vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Afternoon, my name is XXXX XXXX, after applying for a loan today at my bank, I was informed by the loan officer that they could not process my loan application because my SSN was not showing on the Equifax credit report that they had pulled from the credit bureau. So the bank advised me to call the credit bureau to find out what was the problem. I called the credit company XXXX Equifax XXXX and the first person I spoke with after confirming my identity put me on hold and after 15 minutes or so another customer service representative answer the call and started the process all over again. After almost 30 minutes on the phone waiting for an answer I asked for a supervisor at first the representative didn't want to pass the call to a supervisor and them they let me on hold to the point that is an XXXX sec and I'm steel on hold! I have 12 companies reporting on my credit behavior monthly using my SSN but Equifax doesn't know why if a creditor pulls my information my SSN doesn't show and my name is using a XXXX  In the meantime my loan application is on hold because the credit bureau negligence ... ... .... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I applied for a checking account with First Horizon Bank on XX/XX/2020 and was immediately denied for their free checking. They use a system known as XXXX  to measure worthiness of banking with this institution and provide a score and report based off of several factors. The reasons listed from First Horizon that I was denied the ability to open a checking account were 1. TIME AT CURRENT ADDRESS 2. TIME SINCE NON-DDA INQUIRY ACTIVITY 3. ASSET OWNERSHIP HISTORY 4. NON-DDA INQUIRY OR RETAIL ITEM HISTORY. I immediately ordered a report from XXXX  to discover that there are few incorrect pieces of information on the report, but otherwise nothing negative. I was given a " wealth index '' score and scored low due to the fact that I own no property, I have no other derogatory marks. I called the local branch and asked them to explain to me why I was declined. The person I spoke with asked to see the reports and after looking couldn't really say much of what was wrong other than the line that says " non-derogatory marks '' which for me is listed as " 4 ''. I asked if non- meant something I am unaware of because non- to me means " not '' derogatory so I still did not understand why they were declining me for a simple free checking account. She ended up being over the conversation and said that she was sorry, due to their regulations there was nothing she could do to open a bank account for me. She stated directly to me that they do not serve customers who " have mismanaged their finances '' and who have " poor credit. '' I am not a person of color, but I am young and I have little wealth. Thus, this institution has determined I can not bank with them and they will not look at my personal situation and road to recovery to do so. I would bet a ton of money on the FACT that the majority of the people they decline would lie within certain regions, be of certain wealth levels, and include a majority of people of color. XXXX  goes further than a soft credit check and contains inaccurate information that is nearly impossible to dispute, the branch was unempathetic to this and as I mentioned, went as far to insult my past claiming it as irresponsible, and further denying me a chance to bank locally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a 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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dispute for transaction dated XX/XX/XXXX ; dispute involving services from vendor for cleaning/maintenance of unique luxury leather products ( 3 ). Services were disputed with merchant without resolution. 
Payment for contracted services was made when items were phoned to be completed. Upon pickup, and inspection, some items ( 2 ) needed re-service, and was paid in full at that time. 
Upon pickup for re-service, inspection found additional damages made to the items. Only resolution offered were additional re-service, which was declined due to damage from previous re-service. Requested refund ; merchant denied. 

Timely filed a claim with credit card company XXXX XX/XX/XXXX XXXX used to pay for services. Credit card company " lost record '' of initial claim. New claim was created ( XX/XX/XXXX ). Dispute went back and forth for Months, with " dispute resolution denied '' supposedly due to incomplete information provided in untimely manner. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
This 'late ' information describing the dispute in question was found by the dispute resolution team to have been timely, and the dispute went around again. This same instance of 'late presentation of dispute information ' occurred as error with the credit card company twice, delaying the ultimate resolution of the dispute, as processing takes up to 45 days. 
As of today XX/XX/XXXX, the credit card dispute resolution team states that they " can not verify the services in question '' although all information requested had been provided timely, and coupled with the delays in processing of the transaction being from XXXX, they ultimately denied the claim. 
In our opinion, we maintain that the credit card dispute resolution service that is a integral part of our credit card service, and our stated issues with goods and services purchased with our credit card which should be handled by said credit card dispute resolution team, thoroughly failed in their duty to uphold their promises to protect our interest in accepting services contracted for. 
Bank of America Mastercard Preferred Member

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX car was purchased, XXXX car was stolen, XXXX was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, XXXX lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX  has removed the loan from my credit report as well as XXXX  but Experian has yet to do so even with the evidence that it should be deleted permanently. XXXX or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Service of Nevada
State: NV

Complaint narrative:
Received a letter in the mail saying I need to call the company because I was in debt to my college. After this i called them and set up a payment plan. I then received a call on XX/XX/XXXX from a blocked number. This was the agent that I set up the payment plan with. I did not answer as I usually don't answer restricted calls. XXXX, the agent, then left a voice mail that i need to call her back not stating she was a debt collector. I tried to contact XXXX after work on XX/XX/XXXX after receiving a call every day of the week, but she didn't pick up. I left a message saying that i was not able to receive calls until after XXXX. XXXX continually calls at XXXX XXXX  after I have told her that I was not able to receive calls at that time. I find it extremely frustrating to get calls from a blocked number and constantly calling when i am working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Trans Union There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for One Nor WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for NOR WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX XXXXXXXX One of them has done 21 inquiries & NEEDS TO BE STOPPED Trans Union hasn't started disputes 30 days is up XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have filled for Florida unemployment and I didn't know when I filed I signed up for the Way2Go debit card. I was given Way2Go 's number but in order to access my card I need to have a PIN number. Since I didn't know I initially signed up for it, I don't have any PIN number or information of the card. I would like to be sent a new card, so I obtain access of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: AES/PHEAA
State: NJ

Complaint narrative:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I have requested a one main financial loan about 2 years ago, which Monthly installments have been paid on time since the loan was received. One main financial loan has been calling often to request information, even though the loan is being paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Received a call from SCS Webpay https : //www.synerpriseconsulting.com on XX/XX/XXXX for a medical bill from XX/XX/XXXX for {$95.00}. They refuse to disclose any information regarding this debt other than that I owed it. They refused to send me notice in writing or give me a chance to dispute the debt. They refused to give any type of debt verification. They were also rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
I had called on XX/XX/2020 and told them that it was a suspicious that someone withdrawn my account of {$510.00} on XXXX so I put a claim in and they suppose to send me some forms to filled out and send it back to them.. never received anything as of right now.. have been calling the past 3 days and always on hold for more than 3 hours to the claim department.. never reach a love person.. need to talk to someone ASAP..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
On XX/XX/2020, I was called from a spoofed number of XXXX and a voicemail was left that makes an implication of debt owed and that the call is an attempt to collect a debt. This called was also placed by an automated dialer for collection efforts which this company does not have consent to contact my phone number using automated dialing technology ( violation of TCPA ). This call was made to my phone number XXXX as well as my mothers cell phone number XXXX ( who is in no way attached to the claim and was located via skip tracing. The same voicemail was left on my mothers voicemail indicating a need for her to contact me and have me contact this office, again a violation of TCPA and now FDCPA. 

I contacted the office back and spoke with a representative who asked what my intentions with the debt were. When I advised I would like to review the matter further and may ultimately request to have the debt verified, he replied " So you aren't going to pay your debt '' laughed and hung up.

I called back and spoke with another agent who advised me they were a 3rd party collector, calling on behalf of another client. I again asked for additional information so that I could further review the debt and decide if I should request a validation of debt. He advised he would email me a letter and notate the file.

At no time did this company ethically or legally follow the collections laws established by FDCPA and also violated the TCPA in regards to automated calling efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We currently have 2 accounts at Regions we have tried make several deposit which have been declined. We have tried to contact Regions and keep getting transfer from depart to department and no answer is giving why the deposit have been rejected. Payments for the line of credit are automatically being deducted from the accounts and generated overdraft fee and monthly fees. We want to know why the are rejecting the deposit being made through the online banking when there were accepted for almost a year and have fees reversed.

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