vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Access Credit Management. I have reached out via direct mail with both the three major consumer reporting agencies and directly with Access Credit Management. I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Access Credit Management continues to violate the Fair Debt Collection  Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Access Credit Management. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Access Credit Management must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
USAA has been reflecting incorrect amounts on my available balance, it seems that they have been knowingly miss stating this amount so that I will spend above it to go into overdraft for my checking account. 

I was charged for XXXX $ on the XXXX of XXXX and my account balance reflected this, even though the charge was pending, which is normal that the available balance would reflect this charge and my balance show this debit. 

For some reason, I am just now having this amount being reflected, had my account balance misstated and am now in overdraft, USAA is currently telling me that it was not shown as debited until today 's date the XXXX of XX/XX/2020, but per a statement summary on the XXXX of XX/XX/2020 the amount was reflected as being debited. 

As well there were pending charges from XXXX totalling over XXXX XXXX and on the XXXX of XX/XX/2020, possibly XXXX, I was told by a representative that the charges were being reversed and the amount would be put back into my account within 3-5 business days. I do believe that my account is being miss reflected knowingly, and the further issues are knowingly being incurred by USAA, this is not the first issue I have had with USAA. I am also being told that my available balance prior to the XXXX was XXXX but per the statement it was XXXX. USAA is unfortunately giving me multiple reasons which none answer the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Purchased a new XXXX XXXX XXXX and financed with Citizens One Bank. For the first two years I paid an extra {$1000.00} per month towards the loan. In XXXX I lost my job and fell behind three months payments. Since I fell behind the three months I have got  back on track and have made a full payment every month, so much that I now owe less than one months payment for principal and interest and will pay off the loan this month. 
Citizens One has tacked on an additional {$400.00} in late fees that they refuse to remove. I was out of work here in XXXX due to the pandemic however I still made a full payment every month. 
I am amazed that in this economic environment that bank will not work with their customers and wave the unnecessary fees that charged. XXXX knows they made plenty of money off the loan interest. Can you please speak with this bank about removing their fees. This is certainly not a good business practice with so many people out of work and truly hurting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2020-09-09 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: NJ

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 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: First Help Financial, LLC
State: MA

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

Company 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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

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

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

Complaint narrative:
I sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying information.

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 2020-09-09 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: VA

Complaint narrative:
We have been trying to get a credit report from Equifax since XX/XX/2020. We have faxed our documents 3 times, but Equifax is refusing to release our credit report. They are claiming they never received the documents, but we have proof of all three times the documents were sent. We can not get our home loan without this credit report. We are about to lose our contract with our home offer because of this. The other 2 credit bureaus released our credit report with no issue, so it is only Equifax. 
We have called customer service over 5 times, and all they say is they haven't received our documents.

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

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 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Prior to sending this transfer request I checked and rechecked with Wells Fargo to confirm that I was in fact mailing them all of the required documentation needed to process my request as there are specific forms and documents that are required - they confirmed that I was in fact sending them exactly what they needed in order to process my request which included notarized written instructions from me showing my signature. 

A transfer request was sent by me via next day mail to Wells Fargo with delivery confirmed on XXXX. 

The request was to transfer XXXX from one account and XXXX from another account into one account at a XXXX XXXX  - both accounts at Wells Fargo are in the name of my Mother who passed away on XXXX ; I am the personal representative. The background is I had full access to these accounts to help my Mother manage her finances and I am also a long time Wells Fargo customer having several active accounts with them at this time. 

After about 5 days I called Wells Fargo and they confirmed receipt of the required documentation and also confirmed that the documents had been scanned into their system and ready for processing. They confirmed that it would take about 20 days to process. 

After about 20 days I called and they said it would take a little longer perhaps 30 days from date of receipt to process. 

I waited and called again after about 30 days and they said it would be processed within one week of my phone call. 

I called back after about one week and they said they needed me to fill out form W-9 and mail it back to them and that they would then be able to complete my request ( I was not previuosly informed by Wells Fargo that this form was actually a requirement even after checking and rechecking with them ). 

I confirmed that the requested W-9 form was delivered to Wells Fargo on XXXX at which time I ask them when my requested transactions would take place and the Rep stated it would take another 24 days. Based on the response so far I have no confidence that my requested transactions will be processed after another 24 days of waiting. 

Furthermore, on a personal note this is particularly XXXX  to hold me XXXX by not performing the requested very simple, everyday transactions ; especially after the passing of my Mother and the fact that I have funeral expenses to pay from these particular funds. To add insult to injury, I am the one that recommended to my Mother that she put her life savings into Wells Fargo accounts.

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 2020-09-09 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: PA

Complaint narrative:
I sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying information.

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 2020-09-09 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: VA

Complaint narrative:
I do not recognize this account, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-09-09 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: 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 Equifax data breach and may have got into the hands of the wrong person.

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

Complaint narrative:
XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX ( XXXX ) XXXX Made an accounting error XXXX XXXX on my car loan. This was a payroll deduction from XXXX XXXX, XXXX PA that was applied to my savings account instead of servicing the car loan. The accounting error showed my payment over 30 days late. I was unaware if this until 2 weeks ago and my credit score dropped 112 points. I called XXXX XXXX XXXX and they removed the derogatory past 30 days from my account. I had also paid of my car loan early on XX/XX/2020. I had reported this problem to Experian that the credit report was wrong and I was disputing the derogatory on a late payment. Experian in mails said they would investigate. I received an email yesterday saying the investigation was complete and the derogatory was accurate. This morning I called XXXX and they assured me they had removed the derogatory last week and admitted they made the mistake. Had Experian really done an investigation they would have seen this was an error and was corrected by XXXX in XXXX, PA. My next step will be to file a formal Complaint with the PA State Attorney Generals Office and Consumer Protection Agency and the Federal Trade Commission against Experian and any other credit agencies showing a derogatory on my XXXX account. Thus has done harm to my credit in good standing and put me in a precarious spot if I need a loan in the future.

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 2020-09-09 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: FL

Complaint narrative:
I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. 

I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. 

The reason why I was late had to do with my job not been able to work was laid off for a few months.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My BofA account was compromised BofA refuses too help they charged my account off with no response or help i.filed claims on all suspected fraud on my account no help from this poor excuse of a bank.

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 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted National Credit Adjusters regarding an account that was on my credit report. It was for an account I did not recognize but I wanted to resolve the the impacts of it's reporting as soon as possible. After speaking to an agent I was lead to believe that the only way to resolve this issue was to pay on the account ; I was not told that I can refuse or request account verification ... so I paid the requested amount. 
I later realized that by both federal law and the Texas Financial Code Sec. 392.101 I had the right to the account being validated and for that validation to meet certain criteria. On XX/XX/2020 I sent a certified debt validation letter requesting that NCA provided me with with require verification items mandated by the Texas Financial Code. It has been over 30 days and NCA is unwilling to remove collections in compliance with the Texas Financial Code Sec. 392.101 after failing to validate the account within the 30 day time period required by the state of Texas. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor * The original date of default or non-payment of the debt with original creditor *The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental *The original balance *The current balance * Any fees added by your agency.

Company response to consumer: Closed with explanation