vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a Capital One credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling Capital One they said to contact XXXX  which I did. They notified me that Capital One never responded to dispute so they legally could remove the card. I called Capital One two more times even speaking to supervisor and they confirm responding to XXXX. 
Also XXXX  said to just tell Capital One to report and we will add back. Capital One did report on XX/XX/XXXX and XXXX saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and XXXX  is in no way helping. They are being reported to as other agencies are getting the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax refuses to give me a free credit report. They are trying to sell products on the website and will not give me an online report like the other two credit bureau. They have a form for submission ; however, the information they want is prohibitive, equivalent to applying for a mortgage. I need my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
After the heater went out, a repairman began unraveling the issue. There are ENORMOUS electrical issues within this vehicle. These would have been easily seen if the vehicle went through a standard inspection. There is a laymans remote starter installed, bare wires and poorly covered working. 
The dealer knew or should have known of this condition. The pressured sales tactics lend me to believe they knew.

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 2020-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
I want to report multiple violations to my rights as a consumer, that Discover Financial Services is committing. The account that is the following : Account # XXXX, opened date : XX/XX/2016, limit : {$200.00}. This item must be removed from my credit reports, and I am going to explain why. 

Discover Financial Services is committing multiple violations to the California Credit Reporting Act. 
1. Discrepancies across bureaus : - Reporting different last payment activity. 
- Reporting different amount of late payments across bureaus.

- Reporting different account status.

- Reporting different highest balance across bureaus.

- Reporting different date of last payment.

2. Reporting incomplete information : - Missing closed date on a charge-off account. 
- Missing payment history. 

I am demanding a fair solution for this issue. I want a deletion letter and this item removed from my credit report. If this doesnt happen, I am willing to take this case to federal court. I have spent XXXX dollars in legal advise, and Ive been affected emotionally because of this issue. 

Please send the attached documents to Discover Financial Services. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: EQUIFAX, INC.
State: PA

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 haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been trying to open an account in different banks for more than 1 year and they won't let me say that I have something negative in the reports of the bank bureaus. 

I really do not know exactly where the topic comes from, however, the one who closed an account on one occasion was Bank of America due to a suspected fraud. 

There are two or three big banks that have special " Second Chance '' accounts and they also deny them to me. 

If this comes from Bank of America it is very unfair what is happening because I remember that someone deposited a false check in my account and I do not remember the amount at the moment, but less than 5K but they did it in another city I think I remember what happened in XXXX But I never used those funds because I told my bank executive myself that I was not expecting that deposit, I never knew who did it, they simply closed my account with no option to defend myself. 

But if this is the reason that they do not open accounts, it is very serious because it was not my fault, rather I should claim BOFA as it is that someone I do not know can make a deposit in my account without my authorization and be me the great injured.

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 2020-04-30 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: TN

Complaint narrative:
I took a look at my report and there are fraudulent accounts displaying on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Spoke with XXXX  company regarding this discrepancy back on XX/XX/2020! I was asked.to submit dispute and I was assured it would be removed as a repossession to open and paying off remainder balance due to a total loss ( vehocle accident ) for which insurance paid theur part, GAP paid their part and I paid off balance as of XXXX. All the time making payments since XXXX it shows as a repossession and has prevented me from getting another vehicle. Company shows it repossessed but it NEVER WAS REPOSSESSED!!! I need all this to be taken care of as I need a vehicle!!!!! If I was late then mark it as that but never a repossession when it wss never that!!!

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 2020-04-30 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: Experian Information Solutions Inc.
State: PA

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 haven't 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 2020-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), XXXX ( {$720.00} ), Capital one ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to Capital One in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from Capital One stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her Capital One card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to XXXX in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from XXXX stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of Capital One and XXXX. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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: PA

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 haven't 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 2020-04-30 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: TN

Complaint narrative:
I took a look at my report and there are fraudulent accounts displaying on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TN

Complaint narrative:
I took a look at my report and there are fraudulent accounts displaying on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: FL

Complaint narrative:
XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX  and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to Transunion, XXXX, and XXXX  30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.

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 2020-04-30 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:
XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.

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 2020-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I processed a payment online for my BMW and they gave me an ERROR when i submitted the payment initially and when i went back to see what occurred the payment said failed to process and did not gave me a confirmation. I did the same process again and this time it worked and gave me a confirmation but i noticed a few hours later that my banking app showed 2 deductions of {$1200.00} so I called BMW and they said NO we only charged once. I thought it would clear itself up next day but it didn't so i called my bank and reported it because they saw that it was 2 deductions indeed!

I called BMW again and this time a guy told me yes, there was indeed a double charge and i had to email them PROOF, which i did RIGHT AWAY. 9 begged them to hurry because they literally tool tqo payments at once! At a horrible time like this this has devastated me and I have been unable to make my other bill payments because of them! Im so FURIOUS as I have written 3 emails to that same department and NO ONE at BMW is getting back to me and no one at XXXX XXXX XXXX XXXX or BMW has RETURNED MY MONEY!!!! I am literally living on the few hundreds bucks i have left, shame on you both! No one has reached out or responded and I was told that it would be hurried because I expressed that this was NOT my fault and two deductions were NEVER authorized!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), Discover ( {$720.00} ), XXXX  XXXX ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to XXXX XXXX in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from XXXX XXXX stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her XXXX XXXX card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to Discover in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from Discover stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of XXXX XXXX and Discover. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I gave boa {$3000.00} to secure a credit card in XX/XX/2019. 14 months later they have not returned the funds. Lying cheating thieves, this has been voiced in previous complaints. So far cfpb has done NOTHING.

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 2020-04-30 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: Midwest Recovery Systems
State: SC

Complaint narrative:
I had an old account with XXXX XXXX XXXX and Mid West Recovery Systems. I contacted both of the agencies and settled to pay my bills in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: Nelnet, Inc.
State: CO

Complaint narrative:
On XX/XX/2020 I was notified thru credit cards that my credit score had dropped roughly 240 points. I proud myself on my credit rating. It was identified that I was reported by Nelnet student loans that the reported me being 90 days late on payments. I was current and called Nelnet the following day. The customer service rep said I have been notified as current every month and that I would need to report this to every individual credit agency. I have a late payment on my mortgage which I disagree with but I will except. I have had a credit score over 740 for as long as I remember and want this taken care of. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: FL

Complaint narrative:
XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to XXXX, Equifax, and XXXX  30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.

Company response to consumer: Closed with explanation