vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: CO

Complaint narrative:
Loan amount of $ XXXX ( +/- ) was funded XXXX. Amount included Title, Tax and Registration fees. Dealer collected fees as well and submitted paperwork to the County while Bank of the West has made no effort to release remaining funds needed to issue plates. 

The Temp plates issued upon purchase on XX/XX/XXXX expired after 30 days. Numerous attempts to have BofW release the funds have gone unanswered. I supplied BofW with a statement from the XXXX detailing the remaining amount due to register the Class A Coach ( Motorhome ).

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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: NY

Complaint narrative:
Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, XXXX and XXXX XXXX and a company called Tempoe LLC. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, Tempoe, and they have ignored all my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I noticed that I have 4 collections accounts on my credit report in XX/XX/XXXX from California business bureau which is a collections agency. The original debtor is XXXX XXXX XXXX Hospital. I only received 2 hospital bills from XXXX XXXX XXXX hospital over the course of the last 5 years. One in the amount of XXXX for a service done on XXXX and another for XXXX from XXXX. I have never received any other correspondence for anything else I owed. Because XXXX XXXX hospital doesnt not speak to you if your debt has already been bought by a debt collector, I called California Business Bureau to see what was going on and why these items were on my credit report. They told me they couldn't answer any question regarding the hospital but claimed they tried to contact me several time via phone and mail regarding the debt this conversation took place on XX/XX/2020. I let them know I was going to contact XXXX XXXX because they never sent me a bill and I have lived at the same address for 6 years, and they've verified my address several times so I know they had it. Today, XX/XX/2020 I contacted California business bureau to get more information on the 4 accounts that were on my credit report. The lady I spoke to ends up given me 3 more accounts that went to their agency making it a total of 7 accounts I have not been made aware with both XXXX XXXX XXXX hospital or the California business bureau.  The first conversation I had with CBB, they never mentioned any other accounts, so I'm very confused. However, while I had her on the phone I get information about all 7 accounts now. I then contact XXXX XXXX hospital to see why I was not made aware if these Bill 's and to compare what CBB has as owed amount and what they actually has as owed amounts. The amounts didn't add up as CBB is adding interest on each of these accounts -- accounts I was never made aware of. This is not legal business practices for either of these business. Had I been made aware of this debt, I would have made arrangements to pay. It seems like XXXX XXXX hospital just sends CBB debt without having tried to retrieve and inform their customers of what they owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I opened a checking account on XX/XX/24. The checking account had an advertised {$300.00} opening bonus for opening the account and performing {$1000.00} in direct deposits. I have fulfilled the requirements but never received the bonus. I sent a message to the bank and still haven't received the {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 may have got 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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have been having an issue with Experian in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.

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 2020-09-14 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: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed accounts and noticed accounts I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed accounts and noticed accounts I did not authorized.

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 2020-09-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: OH

Complaint narrative:
I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have 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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My student loans have lates reporting and I haven't been late since XXXX, and then I refinanced loans. I have three student loans and all the payment have been made correctly and on time. 

DPT ED/XXXX amount Owed {$530.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX amount Owed {$21000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX Amount owed {$2000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX, XX/XX/XXXX. I have never been late at all

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 2020-09-14 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 AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have two credit card accounts with Bank of America. One is closed and the other is open. I mistakenly made a payment to the closed account. I have been calling for 30 days to request they transfer the {$500.00} payment to the open card. I called my bank XXXX XXXX where the payment was drafted and they credited my account the {$500.00} payment. A few days later Bank of America charged {$500.00} my card. I have documentation that I made a payment on XX/XX/XXXX and it cleared my bank. I made a second payment on XX/XX/XXXX and it cleared my bank. Bank of America has denied my claim.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I OPENED UP XXXX XXXX CREDIT CARD BY COMENITY I CHARGED MY XXXX WORTH OF APPLIANCES WAS TOLD THAT I WOULD HAVE FREE INTEREST TILL XX/XX/2020 MY LAST PAYMENT OF XXXX WAS ON XX/XX/XXXX. I NEVER RECEIVED MY LAST BILL THEY CHARGED ME XXXX LATE FEE. I CALLED THEM AND TOLD THEM I NEVER RECEIVED THE XXXX BILL THEY SAID THEY WOULD CREDIT ME. NO ONE EVER TOLD ME THEY WOULD ONLY CREDIT 1/2 I JUST RECEIVED ANOTHER BILL IT SHOULD have BEEN XXXX INSTEAD IT IS XXXX. WHICH IS XXXX THEY ONLY CREDIT ME 1/2 AND THEN THE TOTAL INTEREST OF THE APPLIANCES THAT I PURCHASED IN XXXX OR XX/XX/2020 THEY SAID THEY CAN NOT DO ANYTHING THIS IS HORRIBLE PRACTICE ... TO COLLECT ON THEIR INTEREST I TOLD THEM TO CANCEL MY CARD AND I WILL NOT BE PAYING THE INTEREST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 may have got 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 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Writing back in response to this companies response. The information in response to my original CFPB compliant is invalid. 

Again, this company stalled on reporting payments to credit bureau. This company inaccurately reported data that is invalid. 

This company withheld information from XXXX XXXX XXXX in an attempt to collect more money on rate. 

I have recordings of company stating the late pays would be removed as it was their error. I have recordings of the supervisors and managers stating the problem would be fixed once the last payment was made. No luck this company also failed to follow government orders for COVID19 reporting. 

There are over 1000 complaints on the XXXX from the complaints of people who experienced the same issue during COVID19. Please look into this company. They are inaccurately reporting and are doing the very actions CFPB was set up to protect consumers against. Thank you.

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 2020-09-14 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: CA

Complaint narrative:
Writing back in response to this companies response. The information in response to my original CFPB compliant is invalid. 

Again, this company stalled on reporting payments to credit bureau. This company inaccurately reported data that is invalid. 

This company withheld information from XXXX XXXX XXXX in an attempt to collect more money on rate. 

I have recordings of company stating the late pays would be removed as it was their error. I have recordings of the supervisors and managers stating the problem would be fixed once the last payment was made. No luck this company also failed to follow government orders for COVID19 reporting. 

There are over 1000 complaints on the XXXX from the complaints of people who experienced the same issue during COVID19. Please look into this company. They are inaccurately reporting and are doing the very actions CFPB was set up to protect consumers against. Thank you.

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 2020-09-14 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: OH

Complaint narrative:
I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: OH

Complaint narrative:
I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have 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 2020-09-14 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: NM

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XX/XX/2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-14 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: NM

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XXXX, 2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
During this refinance process i have had poor service and communication with Quicken Loans/Rocket Mortgage. I have submitted questions to them and it has taken weeks to receive a response instead of their stated 4 hours. I explained on the app I could not view any action items for me. They said they were there and would re-push them. Days later I could still not see them and they said they were there. I can not complete what I can not see. Finally some random Quicken person called me to START a refi. Clearly I was in the middle of one so this solicitation caller transferred me to some one who could then email me the documents I needed to sign. Which I did manually. 

They say their pending items are HOA and second mortgage holder, both of which i have contacted and still to this day state they have not heard from them. Quicken has been delaying this process and they have not been proactive in following up. 

I just want my refi to be completed asap and now we are another month in so I will make my XXXX payment that I was not suppose to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 may have got 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 2020-09-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Originally I have requested free annual credit reports from Equifax, XXXX and XXXX on XX/XX/20. I have received credit reports from XXXX and XXXX but not from Equifax. I called Equifax on XX/XX/20 and was advised to send copy of my drivers license and social security card. 

I have sent them copy of my drivers license and social security card and utility bill on XX/XX/20. But did not receive free annual credit report.

Company response to consumer: Closed with explanation