vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC
State: MS

Complaint narrative:
This company contacted me threatening to take legal actions and also pretending to be an attorney. I was being harassed in a time I was a day out of XXXX  with XXXX XXXX in my XXXX. I was being told their a law company any I will be sued.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent all three credit bureaus a letter about my credit report on XXXX XXXX. I have not got any results. please look the letters. I've been trying really hard to pay my bills on time to get my score up but I believe my report was misused. please take a look

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I sent Enhanced Recovery Company a debt validation letter on XX/XX/21. They didn't send enough info to verify that I owe the debt. I ask them to fill out a form and that your claim can not and will not be considered if any portion of this one is not completed and returned with copies of all requested documents. This is a request for validation pursuant to the Fair Debt Collection Practice Act. They fail to compete my form and to provide me with enough info to validate the debt. I asked for the original contract I signed. they didn't provide it.I also ask for them to verify the debt for three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CO

Complaint narrative:
Ive had cash app for a long time, Ive never had an issue with it. Ive never mishandled my account to where security measures would have to be put in place! Ive sent money and received money from the same people consistently and Ive purchased Bitcoin and withdrew it to the same address! My identity was manually verified and I have the email still from when I was told I had full access to cash app features! Out of nowhere I sent a payment to my sister who is an established cash app customer as well and Ive sent to her multiple times before! It canceled every payment on me and since then any transaction Ive tried to do! Customer service has no answers other then if they detect anything out of the ordinary they will cancel a payment! I really cant imagine what is possibly are the ordinary from transactions Ive completed multiple times before the same person. The Bitcoin wallet will not allow any transactions either! Cash app support have no answers and they are no help they just disconnect the chat over and over! I could use other platforms and I have but the point is theres no reason why I can not use cash app! Ive done nothing wrong they have provided me no information that I have! Pretty much all I can do is add money to cash back out to myself buy bitcoin sell it to cash out myself thats it! They think its normal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: AFNI INC.
State: CA

Complaint narrative:
The following accounts were caused by FRAUD. I did not make any transactions relating to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
The following accounts were caused by FRAUD. I did not make any transactions relating to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Early Warning Services, LLC
State: NY

Complaint narrative:
XX/XX/2021 XXXX dollars XXXX dollars XXXX dollars the bank is working on the investigation and they might reimburse the money to my account I sent money to zelle and my account is linked with my bank card and this was from XXXX some one said congratulations you are winning XXXX dollars and I will give you this money but then he said you g he ave to pay these certain fees to my account officer XXXX XXXX and XXXX total of XXXX I made these payments threw zelle and I never got XXXX but the guy blocked me off XXXX I asked him once to return back the money he never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America customer for decades. It is my main account. I was laid-off recently and am unemployed and trying to start a XXXX. Id like to be a XXXX XXXX, but I believe Bank of America repeatedly and maliciously sought to structure and time transactions in order to charge me larger and larger fee amounts. These amounted to hundreds of dollars and put my account negative, whereas without the fees I dont think I would have a negative account balance. I called customer service in an attempt for leniency, but was denied outright. I think the representatives are paid in order to deny requests. It is very disappointing that this type of company was selected as the service provider for EDD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
In or around XXXX of XXXX I lost my job due to Covid 19. I started to fall short on funds so I contacted a representative from Credit Acceptances customer service department and told them about my job loss and falling hard on funds and they instructed me to jus pay as I could and they wouldnt be sending anyone out to repossess the car nor would it effect my credit profile. Months later Im caught up on all payments put have 7 late payments on my credit report. Ive contacted then several times even tried disputing through the credit bureaus and its still reporting on my credit and Im not really getting a clear response from credit acceptance as to why. Ive even recently sent goodwill letters to the company asking them to forgive me for my late payments and Im still awaiting a response. This is the only thing effecting my credit profile and holding me back from purchasing my home in XXXX. Even with this issue I still would recommend this company to others as it is a great way to build credit with an auto loan. Im hoping we can get this matter resolved promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: AL

Complaint narrative:
I was co-signing with a friend. The man who was assisting us took down my information and said he would be right back. When he came back he said no I couldnt do it. My credit score is too low. This is XX/XX/2021. They ran my credit 19 times. Thats ridiculous! 19 times on each of them!! You ever go to XXXX XXXX in Alabama, theyre is a dealership called XXXX XXXX. They are right off the highway. Thats XXXX XXXX the way they did my credit!

Company response to consumer: Untimely response
Consumer complaint received 2021-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2021-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is violating my rights per the Fair Credit Reporting Act ( FCRA ). I listed the ways below : 1. First, I have sent multiple letters to Experian disputing the bankruptcy on my credit report requesting them to provide a description of the investigation conducted along with who they reverified this bankruptcy with including the business name, address, and telephone number of the furnisher of the information as you have on page seven ( circled in red ) attached to this email. They have never sent any of the information per my request but on XX/XX/21 they still said that this bankruptcy is accurate. This is a violation per the FCRA. 

2. On my experian report page 8 ( circled in yellow ), Experian said they certified the information ( US BKPT CT PA XXXX ) as accurate as correct with the company that reported it and to review my report for details. On page 9 ( circled in red ), experian said this section includes public record items from courts that Experian may have obtained from a third party vendor XXXX. I requested and reviewed my consumer report from XXXX on XX/XX/21 but there is no bankruptcy on the report therefore Experian need to provide me with the source of this bankruptcy ASAP because they are validating my rights per the FCRA because they are not validating this bankruptcy debt on my credit report. Please do not reinvestigate but confirm the third party company that reported this to you and made you report this debt as accurate on the dispute results report # XXXX for XX/XX/21 on page 8 ( sheet attached ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: OK

Complaint narrative:
I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN XXXX XXXX AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EQUIFAX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
I AM XXXXXXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN ABUSIVE RELATIONSHIP AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXXXXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXXXXXX XXXXXXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO XXXX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, BERLIN WHEELER WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: KS

Complaint narrative:
I tried to finish my XXXX XXXX for XXXX XXXX and was unable to complete the work because no one provided me with the books for the classes so there was no way to do the homework or course work. So by the time I dropped out because no one would help me it was a little to late with some of my loans and pell grants. But I at least emailed them once a day and never received a response. I don't feel this is my burden to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: HI

Complaint narrative:
XXXX XXXX is reporting that I opened an account with them in XXXX and defaulted on said account in XXXX and that information is not true. I have never spoken with, been contacted by, or opened any accounts with XXXX XXXX. 

I reported this to Experian Credit Bureau and after 48 hours they responded saying the account meets FCRA requirements. They didnt do a thorough investigation. 

XXXX XXXX has a negative reputation for this predatory form of extortion. They are destroying my credit. My Experian score plummeted 85 points from this illegal reporting. From XXXX to XXXX. I have zero late payments on accounts and before they reported this false information, I had zero collection accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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: NV

Complaint narrative:
Account on my credit report have not being verified, TransUnion agents will not transfer me to a Manager or someone I can speak and look at the violations they are committing on my credit file. 
I have been disputing these accounts because they are not reporting accurately. 
USDOE /XXXX this account does not belong to me. I have checked with the company and they have no information of this account. Most likely it was a duplicate account. 

US Department of Education XXXX This account was charged off and marked as last day of activity XX/XX/XXXX but have day of last payment XX/XX/XXXX. Makes no sense.

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