vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: NE

Complaint narrative:
Ive told them not to call. Ive told them Im not giving them the information. Ive told them to stop calling my mother. This company continuously calls my number numerous times every day. When I answer, because I do answer, they claim that they are required by law to go over a document with me and that they need the last four digits of my social security number. I continuously refuse to give the information they are asking because I do not feel comfortable doing so not knowing what this matter is even for. What frustrates me the most is that this company isnt only calling my phone, but they are harassing my mother as well. She told me that she gets at least 3 calls a day and they just keep asking where I live.

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 2020-09-16 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: MI

Complaint narrative:
i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to Experian, XXXX, and XXXX  and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX  ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.

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 2020-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had XXXX $ deposited into my XXXX acount onXX/XX/2020  from a state unemployement agency from my back pay. XXXX said i can not touch funds for 180 days. They have no customer service line because of the pandemic. The message center is all automated. I have sent messages asking for my funds to be refunded to the state agency and they have not done so and have not responded. I am about to be homeless and i dont knkw what to do. I need help. They have no customer service available because of pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: CA

Complaint narrative:
I have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but XXXX  indicated something were disputed but I never received information on those items via mail or email. XXXX  indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: CA

Complaint narrative:
I have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but Experian indicated something were disputed but I never received information on those items via mail or email. XXXX  indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus as well

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 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I am being charged for something that does not belong to me. I have no knowledge of my the is hitting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of america is refusing to reverse/refund a payment amount from my checking account that was from a merchant. 
They do not want to consider facts and circumstances regarding my claim and shut me down claiming that it is outside the timeframe which is not my fault. I travel for work and visit state to state and this merchant deliberately waited me out until I lost trust in their work. 
I have a receipt, address, phone number, call records, texts, video recordings that support my claim but Bank of America does not want to hear or see it at all. 

Here is video of my vehicle malfunctioning after paying the full amount {$1800.00} that Bank of America did not want to review or consider. 

XXXX dropped off vehicle and made electric down payment of {$1000.00} to merchant for transmission rebuild. 

XXXX merchant requested remaining balance of {$800.00} and claimed the transmission was removed from vehicle and completely repaired. Receipt provided and specified a 12 month warranty. 


XXXX transmission malfunctioning, could not perform 40mph, diffculty acceleration, high revving with low speed, high rpm but low speed. Dropped off vehicle ( XXXX ) XXXX XXXX    XXXX XXXX - merchant charged me {$270.00} under warranty for speed sensor and claimed it was fixed and ready. 


XXXX Transmission malfunctioning again. Dropped off vehicle to his shop after this incident on the same day. 
( XXXX ) https : XXXX XXXX to XXXX - vehicle was in merchants care and possession and failed to fix transmission. XXXX multiple attempts were made to contact merchant but he ignored me. Picked up my vehicle the next day. Transmission problems still exist and 3rd opinion provided me written documentation to prove that XXXX. Bank of America has a copy of this as well. 


XXXX merchant issued an electronic apology and excuse XXXX admission of guilt ). Bank of America has a copy of this but did not take it into consideration.

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 2020-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
I got a call from a " representative '' who verified who I was and then transferred me to another person, XXXX XXXX. She told me I could pay my loan off at just pennies on the dollar by signing up. She referred to the William D Ford Act for loan forgiveness. She pressed me for access to my Mohela account. I told her I didn't have the information at hand and she gave me a phone number to call her back on, XXXX. I didn't do it but thought you should know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I the consumer pursuant to title 15 U.S. Code 1692a ( 3 ). I requested verification of unverfied debt pursuant to title 15 U.S. Code 1692g ( a ) ( 4 ) and title 15 U.S. Code 1692g ( a ) ( 5 ) and have not received a proper response. DISCOVER has continued to attempt to collect the debt despite failing to adhere to Federal Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: ND

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( XXXX ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Reached out numerous of times this is not me this should not be on my account. I have no knowledge of why this is on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NM

Complaint narrative:
I purchased a XXXX XXXX gift card for {$25.00} at XXXX 's XXXX   XXXX  on XXXX  and XXXX in XXXX, New Mexico on XX/XX/2020 at almost XXXX XXXX. I tried to used the card at a XXXX XXXX and was told the PIN was invalid. I just paid for my dinner with my debit card. I have contacted XXXX XXXX five times and they say they don't refund gift cards from grocery stores. I returned to the grocery store and XXXX at customer service told me that gift cards are non-refundable. I feel as though {$25.00} was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: ND

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.

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 2020-09-24 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: IL

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove 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 2020-09-24 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: IL

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  opened multiple accounts at my address in order to solve issues I was having with service during the moving process XXXX XX/XX/XXXX ). At the end of my time with them as a customer I closed my known accounts and paid off my bill XXXX XX/XX/XXXX ). Unknown to me was a second account in my name that was still past due. Rather than contacting me, they waiting 18 months and submitted to collections XXXX XX/XX/XXXX ). Of course, the collections company had all of the account info ( including account number ) so I could track down the account associated with this issue. I promptly paid XXXX  ( XX/XX/XXXX XXXX once I understood where the charges came from. I then submitted to the major credit reporting agencies as dispute to have this removed from my credit report as it is pulling my credit score down by well over XXXX points. XXXX  removed it XXXX XX/XX/XXXX XXXX as did XXXX. I submitted two disputes to TransUnion, both of which were denied. Current status is paid and to be removed from my report XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: PA

Complaint narrative:
All 3 credit bureaus ( Equifax, XXXX, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( Equifax, XXXX, XXXX  ). 
I'm usually a very understanding person but this is just XXXX. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: GA

Complaint narrative:
The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.

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