vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-02-23 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: IL

Complaint narrative:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX  payment history being reported inaccurately. 30 day late payment. Account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: IL

Complaint narrative:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX payment history being reported inaccurately. 30 day late payment. Account was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA

Complaint narrative:
In 2018 i had to vacate my apartment to reasons that i could no longer afford it. So the regional manager over the apartment said to pay her XXXX dollars and my 1 year contract would be terminated and so i did pay her the XXXX dollars and since then all of my older paperwork with those details were destroyed in a fire so i cant access the records to prove that my contract should be terminated. I know for a fact that the management group that was running the complex at the time were involved in several illegal acts at the time. Several other people that have previously lived in the complex had sued them for such accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Santander Consumer USA at XXXX XXXX XXXX, XXXX, TX XXXX has been reporting false closed account information in the amount of XXXX {$9000.00} ) the collection has been reported as XXXX balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: MA

Complaint narrative:
On XX/XX/21 I was in a car accident. The accident wasnt my fault. A deer hit the back of my lease causing around XXXX in damage. Please dont quote me on that number its based off of memory. The car was put in the shop. I got 30 day rental through my insurance. My 30 days is up and the lease wasnt fixed through XXXX. Now the body shop and dealership agree that the pandemic has slowed the delivery of parts resulting in me being carless. 

Now theyre expecting me to pay my lease fees, but wont accommodate the rental. I cant afford rent, food, and other bills plus the lease, insurance, and now the additional transportation cost. 

Ive tried to resolve this with XXXX and the insurance company but they just give me the run around. Theyre saying eachother is responsible and wont work with me to come to a reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent 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 2021-02-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
XXXX thought I was giving the person some money and the later found out it was a scam. I told Bank of America about and they said that cant do a thing about it. 
It started back at XX/XX/2021 and I last contacted the 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 2021-02-23 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX of Freedom Mortgage reached out to me to do a XXXX XXXX. I told her of my experience and she stated it would be different this time. After looking over the paperwork I decided to go ahead and go through with the refinance. I had went through an experience with them last year in regards to adding my spouse to the title work. The same issue arose and they told me that they could not add her. I had to resend everything again to have them add her knowing that they could and it would be easier to do it during this process. I went to scheduled on XX/XX/XXXX and they could not accommodate my request when I told them that I could not close on the date provided. The scheduling department kept trying to explain the process and would not let me pick my own notary since they could not accommodate my request which should be my right as the consumer.

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 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
I keep getting calls from Concord Servicing Corp Phone number XXXX. They are looking for a " XXXX, XXXX ''. I am not that person. I have called them and emailed them asking them to remove my number from their system and to stop calling me. They continue to call. Please make them stop.

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 2021-02-23 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/XXXX. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDUXXXX # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXX This is my only number XXXX All other telephone numbers are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MA

Complaint narrative:
XXXX pre paid debit card Bank of America was copied in a card reader and used by an unauthorized user 5x each {$1000.00} each time total of {$5000.00} OnXX/XX/XXXX XXXX all was atm withdrawals that i did not do. I made a claim with Bank Of America 3rd party prepaid and they refused to refund me my {$5000.00} they state I am liable for this. I have been back and forth for over 90 days and bank has denied me 3x times of any refund. This was all monies deposited by unemployment only in this account and no one is being held liable for this fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX, I transferred money from my bank of the west account to another bank and had the funds available. The transfer posted the next day but the bank charged a XXXX ATM fee from last statement cycle which caused me to go into overdraft. Not only I had to pay the XXXX dollar fee but had to pay XXXX on top. A bank fee should not cause overdraft fee but they refuse to help or they keep telling me I made the transfer after the fee which is not possible.

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 2021-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent 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 2021-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have been making monthly payments of {$1000.00} since XXXX XXXX {$120000.00} ), and had made smaller payments since XXXX. The original loan amount was {$67.00}, XXXX XXXX. To be clear, my loans have NEVER been delinquent or late. I should have had my loans forgiven last year as I have made over XXXX on time payments, and worked for two qualifying employers for now 22 years. However, the records from FEDLOAN Servicing incorrectly reflect that I do not qualify under the Public Service Loan Forgiveness Program. The two main errors the company is commiting are advising me that 1 ) " Your Payment Was Received Outside of Payment Period Window, and 2 ) " You Do Not Have A Bill Due For This Payment Period. '' I have NEVER been late with my payments, and in fact I prepaid the amount due for my loans so it is impossible for any of my payments to be outside the payment period window. Secondly, I have never had my loans under a forbearance or deferral so my payments should have been counted. Again I have made OVER XXXX qualifying payments and met all the criteria for qualifying under the Public Service Loan Forgiveness Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
There are accounts on my credit report that I did not consent to, I have mailed out dispute letters to resolve them with the credit bureuas directly however I am not getting the urgency needed to get these accounts removed. In my industry I have to ensure a positive report otherwise I could potentially face termination! I will not condone this much longer and will seek legal counsel if this matter isnt resolved within the legal time frame noted in FCRA. I do not believe things like this should even happen to people literally just trying to live a simple life and maintain a credible reputation!

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit inquiries on my report that was not authorized by me. I've ask for these to be removed and still nothing so next I will file a lawsuit

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 2021-02-23 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One stated to your agency ( CFPB ) under case # XXXX that they have resolved the issue. 

To date, no action has been taken and the credit bureaus have not received any notification. I verified this information with XXXX, which still has the disputed information on file and stated that they have not received any updates. 

Please resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: DISCOVER BANK
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CA

Complaint narrative:
XXXX XXXX stated to your agency ( CFPB ) under case # XXXX that they have resolved the issue. 

To date, no action has been taken and the credit bureaus have not received any notification. I verified this information with Experian, which still has the disputed information on file and stated that they have not received any updates. 

Please resolve this issue.

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 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: UT

Complaint narrative:
On XX/XX/2021, I sent an email to Novad Consulting to request a payoff quote and was advise that I would be receiving the payoff quote within 4 day But I never received the quote. I then called on XX/XX/2021 to confirm that my submission for a payoff request was processed but I was advised that no payoff request was on file, I then proceeded to once again request a payoff quote and again was advised of the 4 day timeframe. On XX/XX/2021 I once Again submitter a payoff quote to Novad And spoke to XXXX who assured me that I once again would get a payoff quote within 4 days. Ive sent numerous emails Two XXXX and have not gotten any response. On XX/XX/2021 I called Vovad 4 time waited on hold for 3 hrs and spoke to XXXX who stated that she did not have access to my account, I request a manager and was cold transferred to a female my the name of XXXX who kept repeating that she could not do anything but send an email to that department. I asked for the phone number to call The department direct and she said she could not give that information out, she then hung up on me and said I was finished. Reference call # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I pay my bills on time every month through my online bill pay. In XXXX I made a payment on my Comenity XXXX XXXX paying the balance in full. That payment was to be received by Comenity on XX/XX/XXXX. Today I received a statement with a {$31.00} late fee stating the payment was posted on XX/XX/XXXX. I have been charged a late fee even though my bank states the payment was pulled by Commenity on time XX/XX/XXXX. Ive had to call Comenity twice to get the late fee dropped. The first person I spoke to said there was nothing she could do other than issue me a courtesy {$15.00} credit and the next person said, you have to specifically ask for something? What?!!! Needless to say, I have paid off this card and now will be canceling it. This all seems very shady to me and makes me wonder how many people they do this to and get away with it. I would appreciate all your help in investigating these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX balance reported wrong both inquiries with XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX does'nt belongs to me. I've asked for these to be removed and you all refused.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX balance reported wrong both inquiries with XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX does'nt belongs to me. I've asked for these to be removed and you all refused.

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