vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I asked for Equifax to show validation and even go more in depth of the chapter XXXX bankruptcy on my credit. They refusal to investigate more in details. I reached out to the courts that Equifax provide me with and I spoke with the court of clerk and I was advise they do not verify anything with the credit bureaus or provide any information to them. How is this account verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.

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 2020-08-23 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.

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 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: The CMI Group, Inc.
State: IN

Complaint narrative:
I have filed disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have filed disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Im a new XXXX XXXX. XXXX XXXX with me and my bestfriend and little sister! Ive applied for the SBA LOAN and yes I had it deposited into my personal account reason being ( all money used for XXXX   comes out of my account ) and all transactions are used via. XXXX XXXX XXXX! navy federal are telling me that my XXXX is not in the secretary of Georgia which is correct. my thing is I have my EIN Ive send all proof of business website, IG to my SBA LOAN OFFICER so for navy federal to freeze my account with so much damage and backup being done to my XXXX is crazy to me!!! and theyre so RUDE AND NASTY when you ask questions then they caught several attitudes with me because I stated that Ill proved the information that I provided SBA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
First let me say I am VERY worried that this is going to happen to other customers. Uber has recently cancelled this credit card all together for new applicants and has changed a huge array of benefits and % 's related to it. They are clearly changing their customer service to be able to better avoid accountability for fraud and this is extremely concerning. 

1. I got an email saying that about {$300.00} in credits ( formerly cash back ) from my rewards points earned was applied to my Uber Account. 
2. At the same time, there were 2 unknown charges on Uber that were not me 3. I cancelled the card as I realized that someone was committing fraud. 
4. I asked Barclays for help. They put in a support ticket. 
5. I followed up to ask for an update - they told me that I should contact Uber instead of them. I asked why they put in a support ticket if they can't solve it and they apologized and said they can't help me. 
6. The number they gave me to call Uber had a voice message that said that their phone number is shut down and to email XXXX 7. I e-mailed XXXX and got a response that the email is shut down 8. I looked all across the web for more and more numbers for Uber. All had the same message or were not active. 
9. I finally was able to get in contact with Uber, where we went back and forth on e-mail as they ignored my messages and responded with non-sense that was not helpful. 
10. Finally, they got back to me and told me that the uber credits were redeemed n another Uber account that shares my payment method, gave me the first name of the account ( a random person I do not know ), and recommended that I work directly with this random person to resolve my issue ... ... .. I laughed out loud at the absurdity. They want me to deal with this fraud on my own? 
11. I told them that this is unacceptable and that I needed a better answer or I would report them to the CFPB. 
12. They cancelled the request so my email did not get through. I do not even remember how I finally got in contact with them since it was so hard, so I am now reporting this it to CFPB I have since tried to go back to Barclays for a 5th? 6th? time.. no results. Thanks for your help.

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 monetary relief
Consumer complaint received 2020-08-23 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: PR

Complaint narrative:
the problem is specifically with Equifax a reported account with a balance of {$10.00}, XXXX of XXXX that account was disputed at the time and does not belong to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Several years ago, I was in a bit of financial trouble. I asked for a temporary freeze on my account to help me get through it. I was granted the request allowed the auto pay from my account for a year. I continued to make payments over the course of the following year and have almost paid the debt completely off. All payments were made on time and at larger sums that previously. My credit score is the highest it has been in the last two years but I just received an email that my account is being closed due to my credit score.  How is this possible when its the highest it has been? I reached out to customer support to see if my account was going to be closed in XXXX since I noticed I wasn't able to use the card yet. He replied no my account wasn't going to be closed yet a couple months later it is. Now by closing this account you are hurting my credit score that I have worked really hard to build back up again. Your reasoning makes no sense, and how convenient once you get your money you close my account but not 2 years ago when I had a higher balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX  ) and University XXXX XXXX ( XXXX  ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, XXXX, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or XXXX reported the delinquency to Experian. 

On or about XX/XX/XXXX, I entered into a repayment plan with XXXX agreeing to pay {$55.00} per month on the loan. Neither XXXX nor XXXX reported this agreement to Experian. 

A few months after entering into the repayment agreement, XXXX changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or XXXX reported to Experian that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and XXXX. They have informed me that they would " fix '' the situation. XXXX and/or XXXX reported to Experian that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or 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 2020-08-23 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) and University Accounting Service ( UAS ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, UAS, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or UAS reported the delinquency to XXXX 

On or about XX/XX/XXXX, I entered into a repayment plan with UAS,  agreeing to pay {$55.00} per month on the loan. Neither XXXX nor UAS reported this agreement to XXXX 

A few months after entering into the repayment agreement, UAS changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or UAS reported to XXXX that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and UAS. They have informed me that they would " fix '' the situation. XXXX and/or UAS reported to XXXX that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. I did not know that someone stole my identity and opened a debit card and use it with Citibank. I always ask them to close my account because it was opened without my knowledge. I also sent a police report and asked them to remove any charges on the unauthorized account. The Citibank already closed my account but they still ask me the money for overdrawn of {$82.00}.

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 2020-08-23 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have forwarded all information to Bridgcrest regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Our country is still suffering from a NATIONAL pandemic with the Coronavirus. We live in XXXX and are a family of XXXX, our XXXX growing kids,XXXX and XXXX. My husband lost his job during the pandemic. He was owed back unemployment wages that he is still trying to collect. He recently just lost the supplemental assistance PUA as well. I am a XXXX XXXX XXXX who is now the sole contributor to all our expenses and livelihood.When the virus struck, many companies proactively reached out to consumers to let them know that they would be forgiven for late payments or given extra time to pay without consequences. Not Westlake Financial. This company continued to call and harass us during  this very distressing time. We made arrangements to pay when we could, but we were treated so poorly and shamed about even having to ask!! There were times when we were called and bothered no less than 5 times a day. While people were dying daily by the hundreds in XXXX. This type of behavior is despicable. Our mayor and governor have halted rent and mortgage payments so people have a chance to recover. Not Westlake, who once again after the time that they first granted us an extension, immediately started calling with the harassing calls daily. Also, my husband was berated by the " customer service '' reps that he always had to request to speak with someone else.Last week, our refrigerator broke after a storm in our area took out our power. My husband drove to XXXX XXXX to try to buy a part so we would not have to purchase a new one. While he was in the store, our car was REPOSSESSED by Westlake. Without notice! We were 2 payments behind. For this company, that is not much, but for us it is huge. To think at this time that they would repossess a car after only 2 months is shameful. Not only did this happen, but the way my husband was spoken to on the phone was embarrassing. As if we were XXXX trying to evade payment. We borrowed the money to get our car back because we do need our car as there were NO other options presented by the company. We asked for a payment plan, more smaller payments, etc. We have always stayed in contact with them during this time to let them know of our situation, but it has always fallen on deaf ears. We were given an extension but we were made very sure that our contract would be going longer.I can not understand how a company that serves the public can operate with so little compassion.

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 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I am not responsible for this account. Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX I sent certified mail to the following Credit Bureau Transunion, XXXX and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : XXXX XXXX XXXX XXXXXXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus

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 2020-08-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
On XX/XX/2020 I made a order from XXXX for a XXXX laptop for {$1100.00}. 
It was supposed to arrive on the XX/XX/XXXX But I never received it I made a report with XXXX they said they would send me replacement but the replacement never came. I then proceeded to contact they and was to told to contact my bank because they couldnt help me. Then I contacted my bank which is my payroll Im not very bank savvy so I just use my payroll card ( XX/XX/XXXX Money network ) they kept closing my claim saying I didnt have Sufficient evidence so I mail them a paper they had me fill out. And then receive a letter saying that my claim has been denied so Ive lost my {$1100.00}.

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 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've requested a reasonable settlement offer to compensate for damages due to accounts opened by Wells Fargo reps which I did not need or want, no reasonable offer made to date. Damages include lost interest on monies unable to deposit due to information reported by Wells Fargo to consumer reporting agencies, information has prevented me from opening deposit accounts for several years now. Wells Fargo has mailed me numerous mediation request forms, six filled out to date, no reasonable offer made to compensate for damages. A mediation session was made with Wells Fargo rep, XXXX XXXX, an offer of {$300.00} presented, then increased to {$500.00}, which again does not cover damages. The mediation session appears to only cover damages by accounts themselves, not damages stemming from them. Further, prior remedy offers made including {$3700.00} by XXXX XXXX and the last offer amount of {$500.00} do not cover damages including lost interest during time period from last Wells Fargo account closed to date.. Failing to make a reasonable settlement offer, I request Wells Fargo to STOP sending mediation request forms, if not, they will be refused. Also, I request a mailing address to file a lawsuit against Wells Fargo.

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