vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I contacted bluebird customer service on XX/XX/XXXX about my account was locked. They started an investigation which will take around 6 months to complete. I called again on XX/XX/XXXX. The operator said due to covid they have to re evaluate the investigation. I still have {$400.00} remaining balance which I still have not received till today. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  signed me up for a loan with Ally lending, which I didnt not want .when I called and complained to them, they said I must come in person to talk to them to cancel the loan. When I got there the XXXX XXXX XXXX threatened me saying I have to received their service or they will sue me, jail time and that their lawyer will make me pay the loan amount and thousands of dollars more if I tried to dispute the loan of {$17000.00} and she also stated that she will not cancel the loan .she took out in my name .i dont not agreed to this loan, for I was tricked into signing papers for just a plan, I have been  suffering from an XXXX  XXXX since XXXX XXXX, and medically I was never cleared for any XXXX XXXX  of such, anyways, because the medical treatments that I am receiving Then and currently would put my life At risk. Alley lending is sending bills with interest and Late charges totaling as of date {$17000.00}. I did call ally lending the day I got the bill and filed a complain and dispute with them with no help to have it resolves.i have send them letters also.

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 2020-10-15 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent Equifax a letter demanding deletion of the following accounts that I will add as addition to this report. Since then, I have heard nothing back from the Equifax regarding my claim and now 30 days has passed. I am demanding these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Santander USA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX New auto loan:XXXX XXXX XXXX VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX, car is great, lender public known for various predatory lending violations in over 34 states  AZ Case Attorney General vs Santander USA Inc XX/XX/2020 XXXX XXXX. Loan amount {$19000.00} Annual Percentage Rate 19.25 72 mos $ XXXX.mo {$13000.00} finance charges, XXXX XXXX stated necessary to purchase extended service contract to be approved after approval Santander stated this was not true and cancellation permitted payment would not be lowered. XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX CEO has associated store XXXX XXXX listed in the court filing for predatory lending violations currently, your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: NC

Complaint narrative:
I sent a letter to Experian regarding accounts on my credit report on XX/XX/2020. I have yet to receive any update on my accounts. These accounts should be deleted immediately.

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 2020-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FCC Finance, LLC
State: GA

Complaint narrative:
FCC Finance LLC is illegally trying to collect on a debt I originally had with XXXX XXXX. This debt was in collection with XXXX  in XXXX. I received a call from FCC Finance around XXXX of XXXX saying they were working with XXXX XXXX to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from XXXX. A month letter, I get a credit update saying I owned FCC Finance a loan balance from XX/XX/XXXX. FCC Finance is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with FFC Finance. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection  for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: NC

Complaint narrative:
I sent a letter to Transunion regarding accounts on my credit report on XX/XX/2020. I have yet to receive any update on my accounts. These accounts should be deleted immediately.

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 2020-10-15 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: TX

Complaint narrative:
I was a victim of ID Theft and someone made several attempts to acquire credit in my name. I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute with bank of america EDD debit card due to errors with a teller withdraw, I faxed over all documents to show that there was an error on there end. On XXXX XXXX I recieved a a credit. On XX/XX/2020 the credit was reversed, I have been reaching out to the claims department, on the morning of XX/XX/2020 I called claims back and was told there was no reason that the claim should have been reversed and that she would escalate this to the correct department to get it corrected, I didnt hear anything back so i decided to call back on XX/XX/2020, i got a really nice representative that went above and beyond to try and rectify the issue. I thought it was going to be fixed but then the representative came back and said the supervisor said escalate the form again, I filed a official complaint with the representative and she said that would force them to promptly look into it, I also requested to speak to another supervisor, supervisor came on the phone and then disconnected, I have reached out many times to the claim department and they just keep saying it will be corrected in one more day, so today XXXX XXXX I called and was on hold for 2hours and 58 mins, finally a representative picks up and looks into the claim and say the credit should be applied in about 2 more business days, I request to speak to a supervisor she transfers me and a man picks ups, I start to explain the situation and he says yes I have looked at your account and I will adjust this immediately, he proceeds to tell me to hold on and then transfers me to customer care, and the representative tells me he can not assist me, I am currently on the phone with them and have been on hold since XXXX XXXX, it is now XXXX no one has picked up, I have XXXX  children and the error is just taking away all the money the edd is providing me,

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 2020-10-15 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: MA

Complaint narrative:
On XX/XX/2020 I disputed an item on my Experian Credit Report on an account with XXXX. My account was paid in full and the charge off amount should be removed and a balance should reflect {$0.00}. Experian did not resolve the issue fully and I again submitted a dispute with documentation and received the results on XX/XX/2020 that " The information you disputed has been verified as accurate ''. They did not verify the information twice because I have and provided documentation that the account is paid in full. If they actually made an attempt in either of my disputes, they would discover my disputes as accurate. Experian remains to be the worst credit reporting bureau in the business. I just want my credit report updated accurately as afforded to me by the fair credit reporting act and for this organization to do their job. Attached are the results of both disputes from Experian as well as a letter from XXXX stating my balance is PAID IN FULL!

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
To whom it concerns : On XX/XX/2020 Collection company Receivables Performance has marked my credit for a balance of {$1900.00} for an account past seven years. On XX/XX/2020 I called to verify my information and due to statue of limitations the account should not be reported on my credit. I ask to please delete this account. 

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 2020-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Several months of not being able to transfer funds, have complained several times to discover bank, still no transfer available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
On XX/XX/2020 I sent Americollect Inc. a certified letter, they received it XX/XX/2020. The letter was requesting that the alleged debt be validated. They failed to do so, they sent me an itemized statement with someone elses name on it. This isnt my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit reporting agencies are reporting inaccuracies to my credit report and it is hindering me from obtaining additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..

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 2020-10-15 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: GA

Complaint narrative:
Credit reporting agencies are reporting inaccuracies to my credit report and it is hindering me from obtaining additional credit.

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 2020-10-15 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: GA

Complaint narrative:
Credit reporting agencies are reporting inaccuracies to my credit report and it is hindering me from obtaining additional credit.

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 2020-10-15 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: One Source Technology
State: WA

Complaint narrative:
In XX/XX/XXXX I had a report ran on me through XXXX and XXXX companies through asurint services, On the report it said that on XX/XX/XXXX it said I went in for assault in the 4th degree on a county criminal record. That already is 8 years past the date it should be on my consumer report. I also noticed right below that it said judgement was placed on XX/XX/XXXX when the judge had acquitted the charge in XXXX by judge XXXX XXXX of XXXX county. All of this judgement is very old and inaccurate. I tried to ask for an appeal due to this back jn XXXX as it prevented me from working during covid and living in a rural area, at any XXXX and XXXX companies when i had great job potential. The employer never got back to me about why i wasnt hired.

Company response to consumer: Closed with explanation