vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-10-01 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: Army and Air Force Exchange Service
State: GA

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 have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Advanced Resolution Services Inc.
State: MS

Complaint narrative:
This company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am the trustee and executor for the estate trust of my parents who are both deceased. About ten years ago ( this is my best estimate ) I opened a savings account at Well Fargo, ( it may have been Wachovia at that time I do not recall with certainty ). The name on my checks for that account is XXXX XXXX or the XXXX and XXXX XXXX living trust. I, XXXX XXXX deposited {$60000.00} in that account on the death of my father, which was the proceeds of an insurance policy purchased by my father and for which I was the beneficiary. When my mother was alive I used that account to pay for day care for my mother who had XXXX. She has been deceased for a few years and now, many years later the bank has denied me access to that account, insisting that I provide a letter testamentary to get access to that account. I went to the XXXX XXXX Probate office on XX/XX/2020 to see if maybe I missed something when I had gone there after the death of my mother. Once again the probate office asked me if there were any assets that were not in the trust. The answer is No. This means there is nothing to probate, so they can not give me a letter testamentary. I have spoken to the Wells Fargo employee who works at their XXXX Branch. She is very nice, but all she knows is the letter testamentary, I am unable to talk to anyone at the main branch with some expertise in trusts and estates and hence I continue to be denied access to my savings account. I'm able to talk to my doctor, even to see my doctor if necessary, I am able to get my hair cut, but I am unable to even get a phone appointment with Someone at the main branch with some knowledge of trusts and estates. They just do not answer the phone there. I assume at least some employees are working because I am not reading about bank employees starving because they have no money.

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 2020-10-01 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: GA

Complaint narrative:
Experian and XXXX are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/2019 i walked into XXXX  of XXXX  XXXX  for a estimate. i was given two. for two different procedures. filled out papers for " payment plan '' no follow up or appointment were made, that was the end of that.XX/XX/XXXX i received a credit card XXXX XXXX XXXX. i called XXXX  office  and they said to go ahead and activate it. i scheduled an appointment that day for XX/XX/XXXX to get my XXXX  XXXX  for {$790.00} which was one of the estimates from the XX/XX/XXXX visit. before my XX/XX/XXXX appointment i activated the card and set it up for on line use. so when i looked at the statement online there was a charge of {$2500.00} for " merchandise '' from the XXXX  office, and paid by comenity bank, which posted on XX/XX/2019? without ever doing any work the XXXX  office  already paid themselves! i contacted the bank and they said they will fix it. i informed them that i was going to get my XXXX   XXXX  that day and the estimate was for {$790.00}. and after the procedure i was handed a receipt for {$790.00}. which happened to be the same paper as the estimate. anyhow after months of going back and forth between the XXXX  and the bank they did adjust the balance. still for a {$790.00} for work that they actually did do i still had a balance of over {$1000.00}. the statement from the XXXX  is so redacted only a charge for {$2500.00} for " merchandise '' is all you see. the receipt was for {$790.00} what was the over charge for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to Experian & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: MO

Complaint narrative:
Received collection notice from XXXX XXXX XXXX. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both XXXX  and XXXX. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both XXXX and XXXX. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: GA

Complaint narrative:
XXXX and TransUnion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
Collection Company : Alliance XXXX, XXXX, FL In XX/XX/XXXX there was a debt collected which I did not dispute and pais in full. I Noted that the address the originating HOA had on file was incorrect and gave correct address as well as permission to coordinate payment with my property manager. Neither happened. The HOA still has and address I have not lived in since XXXX, and collection company has that address and addresses I have never lived on file. A new account was sent to the same collections in XX/XX/XXXX. Collections did not email me until XX/XX/XXXX, and added around {$2000.00} in fees since then. HOA has also sent emails showing both companies had a way to reach me and chose not to do so. Collection company also noticed " duplicate charges '' on the original balance sheet, further highlighting incompetence. I should not be penalized upwards to {$2000.00} because both companies, especially collections, did not do their due dillegence to contact me. Especially because collection companies are notorious for excessive phone calls/contact, it seems this was a tactic to let the fees stack up before reaching out. 

When explaining what had happened, collections responded with " it is the responsibility of the homeowner to pay their debts '', I asked how am I supposed to pay when I received nothing about what I am paying, who I am paying and where to pay it, the representative interrupted me saying that if I continue to be angry she is going to hang up on me. When I asked " you are going to hang up on me while I am explaining that you are ignoring everything I am saying? ", again she interrupted, said " yes '', and hung up.

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 2020-10-01 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: AL

Complaint narrative:
This is an attempt to correct my XXXX XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$470.00} Inquiries XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-01 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: AL

Complaint narrative:
This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX XXXX {$470.00} Inquiries XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-10-01 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:
I never was late on payment to XXXX. XXXX   was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX office twice after move out. This is clearly retaliation by XXXX b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. XXXX  XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/Transuion.

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 2020-10-01 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:
I never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX  submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/Equifax rep & need resubmitted w/XXXX.

Company response to consumer: Closed with explanation