vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: KY

Complaint narrative:
On XX/XX/2021, I mailed a letter to Experian informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. XXXX was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. Experian failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. Experian did not indicate what steps it took to verify accuracy or fairness nor did Experian provide me with any documentation from either XXXX or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and XXXX are fraudulently attempting to collect a debt not owed. Experian is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.

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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: PA

Complaint narrative:
This account is a medical claim for which it was paid by my health insurance. There is one for XXXX $ and one for {$850.00}. I gave company ins.company name and this account was handled by insurance. Therefore this account does not belong to me anymore and I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I paid off my car note with Westlake Financial in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from Westlake that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why Westlake is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is 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 2021-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
HI AM UPSET THAT ON XX/XX/2015 XXXX XXXX WAS ON MY CREDIT. THIS COLLECTION IS NOT MINE AND I CANT MOVE FOWARD WITH MY LIFE WITH THIS COLLECTION. IT IS FARDULAENT AND NOT MINE. I HAVE XXXX KIDS THAT I AM TRYING TO MAKE A BETTER LIFE FOR BUT I CANT BECAUSE OF THIS. I NEED THIS REMOVED ASAP SO I CAN START MY NEW JOUNERY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I currently owe XXXX XXXX approximately {$1500.00} and Aargon Agency is listed on my credit report as the debt collector. I have called Aargon Agency to pay the debt but they claim that they can not take my money to satisfy the debt because they say it was discharged in a bankruptcy. However, I have never filed bankruptcy. I simply want to pay this debt and they won't let me, which is very odd.

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been calling three different numbers XXXX, XXXX and XXXX since last week. I even called early this morning just to avoid any traffic. NO ONE picks up!!!!! The app and website went through a so-called upgrade and honestly it doesnt seem that way because why cant I f easily locate where to access and download my statements??? Thats 's all I wanted to do since last week, but neither the app, the website nor the useless FAQs could help me. The option is not even there!!! Unfortunately this problem is not the first time Ive encountered it - I need my statements ASAP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Wrongly denied my fraud claim ( XXXX ) thereby not refunding {$3300.00} denied my appeal as well. I DID NOT MAKE THOSE PURCHASES! NEED MY $ BACK i NOTICED THERE WERE CHARGES I DID NOT MAKE ( AND AT STORES iVE NEVER SHOPPED ) SO I FILED A CLAIM ( XXXX - {$3300.00} ). IT WAS DENIED AND WENT UNPAID/NOT REFUNDED. I APPEALLED AND IT WAS AGAIN UNPAID/NOT REFUNDED. THE CHARGES WERE FROM STORES IVE NEVER SHOPPED OR EVEN BEEN TO. THEY SAY BECUASE OF THE TIMING OF THE PURCHASES AND THE FACT i LOGGED ON A FEW TIMES BEFORE REPORTING THAT THEY DENIED MY CLAIM. AS FAR AS THE LOGGING ON, I DO USE XXXX AND I HAVE MORE MONEY IN MY ACCOUNT THAN IM USED TO AND DIDNT NOTICE AT FIRST. THE FACT IS I DID NOTICE AND i DID NOT MAKE THESE PURCHASES, AND i REPORTED WITHIN THE TIMEFRAME THEY STATED IN THE LEGAL PRINT. WHAT GOOD IS A DEADLINE IF THEY SHORTEN IT ARBITRARILY. I JUST CANT BELIEVE THEY ARE DOING THIS DURING THE HARDSHIP WE ARE GOING THROUGH. I NEED MY MONEY BACK. BANK OF AMERICA, PLEASE STAY TRUE TO YOUR WORD AND REFUND THE FRAUDULANT CHARGES TO 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 2021-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a copy of the letter I sent to the manager at my local Bank of America branch, after having spent several months trying to get them to pay me the bonus amount as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX, CA XXXX Dear Sir ( s ), Ref : Advantage Bonus Savings Account Ending in XXXX I am writing to you with reference to the above account which I opened in person at your XXXX XXXX XXXX branch in XXXX, CA in early XX/XX/XXXX, as despite numerous visits to the branch, phone calls and emails to XXXX XXXX, I am still awaiting my bonus that was due at the end of XX/XX/XXXX. 
During the summer of last year, I received a promotional online notification stating that if I opened an Advantage Savings account and deposited {$20000.00}, I would in turn receive a {$250.00} bonus after 90 days. Initially, I tried to open this myself online but continually received an error. As a result, I went into the above mentioned branch and with the assistance of both Mr. XXXX and the branch manager ( XXXX? ), I opened the account and was assured that the {$250.00} bonus would be in my account after the 90 days. 
On XXXX XX/XX/XXXX, I transferred my {$20000.00} into the BofA Advantage account and there it sat until XXXX when I realized I had not yet seen the bonus. I went into the branch three times to speak to Mr. XXXX, I emailed him at least 6 times with no answer, and called into the branch. One time Mr XXXX did actually return my call and assured me that the money would be in my account after 14 days. That was in XXXX. The money never did show up and since that time I have continued to call to ask when I might receive it. Now the branch is temporarily closed, for how long I have no idea. 
As you can imagine, this is very frustrating. Ive been a loyal client since XXXX and could have earned interest elsewhere with my {$200000.00}, including XXXX XXXX, who at the time were running a similar promotion. Needless to say, I chose BofA as Ive always been happy with the service I have received. I am enclosing documentation of my attempts to rectify this, and would very much appreciate your immediate attention to resolving this matter. 
I look forward to hearing from you very soon. 
Best regards, 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 monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX statement was printed saying XX/XX/XXXX payment was for {$540.00}, I made a payment in XXXX and didnt go through and was charged {$25.00} NSF. Dont know what happened but wasnt my fault. On XX/XX/XXXX I made a payment with a representative confirmation number XXXX. I paid the amount due and {$25.00} NSF fee on XX/XX/XXXX within the month it was due. I than confirmed with the representative that took the payment that I ful-filled my mortgage obligation for XXXX they said yes. But they put my payment under Unapplied funds and reported to credit bureaus I was 30 days late. This isnt true and can see I made my payment obligations in the month of XXXX for the amount due and along with the incorrect NSF fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc.
State: PA

Complaint narrative:
This account is medical. Amount is {$3400.00} as of XX/XX/XXXX. This account was paid by the Florida XXXX insurance. I tried to reach out to them but never received an answer. Upon looking over my credit report this collection showed on it. Now this account was paid. I want it removed from my credit report. Then I looked at another report from XXXX  this account came up. And with a different amount owed!!! Now I disputed it and yet to get this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX. 
A Hard Inquiry Was Done Through XXXX, About A Walmart Credit Card That Was Applied For In My Name. I Have A Card Already With Walmart. 
XXXX Notified Me Through A Phone Call. I Told Them I Did Not Make This Request, They Cancel The Application In My Name, Was Told To Do A Fraud Complaint With Your Company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Account # : XXXX Just wondering the reason as to why this account is still showing up on my credit report, also see attached. 

This account is a dead trade line and is over XXXX years old. Could you please see that this account is deleted from all the credit reporting agencies that you use. 

Thanks 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 2021-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and Transunion are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2021 I made 3 deposits into the Navy Federal Branded ATM with the first transaction being recorded at XXXX for {$2000.00}. The second transaction was recorded at XXXX for {$3800.00}. The third transaction was originally for {$1200.00}. The machine returned 3 - {$100.00} bills and then asked me to confirm a deposit of {$900.00}. The third transaction for {$900.00} was not accounted for in my account while my ATM Debit Card was inserted into the machine the entire time. 

I called the fraud department on XX/XX/XXXX and filed a dispute because they did not show the 3rd transaction on their end. I was told by the fraud representative that the atm was " full '' from the holiday and he advised that I should not use the atm machines for cash deposits. I submitted the dispute and was advised to go into the branch. 

I went into the branch the following week and spoke with XXXX, the assistant branch manager, who advised me he would check the camera footage and investigate into the matter. 

XXXX called me back to tell me he saw all the details on the camera footage and corroborated everything I said happened after he reviewed it. He stated he saw me perform each transaction, saw the money being returned and even made a comment about the stack of money being so small that there was no way it was {$900.00} that was returned, and that the atm count was correct so they didn't have my money accounted for. I asked to investigate the individual transactions. They will not confirm this has been done and every rep Ive spoken to does not know how to obtain the information. 

I was called back by a Supervisor named " XXXX, '' who is the XXXX person Ive had to speak with this far on XX/XX/XXXX. She advised me that the branch had looked into it and no money was recovered. She advised me that the branch manager, XXXX, had stated he wasn't able to see the camera footage clearly which is not what he had said to me before. I was told there was a " count out '' done on XX/XX/XXXX and Navy Fed is unable to confirm how that count was done because there is no notation on my account in regard to the process they followed to complete the investigation nor any other notation for investigating after this " count out '' was performed when I requested for this to be looked into further. 

I am on Navy Federal Camera footage completing three individual transactions consecutively. Two transactions are reflected on my account. Navy federal has concluded the investigation and is telling me there is no money and therefore can not deposit the money they can not find that I deposited into their branded atm at their branch location on XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERNST, ARTMANN AND ASSOCIATES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, Ernst, Artmann and Associates reported a collection account for XXXX XXXX in the amount of {$430.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to Ernst, Artmann and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Ernst, Artmann and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Ernst, Artmann and Associates has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Ernst, Artmann and Associates is not a licensed collection agency in the state of Florida ( see attached ). Additionally, they have violated multiple FDCPA laws. Ernst, Artmann and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I made a purchase for XXXX from curveous boutique. On XX/XX/2020 the mail carrier mis delivered my package. I went to the post office letting them know I never received the package. The post office told me to contact my bank which I did. The bank is telling me someone signed for the package a XXXX XXXX i explained I am not XXXX XXXX and I dont know who he is, later I found out it was a fill in mail carriers name. I have been disputing this since XX/XX/2020 with no resolution. I finally got a letter from the post office explaining I never received the package, after tracking it they realized it was delivered to XXXX instead of XXXX the bank told me its too late to get my money because of the lapse in time. I expressed to them that it was and ongoing investigation and that I had no control of when the post office would send a letter explaining meanwhile that XXXX made my account negative which then caused many things to be negative experiencing a XXXX additional fee. For each negative transaction I have never been able to get ahead after that. My son was murdered XX/XX/2020 and I havent been able to work my money is limited this charge has caused stress and anxiety because of the over drafts I have been behind because of that one transaction. Im Grieving and without working, money is extremely tight, because of that one transaction its made all my furture transactions become negative too Im currently out on disability ( after I lost my son ) I dont have money like that anymore it has been a struggle. Many may not be affected but XXXX has been tough to recover from. Please help, thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: Regional Management Corporation
State: SC

Complaint narrative:
In XX/XX/XXXX i was notified that Regional Finance reported to the credit bureaus that an account that is paid off as having a balance of {$1100.00} and 30 day late remark. That IS NOT TRUE! I paid this account in full on XX/XX/XXXX, I have bank statements showing the funds deducted. Ive received the title for the vehicle I paid off. The company had already updated the account to a XXXX balance and payoff date to the credit reporting agencies. This company has violated the Fair Credit Reporting Act by reporting this account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
I have been calling and going online to Experian for day 's now to see where I can report an updated document from XXXX XXXX XXXX my lender so submit the document that is the history of my loan repayments for the last five years so it reflects my payments to the credit bureau. 

I paid for an Experian membership and there is no where to submit my request online. 
Customer service has little information to help me with my request.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.

Company response to consumer: Closed with explanation