vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Account # XXXX I called Bridgecrest on XX/XX/21 talked with XXXX. I advised her that I am now going to start collecting a pension. It gets paid at the end of the month. Today I called Bridgecrest XXXX told me that they weren't interested in helping me. He kept insisting he had to give me information whatever the XXXX that was. Bridgecrest has not helped during this pandemic that through a lot of people out of work including me. I was able to make the payment while I was receiving the extended unemployment but XXXX. XXXX cut that off. Luckily I turned XXXX and I am receiving a small pension at the end of the month. Bridgecrest refused to help. They said the loan is charged off and they weren't interested in renegotiation or helping out. They are refusing to give me a new loan, they refusing to help even thought I told them them about the pension. They did not notify me of anything. 
even though I told them they still went ahead with the charge off. I received no paperwork, no notice nothing. I really resent how this company is treating a senior citizen. I am sick of this XXXX. I am tired of the abuse that borrowers ' get from lenders. Abusing an old woman is not nice at all. I am honestly sick of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: SC

Complaint narrative:
ON XX/XX/21 I CONTACTED XXXX AND TRANSUNION IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
hello my name is XXXX XXXX, and I recently pulled my credit report and noticed that the following accounts are reporting inaccurately. there are 6 things thats need to be removed from my credit report : 6 Us dept. of Education accounts, if you look at them everything is reporting differently on all 3 credit bureaus, you, XXXX and transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX  XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX. This violates FDCPA Section 805 ( a ) ( 1 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Services and XXXX XXXX XXXX XXXX Firm We lost our home due bankruptcy fraud by the lender ( debt collector ) SPS. 
We failed our Chapter XXXX bankruptcy Case # XXXX scheduled on XXXX XX/XX/2019 and was denied an " Opposition of Hearing '' by XXXX XXXX XXXX lawyer , XXXX XXXX XXXX retained by SPS by mail on the day of our court hearing, not certified mail. 
XXXX XXXX XXXX lawyer presented falsified documents to the court such as robo-signed by XXXX XXXX XXXX XXXX XXXX XXXX of MERS on behalf of XXXX XXXX the Trustee . 
We learned after the fact that this is common practice of XXXX XXXX XXXX XXXX XXXX, violating the Penal Code 115-PC. 
We are hoping to reopen our case to recover damages. We are both are seniors XXXX and XXXX years of age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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:
In XX/XX/XXXX, my husband and I ( sole cardholders of Discover Card ) received a notification from Discover Card that we owe {$13000.00}. Due to my husband 's XXXX XXXX XXXX and subsequent XXXX, we had cut our usage of credit cards, particularly, Discover Card. Our last purchases using Discover were : 1 ) Dated XX/XX/XXXX for the amount of {$200.00} 2 ) Dated XX/XX/XXXX for the amount of {$280.00} 3 ) Dated XX/XX/XXXX for the amount of {$470.00} 4 ) Dated XX/XX/XXXX for the amount of {$550.00} The above charges were all paid for by us and Discover concurred that they were paid by us. No other purchases were made by us since XX/XX/XXXX using Discover Card. 
We have NOT authorized Discover to add any additional credit card holder nor did we notify Discover of any change of address. We have lived in our residence for the past 22 years. 

Two years later after the first notification from Discover in XX/XX/XXXX and to which I replied that it is NOT our charges, we heard back from Discover via their collection agency collecting the above amount. 

This is pure intimidation and threatening on Discover Card 's part. I tried multiple times to contact their customer service XXXX number but they said they can not do it anything about it. My husband and I are both XXXX yrs old on fixed income. I don't know where else to turn. Please help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a wire transfer fraud. Money was taken out of my bank account without my permission. They had all my information, name, account number, passwords .... I made numerous attempts to reach out to the fraud department. At one point I was on hold for SEVEN hours to be told that I should look into the problem myself and try to investigate it on my own.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc
State: SC

Complaint narrative:
on XX/XX/2021 I got an online insurance quote through XXXX XXXX it showed a violation from XX/XX/2021 with the number XXXX to call if you needed more info I did she then gave me XXXX that was a recorded message with instructions how to request your report. The web address given was XXXX then additional instructions on which tab to click on. Here 's the problem that web address redirects you to the employment verification or sales department. I tried the online chat to tell them I left 3 voicemails. the web address you have here on your consumer website has the exact link that redirects you. You can not request your personal driving or violations report with this web link address. Therefore you can not get your report to verify or object to the claims on said report. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I have attempted to make contact with the Collection Company by sending a Letter of Validation for which I sent via USPS with a Return Receipt : XXXX XXXX XXXX-Original Creditor Southern Credit Recovery-Collection Agency I never received prior notification regarding this debt. I do not owe this debt as my medical services were completely paid in full. I have sent a letter to them and they have not responded. I XXXX the address of the creditor and they are not verifiable. I should have this debt cleared from my credit report, this is an error and fraudulent. 

The address that is listed on my credit report is the following : XXXX XXXX XXXX XXXX, LA XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a problem with Bank of America communication with XXXX XXXX. Reported is to technical on Friday XX/XX/2021. XXXX Case XXXX. I have contacted back on XXXX, and XX/XX/2021 I keep getting that dept is backup and we had a back holiday. It could be another 5 to 10 days. All we do is fill case with that department. I have contacted XXXX XXXX ( XXXX ) XXXX twice. It is not their issue and they are getting multiple calls daily on this issue. My Case number with XXXX is XXXX I was able to connect in the morning of XX/XX/2021 and buy afternoon started getting XXXX error. I have transaction stuck in the to be paid out.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
hello my name is XXXX XXXX, and I recently pulled my credit report and noticed that the following accounts are reporting inaccurately. there are XXXX things thats need to be removed from my credit report : 6 Us dept. of Education accounts, if you look at them everything is reporting differently on all 3 credit bureaus, you, XXXX and 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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-10-13 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: OH

Complaint narrative:
These accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation nd the method of how they validated multiple inaccurate items on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. This credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my PORTFOLIO. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Had a dispute with the XXXX  guys merchant was asked by chase to provide documents of proof fax it on XX/XX/XXXX emailed it on XXXX cause chase said they did not get it checked with chase if they received it but chase said no, asked them if I may lose dispute cause they are not getting documents of proof yet they said I had an extension called again on XX/XX/XXXX, they said I had a extension and should call back tomorrow to check if they received it called again on XX/XX/XXXX they asked me emailed XXXX again nad I uploaded it the server ( last time I tried server it did not work on XX/XX/XXXX I got a message from chase saying that they received my doc and they get back to me in 3 days called chase on XX/XX/XXXX and they said that since I have not provided documents therefore I have lost the claim of {$1600.00} it looks like a nice set up by the credit card to make me loose the case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Over the past year I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX. Once the collection is disputed with the credit bureau, It states the collection has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature, or any other information. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also send Certified Letters to Transworld systems and have not received a response. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Received attached letter stating I applied for credit. I did not apply with this entity, as I already am well aware I would have to travel 200 miles, in order to obtain this. I did not attempt conducting business with this entity, and this is possible fraud. Please recheck your records.

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am attempting to pay off old charged-off debt and have been successful in either paying or receiving payoff information from the creditors. Most, if not all of the charged-off debt should be paid in full within the next upcoming weeks. 

There is one creditor however, DSNB/Macy 's , that shows a {$0.00} balance yet continues to report the account as charged-off. I understand that if I was not paying or attempting to pay but their credit services people tell me that the account shows NO BALANCE so they are unable to take payment, negotiate payment, etc. 

My dilemma is that other creditors, who are now paid-in-full, or will be paid-in-full would then be updating my credit reporting as PAID. My understanding is that these showing as PAID should remain on my credit report however there should be a positive effect to my FICO. The issue with Macy 's is, with no ability to pay them, their continued reporting, as if I have ignored them entirely, has no resolution. 

NOTE : The choice in your website wasn't an exact match, so the choice of " from bankrupcy '' is not an exact match. This is an earnest attempt to clean up and improve my credit reporting history. 

MY Request : either allow me to paid this off is a satisfactory way or show as paid or other status that doesn't continue to hurt me. 

I will provide what documentation I do have from the XXXX credit report. 

Thank you for your consideration. -- XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged unnecessary late payment fees from two different credit cards with capital one for {$25.00} each, which capital one says that they already refunded. But there is no evidence within my transaction history when I log into the mobile app reflecting the fees were ever waived or refunded. They are not producing an accurate information in an accounting record in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: OH

Complaint narrative:
These accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation nd the method of how they validated multiple inaccurate items on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. This credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.

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