vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
Last year, I filled a request for deferment. FedLoan sat on the application for MONTHS but did not process it, resulting in late payments being recorded on my credit report. This is negatively affecting my credit score and in turn, is affecting my ability to get approved for an apartment. These late payments were at no fault to me, but due to the inability of the staff to perform their basic job functions appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I went to one of the Western Union location on XXXX XXXX in XXXX, NY for wire transfer money to my family overseas. I personally counted 3 times before the arrival of the location. I was also the only one who touched the money before gave it to the owner of that business. I handed the exact {$20000.00} in cash to the owner who runs this business. He took my money and secretly counted it by doing it in a blind spot of all cameras and didn't let me looking at it. He then put the cash into a cash counting machine after and told me that I only gave him {$15000.00}. That's {$4400.00} missing. I confronted him and wanted him to see if there is any miscount, but he insisted that this was the exact amount and denied that he stole my money. I called police then police checked the camera and told me that they couldn't really tell because the camera didn't catch anything due to he was hand counting it in a blind spot before put it into the cash counting machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: CA

Complaint narrative:
I sent in a letter to transunion on a bankruptcy that they have showing in my credit file. I requested an investigation in which it came back verified in XX/XX/XXXX. I sent out a letter to request their description of procedure on XX/XX/XXXX and I still have not received any information from this company, required under section 611 ( a ) ( 6 ) ( B ( iii ). I spoke to a rep at transunion and he notified me that they do not have to provide me with this information nor would he tell how it was verified. What he said was it was the federal courts who verified this information. Their website states XXXX XXXX  was the third party vendor for cases before  XXXX. Currently they are using XXXX to verify XXXX and later. I wrote a letter to the courts and also called them to clarify. They state that they do not verify or report information to credit bureaus. It is pulled from public records. This company knowingly gave false information to relieve themselves of their obligated duties to conduct an independent investigation into this matter. They also failed to provide me with their description of procedure and documentation that was provided to them that helped to verify this alleged bankruptcy showing in my file. I spoke with a rep over the phone on XX/XX/XXXX and disputed information again. No less than 24 hours the investigation was " complete '' with no results. The item still remains on the report so I am unaware of what happened in this supposed investigation. This company has a bad reputation of not properly handling disputed and incorrect information. ( Ref. Cushman vs. Transunion 1997 ). This company is very non compliant when it comes to upholding the laws.

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 2020-09-28 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$0.00}.

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

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

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- XXXX ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} XXXX -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: AmeriCollect
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). 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 2020-09-28 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: Riverwalk Financial Corporation
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-28 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: USCB, Inc.
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Made contact on XX/XX/XXXX by Phone ( XXXX ) XXXXLocal and ( XXXX ) XXXXFax. Also by email XXXX to Merchants Credit Association XXXX XXXX XXXX XXXX XXXX, WA USA XXXX with a copy of Dismissal without prejudice signed by a judge XX/XX/XXXX. The first representative stated it should be taken of asap, call back at XXXX. Return call, 2nd make representative stated he can't di anything he will leave a message for the case manager who I spoke to earlier. But he did confirm the receipts of the judge signed dismissal without prejudice. Make contact the next morning, when a female representative stated sharply that I still owe, so she will not remove it, and finally stated I had to call XXXX Write at XXXX the original owner, and very rudely concluded I can't help you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I contacted the mississippi Dept.of Human Services about my child support being reported as delinquit.The mother of my child has passed away.I informed this department XX/XX/XXXX th about this and they continue to bill me and report my child support as not being paid.they are deliberity fileing false information, and they think that they can not be held accountable.this agency has caused me financial harm with there handling of my stimulas check i never got, and the unfair credit reporting.All three credit reporting agencies are still currently reporting this negetive credit.DHS says i have to prove the death of my childs mother.i have no legal binding to the deseaced as they have and its not my responsiabilty to prove what they are in the service to do..that is child support.my daughter has not lived with her mother since the year XXXX.i can prove this in court.This Child Support Division does not help the children as my case here proves.They dont even know the childs mother is dead.what if my child is on the floor dying with no child support division watching?  what is there job? to ruin innocent fathers credit? they on top of that, but fall short on DEPARTMENT OF HUMAN SERVICES.Please assist me in correcting this matter.

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 2020-09-28 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I tried to pull all of credit reports on XXXX and I was not able to pull my experian report or my XXXX  report. 
Experian didn't even ask me security questions, i received this message : A condition exists that prevents Experian from being able to accept your request at this time. 

XXXX  did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free XXXX  Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: RI

Complaint narrative:
I tried to pull all of credit reports on XXXX and I was not able to pull my XXXX  report or my equifax report. 
XXXX  didn't even ask me security questions, i received this message : A condition exists that prevents XXXX  from being able to accept your request at this time. 

Equifax did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TX

Complaint narrative:
Complaint Against : Business Name : Capital One Financial Corporation Address : XXXX, VA XXXX Phone : ( XXXX ) XXXX I started a dispute through my credit card company, Capitol One. I was disputing a charge from XXXX XXXX  XXXX because our trip was cancelled by the airlines when World Governments declared COVID19 a Global Pandemic. Initially we were told by XXXX XXXX  customer service representative on XX/XX/XXXX that we could cancel our tickets and receive a refund due to COVID19, or that we could keep our tickets open and use them to go on our trip at a later date  BUT that even then, the tickets would expire on XX/XX/XXXX. At that time, we decided to wait to cancel the tickets until I was able to talk to my tour group and find out when the trip may be rescheduled. After that, everything shut down completely and I was unable to get any answers about when or if our trip would be  rescheduled so I called XXXX XXXX  XXXX again to cancel the tickets and request the refund I was promised if I chose to cancel. I have been unable to reach any representatives at XXXX XXXX  since. I will not be going any time before XX/XX/XXXX. I have tried requesting the promised refund online but was unable to complete going through the prompts to complete the contact request because my flight number no longer exists so you can't get through the system to contact anyone. I tried again XX/XX/XXXX and you can not contact anyone at XXXX XXXX  XXXX by phone or internet. I need help in getting my refund and my credit card company refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
regions bank XXXX XXXX XXXX XXXX XXXX took XXXX from my account i had a checking and savings i deposit XXXX i did a cashier for XXXX and another for XXXX gave it to XXXX XXXX XXXX to purchased me and my XXXX kids a home to call ours they cash my cashier check without giving me keys for the trailer my lawyer XXXX XXXX XXXX XXXX has copies of contract where the contract for trailer said paid and full XXXX XXXX XXXX XXXX, XXXX XXXX XXXX took my funds tried giving me a trailer i never pick i waited three months for a trailer i never chose they known for taking some customers money and keeping the trailer for them after this happen alot of fraud been going with my accounts checking and savings i should still get the trailer they played me with willing to give XXXX back alot but they cash out XXXX from me and tried giving me 8 sets of keys for a trailer that suppose to be ordered and me and my XXXX kids waited three months until they tried giving me and my family an awlful trailer that i never chosen and also they been having lots of fraudelent on my account i was unaware of i got into accident XX/XX/XXXX XXXX XXXX had XXXX XX/XX/XXXX had XXXX again XX/XX/XXXX on my XXXX  the XXXX  were out i deserve to have money into my account XXXX for my kids for when they would get into college i really been getting messed over im missing my XXXX out of XXXX   XXXX  XXXX XXXX XXXX me and my kids still not in a home i need my funds back can yall please help plus i waited three years for my settlement i got XXXX on highway in XXXX XXXX XX/XX/XXXX we deserve our funds im going to be XXXX XX/XX/XXXX life wasnt easy i couldnt work i had XXXX  XXXX XXXX XXXX i really need it back thanks my name is XXXX XXXX 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 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: OH

Complaint narrative:
Plus Four Inc Collections replied it sounds like a insurance issue as a smart remark. I have proof the insurance company just recently paid me to pay my medical bills. I never received any notice of the issue and plus four Inc Collections just hangs up on me when asking for a letter to me paying them that will remove the debt as paid and remove from my credit report all 3 credit bureaus negative impact. Also there should not had happen as to the insurance company was at fault not paying after i was the one in the XXXX car and in the car accident.

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