vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: TX

Complaint narrative:
Experian continues to abuse consumer rights as stated by FCRA law by placing fraudulent information on consumers credit files. On top of that they are writing false consumer statements again not made from me the consumer. I am a victim of identity theft. Experian opened account disputes unblocked XXXX XXXX XXXX XXXX XXXX account. Line of Credit that was opened at a fraudulent address, again Experian also stated I cant dispute addresses related only to this fraudulent address. In addition they unblocked XXXX XXXX XXXX XXXX accounts two credit cards. They put a consumer statement which again I never made or added. Stating my cards were used fraudulently without my authorization. Again this is abuse because I never added that statement since these cards were not ever received by me. I never got any credit cards from XXXX XXXX XXXX XXXX. Never even obtained membership there. I never added this statement. The account credit limit is discrepent to what this credit union is stating. These accounts are fraudulent and should remain blocked as they were only opened after the thief stole my identity. As stated I never opened these accounts. I never received any cards from these accounts. Never even knew these existed until I see them show up 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 non-monetary relief
Consumer complaint received 2019-02-26 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
The company XXXX XXXX XXXX XXXX reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify ....

This company has gone out of business and is not being ethical with its customers.

This has damaged my credit ... and I want it off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
An account was created in my name at SunTrust Bank. I've never banked there, have no desire to bank there. Each month {$10.00} in fees are assessed to this empty account. I have called and emailed and tweeted SunTrust but they refuse to or are unable to close the 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 non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: VA

Complaint narrative:
I am in the process of trying to refinance an existing car loan on a car purchased from Carmax, Financed through Carmax Auto Finance. The purchase of the car included an extended service warranty provided by Carmax through their 3rd party warranty provider XXXX XXXX XXXX. 

I inquired through Carmax 's call center if refinancing away from Carmax Auto Finance would void said warranty. One associate confirmed it would void the warranty and another stated it would not. Given that situation, I feel it is reasonable and prudent to confirm, in writing, whether refinancing will void my warranty or not. It should not void the warranty as I believe that would be in violation of anti tying regulations. 

I then emailed the exact message below to Carmax, they refused to respond in writing citing it was against the law to respond to a customer in writing and they dont have the ability to do so. ( I spoke to associate at approximately XXXX on XX/XX/XXXX @ XXXX XXXX XXXX - she confirmed an email response was not possible. I can provide specific name and extension if absolutely required. Would prefer not to directly implicate any specific associates who may be unfairly treated internally. ) Please see the email below which was sent to Carmax on XX/XX/XXXX, they've refused to provide a response in writing. 

____ Hi Carmax- Good Afternoon I have an existing Carmax loan ( Contract # XXXX, Date of Sale XX/XX/XXXX ) which I am considering refinancing. 

Before I refinance my loan, I want to confirm that refinancing will not impact my XXXX XXXX XXXX executed under Customer No. XXXX, Contract # XXXX, purchased on XX/XX/XXXX. 

Please confirm that this XXXX XXXX Contract will not be voided or otherwise impacted by the refinancing of my loan. 

In your response, please confirm that you are authorized to provide this information taking into account the loan is offered through Carmax Auto Finance and the Warranty is offered through XXXX XXXX XXXX. Should mechanical issues arise, I don't want to be put in a situation where one entity is disclaiming liability because another third party should have been involved in confirming impact to the warranty. If those entities need to be party to this information or decision, I would ask that appropriate steps be taken to include them. 

Thanks and regards, XXXX XXXX The remedy I am seeking through the CFPB is to have Carmax address my request in writing for my records given incorrect information was provided verbally by their call center ( initially ). I feel it is reasonable and prudent for me to receive confirmation ( in writing ) of impact to my warranty as a result of my choice to obtain more favorable financing terms away from Carmax Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC
State: KY

Complaint narrative:
I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
TIAA Bank has held on to my funds, in the form of a large check, since XX/XX/2019 and has not returned to me the said check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Columbia Recovery Group LLC
State: FL

Complaint narrative:
Received several aggressive phone messages stating that I needed to phone them immediately to be served for a lawsuit. Left message to call XXXX file # XXXX. Spoke with a XXXX XXXX she informed me that she was calling on a very old debt from 2012 of {$1200.00}, said they were prelitigation and they were going to serve me papers on lawsuit and with fees and all it would be {$4000.00}. Said I could pay debt in full, pay {$500.00} or make 12 payments of XXXX a month. When I asked for her to send me paper work she said they would have to charge me {$5.00} fee and would need a credit card to have on file to let lawyers know I am serious. Wouldn't take less than {$500.00} to settle and refused to give me a company address so I could verify it was a legit company. She had very aggressive manor and said they would sue me. She gave me the following number to call her back XXXX ext XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
I opened a checking account with KeyBank under promotion of {$300.00} cash offer with a condition that a direct deposit is made from an employer. Today, XX/XX/XXXX, I contacted KeyBank to check the status of the promotion after the direct deposit from my employer is made last Friday. They repeatedly say now they can't access promotions on their system. The call center rep keeps my call on hold for more than 45 mins, and does not transfer my call to her supervisor. 

By the time the call was transferred, I was informed that since the offer states they have until 90 days to push in the promotion, there's nothing they can do to act on it. We are talking about a bank that wouldn't hesitate to charge a fee a minute customer 's within fee charge schedule, but they would like to take their time when the situation is reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
Consolidated my loans upon graduation in XX/XX/XXXX, to Income-based-Repayment plan. Enrolled in Public Service Loan Forgiveness. Made years of payments, and was told I had only made 11 qualifying payments in XX/XX/XXXX. I challenged this over the phone four times, was told it took 90 days. Called in 90s days. Was told it takes 90 " business days. '' Called back. Was told " it just takes a while. '' It's now been almost 2 years, and no one will help me. I've made consistent, on-time payments for over 6 years, and my qualifying payments won't budge. No one will help me. No one is responsive. No one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: STERLING JEWELERS, INC.
State: NH

Complaint narrative:
I had an account with XXXX XXXX that became a charge off. In XXXX of 2018 I paid the charge off in full with the original creditor and was advised by the agent that it would reflect on credit as being a paid charge off. I have tried contacting the creditor and have filed multiple complaints with the 3 major credit reporting agencies ( XXXX, XXXX and XXXX ) with no luck on getting the information corrected. I have paid this and it should be reflected on my report that I have. As far as I am aware they are in vialation of the Fair Credit Reporting Act for every time they do not update the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller  XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2019-02-26 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 demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This company has my cell phone number, email, and physical address but they keep calling my work line every single day after i've asked them not to call my job

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. On XX/XX/XXXX Experian denied me the ability to dispute inaccurate information on my credit report. In my complaint, I indicated that a collection item is appearing inaccurately on your credit report. I requested to have the item deleted from your report. Experian has claimed to have previously conduct a reinvestigation, and contacted the data furnisher ( s ) for the referenced item ( s ) and asked them to verify the accuracy of the information with which you disagree. Experian claims have gotten a response and verified that the disputed information was accurate as reported on XX/XX/XXXX. 

I have not been able to contact the data furnisher they have listed and neither has the CFPB. I have enclosed a copy of a complaint which says that XXXX is not listed and the collection company says they too do not have any account open in my name. 

Experian please explain how you are able to contact this data furnisher and myself and this goverment agency can not? This account is not valid and is not mine and should be removed immediately as required by the FCRA 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 2019-02-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The company XXXX XXXX XXXX XXXX  reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify .... 
This company has gone out of business and is not being ethical with its customers. 
This has damaged my credit ... and I want it off my record.

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 2019-02-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In XX/XX/2018 I received a check from our insurance company, XXXX, in the amount of XXXX to put a new roof on our house. Because we have a reverse mortgage the check was made out to my husband and me and to XXXX XXXX, I had to send mortgage company the check to be signed by them and sent back to us for a roof. We never received the check back. They deposited it without my husband and I signing it. About the middle of XXXX I started calling the loss draft department once or twice a week and each time was given a different excuse. They even went so far as to tell me to have my insurance company stop payment on the check and reissue me another one. My insurance company said they could not do this because mortgage company had already deposited it. We still have not received the money back and have already had new roof and the company is still waiting to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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:
I have corresponded multiple times with the company EQUIFAX INFORMATION SERVICES LLC. I sent out my last correspondence on XX/XX/2019. The company has failed to respond to my verification disputes within the 30 day time period as today is the XXXX of XXXX and I am mailing out another correspondence to have these alleged items removed due to no response and " Silence Is Acquiescence ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.

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 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
I revived a medical bill and collections letter dated over a year now.

Company response to consumer: Closed with explanation