two weeks pass, I send an email to check the status of my reissued check, I never response. After I reaching out again a few times after I received disrespect and no information on my check. Ive yet to receive my check or any updates on where my check is. 

This has been unacceptable from a company that I banked with and trusted. This has cause me many problems, we are in the middle of a pandemic. Everyone needs their money and Ive been neglected if mine, I feel as if they took my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX at around XXXX, my American Express Serve account was permanently suspended & i was locked out. My husband and I have a joint account & he can't access his subaccount or his money either, which was payroll direct deposit from his employer last week. It sucks because he is a hard working essential worker & can't access money he worked hard to earn. I have called numerous times & spoke to a few different people & was told by the last one, that it was because of my last name change on my unemployment. However i have been receiving direct deposit from my employer with my last name change without any issues. And was actually told by customer service, right after getting married, that it wasn't necessary to change it, but could if I wanted to. They even accused my husband of not being who he is, looked and reviewed our account again & saw that they were wrong about that and for holding his funds. They both said that it would be unlocked within 48 hrs. It has not. They are liars & a joke at this point. I have been with Amex for over 3yrs & this has never happened. I will be closing that card as soon as funds are accessible. Already have a new actual bank account set up. We are broke at the moment & they are holding over {$500.00} from us. Please help us as we are just trying to make it & can barely survive. They need to be stopped as there are hundreds of people online that have also been suspended as well. The only explanation they give us, is that we broke section 15d of user ahreement. But we did not. None of us gave them permission to do this & American Express has broken their own user agreement. I am disgusted & dissapointed, as bills are due & we can't access our funds to pay them.

Company response to consumer: Closed with non-monetary relief