vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: SC

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 XXXX 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 2020-09-18 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have an account that was with XXXX XXXX and sold to Midland credit with an estimated balance of $ XXXX.I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the XXXX XXXX XXXX guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: ProCollect, Inc.
State: TX

Complaint narrative:
{ 15usc1692 } ( e ) { 807 } ( para ) ( 13 ) false representation or implication that documents are legal process from local county court being served by law enforcement. { 15usc1692 } ( d ) ( 806 ) { para } ( 5 ) causing a telephone to ring or engaging any person in phone conversation repeatedly with the intent to annoy, abuse, or harrass the person at the called number over 5 times in one day.

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 2020-09-18 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: NC

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 XXXX 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 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
Hello, I received the Way2Go Debit card as a product with which I have received my unemployment insurance funds, roughly around XX/XX/2020. This Mastercard product was accompanied by the associated information and terms of use paperwork. The XXXX XXXX Prepaid Mastercard Card Terms of Use document includes a table under the 26. Fee Schedule section. I have attached an image of the section of interest. Funds Transfer is listed as a category, noting You may transfer funds from your Card account to a U>S> bank account owned by you. You must initiate the funds transfer by calling the automated customer service at XXXX. I wish to note that on XX/XX/2020, I logged in to my account on and searched through the Cards associated website portal, GoProgram.com, and was unable to find any reference to initiating or performing fund transfers online. Furthermore, I called the provided Customer Service phone number on XX/XX/2020. Fund transfers were not offered at any portion of the automated systems choices. I eventually reached a customer service representative over the phone. She confirmed that the customer service department for this card is unable to initiate a fund transfer in any way. She suggested that I complete the transfer online, by logging into my account. I informed her that I had attempted the actions via my account online. She looked further into the situation and reaffirmed my sentiment that transferring funds was also not an option provided to me through my online account. I asked her to confirm that there was in fact no means in which the funds could be transferred electronically or directly to my XXXX XXXX  account. She confirmed and informed me that my only options for accessing the funds are to either withdraw cash via ATM or spend the money through purchases. In summation, the Terms of Use for this card indicate that I may transfer funds from this card to my personal XXXX XXXX  account, while simultaneously no method for conducting this service is offered to me ; XXXX XXXX is not providing the service that they claim to offer. 

I called CFPB on XX/XX/2020, explained the above situation, and was encouraged to file a complaint, preferably online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, my husband and I applied for a mortgage loan with XXXX XXXX. The loan officer stated that our credit scores were too low to obtain a mortgage loan even when he uses the middle score from all three bureaus. Also, on today, XX/XX/2020, we applied for a mortgage loan with XXXX XXXX through XXXX XXXX with the same results. This complaint is against Equifax Credit Bureau, who shows my credit score as XXXX. However, when the mortgage loan officers check my score then Equifax is reporting XXXX. This different span of scores is affecting our ability to purchase a home and makes Equifax in violation of the Fair Credit Reporting Act. I have attached the scores reflected by Equifax via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: LA

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 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I've had a mortgage with Freedom Mortgage for several years. In XX/XX/2020 I contacted them about a IRRRL. 

It is XX/XX/2020 and my loan still has not closed. I can not get a straight answer and am told they are " waiting '' for one step or another.

This is ridiculous and is costing me extra money every month. I believe it is deliberate to get extra income from interest.

No one responds to emails, phone calls are met with rude employees who are not helpful. I regret ever having my mortgage with these people.

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Contacted Bank of America customer care on XX/XX/20, after discovering link to bill pay tab was down as I wanted to cancel a scheduled check that was still in process. 

When I inquired on why the full site and mobile apps for bill pay self service were down, staff handed off to three separate agents before landing with the last ( XXXX ) who read me a disclosure agreement after stopping payment on the bill pay check I could not cancel online because system feature was omitted. I challenged agent asking for escalation to a manager, as bill pay featured user options were modified by the bank to force users to utilize stop pymt to void a schedule check, rather than self canceling via self service. Agent claims my issue was being escalated, but could not provide an estimate in resolve for restoration on websites bill pay check cancellation feature. 

Today, XX/XX/20, I learned Bank of America reported my new bank card information to an online merchant without my consent and debited two current and two past paid in full installment purchases without my consent. I believe this back acted negligently by sharing confidential info to a third party without my expressed verbal or written consent. As a long standing 30 year customer of this bank I am outraged at the level of negligence in securing customer sensitive information. I am well versed in managing my financial affairs and require no assistance from BOA to facilitate funds to parties I solely have contractual agreements with, and strongly feel this bank has overstepped its bounds and also compromised my account by relaying new card information I had just activated. Please launch an investigation into these matters as soon as possible as this bank needs to be held accountable for the egregious, and self-serving revenue customer, arm twisting practices they are conducting. 

Thanks

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 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Today just a few minutes ago Wells fargo sent a letter to XXXX  and I will attach it. They didnt ask for more time there saying something totally new and false. I am not owed a refund and my truck sold for XXXX and I owed XXXX neither are true. I am starting to really wonder what is going on at wells fargo being they told you all 3 times today there still working on it. 
Lies

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 2020-09-18 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: 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 XXXX 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 2020-09-18 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: GA

Complaint narrative:
I sent in a police report along with a dispute letter about the XXXX XXXX account thats reporting on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: GA

Complaint narrative:
I sent in a police report along with a dispute letter about the XXXX/XXXX   account thats reporting on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On five occasions, Best Buy credit card attempted to withdraw money from my savings account even though the information they have is for my checking account. Their procedure is to attempt the withdraw 3 times, so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Best Buy attempted the withdraw from my savings account and I was hit with a {$34.00} fee each time due to insufficient funds since the funds were in my checking account. XXXX XXXX XXXX XXXX XXXX graciously refunded me half of the charges, however, Best Buy would not refund me the remainder. I added a different banking account at that time and paid my XXXX bill, and was told no payment would be attempted from the XXXX account. I also cancelled my autopay. However, in XXXX, they again attempted to withdraw the money from my savings account twice, on XX/XX/XXXX and XX/XX/XXXX and I was again hit with two {$34.00} charges. I spoke with XXXX with disputes and XXXX with operations ( XXXX ) and XXXX ( operation number XXXX ) who all told me it was not their fault and that they would not be able to refund me the fees.

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 2020-09-18 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: 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 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 2020-09-18 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: VI

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 2020-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
The XXXX XXXX made unfair charges without evidence for almost two years. 
They could not provide any proof for any damage. They sent two page inspection report after two years with any inspector company name or signature. 

The car was under lease in best condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: VI

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 2020-09-18 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 XXXX 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 2020-09-18 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:
I have disputed these fraudulent accounts with the credit bureaus and have provided filed police reports to show evidence of fraud, but the bureaus keep verifying the accounts. 

I demand a proper investigation to the supporting evidence and demand an immediate deletion. 

XXXX  has exceeded 45 days in providing a dispute response.

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