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: 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: CA

Complaint narrative:
On XXXX 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 from 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 card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since the beginning of XXXX I have been collecting unemployment through the EDD.  Every time I go to withdraw money my account is locked or restricted. When this happens I have to call customer service to have it unlocked. It almost feels like I have to ask permission to access my funds every time I need access to them. XXXX, XX/XX/2020 at XXXX XXXX., I tried making a withdrawal of {$300.00} from this account only to find that it is restricted again. I got in contact with customer service where the first CSR who spoke with me. She mentioned that there is no reason why my card should be locked or restricted and transferred me to the fraud department. While giving my information to this department they transferred me unexpectedly in the middle of a sentence to a department that is not open and was disconnected from the phone call. I called back and was told by a second CS are that there is no reason why my account should be locked. The debit card I have is new and hasn't been used and this is the first time I am using this card. They then connected me to the fraud department again where they said they can not do anything and I must call the closed Department that I was originally transferred to where the phone call disconnected tomorrow morning at XXXX XXXX. eastern standard time. I need access to these funds because of an emergency and have to take someone to the hospital. If this person dies because of this reason it's going to destroy me. What they are doing is unfair, unprofessional, and I'm pretty sure its illegal. I called back a third time where a third CSR told me there is no reason why my account should be locked and I should have all access to my funds. He then said that there is nothing that they can do on their side and transferred me to fraud again where the person I spoke with did not say anything or do anything and hung up on me. At no point did I use profanity or slander the individuals I spoke to but I did profess that I was upset with this situation. I even told them that this is an emergency and need access to my funds. Even my online account can not be accessed and they won't tell me why. I am in fear for this person who needs a doctor and I am extremely upset that the banking system feels they have the right to do this to me. I would like to press charges to the fullest extent of the law to make sure that this banking institution doesn't do this to another person again.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX 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 from 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 equifax data breach and may have got into the hands of the wrong person.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2020 I mailed out letters for each dispute for many accounts on my report via regular standard mail. Upon checking my online portal about 10 days later, I noticed that there had never been an investigation reported and opened. SO, assuming there was a delay with the system being updated, I patiently waited another 5 days and to my shock, there was still no mention of an investigation and I had not received anything in the mail. But this comes as no shock I guess because this isn't the first time I have tried to resolve issues and went unheard before. Anyway, On XX/XX/2020 I decided to send a follow up letter certified USPS with tracking number XXXX XXXX XXXX XXXX XXXX, requesting the accounts that were inaccurate and unverified be removed. And instead of opening the investigation, on XX/XX/2020, Equifax sent a letter stating they could not locate my file, however they mispelled my last name which I believe was intentional because that is not what I sent in. Furthermore, even though my ID and W4 was included with each dispute. It seems this is always a stall tactic when they have lapsed the allowable time by law. I just don't understand why I am being denied my consumer rights per the law. 
The accounts included : XXXX XXXX XXXX {$5400.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$170.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX {$4000.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$4600.00} ; XXXX {$74.00} ; XXXX XXXX XXXX ; XXXX XXXX {$810.00} ; XXXX XXXX ; Federal Court # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have no recollection of this debt. They used to be LVNV Funding but I guess they went through bankruptcy, so I don't know if I would still owe a debt. now the company name is Resurgent Capital Services and there is no option to make a payment, no account number listed, and no amount of debt listed that I owe. All that is listed in my email. I would like to get this debt account removed from my credit file asap.

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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
There were a couple of disputes over false reporting from Credit Acceptance Corporation and after an investigation, the information was verified as accurate. However, after carefully reviewing all 3 bureaus the information was not only inaccurate but also inconsistent. The account was written off as a bad debt in XXXX and there had been no activity since that time. When the account appeared on my credit report as 120 days delinquent in XX/XX/XXXX I was baffled, because this was a charged off account, so therefore it shouldnt have been reporting a payment history. The reported balance was also incorrect. I settled the account in full in XX/XX/XXXX. Ive included a discrepancy in the reporting from 2 bureaus. How can the information be accurate if its inconsistent?

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 — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I was charged an extraordinarily high cash advance fee of {$10.00} on a transaction of about {$100.00}.

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 — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was refunded {$1300.00} on XX/XX/2020 from XXXX XXXX.. 

The credit card company Capitol One will not credit my card.

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

Complaint narrative:
On XXXX XXXX I sent a letter out to Debt Recovery Solutions about another account they was supposed to do a debt validation on. The company resolved the first account deleted it ; but the second account they never followed up on or validated the debt but they are still reporting it to credit bureaus. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and return with the proper documentation but the company never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, XXXX XXXX/XXXX incorrectly reported a past due balance of {$100.00}. The remaining balance of {$37.00} on account in question was paid off on XX/XX/2020. I requested this discrepancy be corrected, but have not received any further assistance with it.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to get my free annual credit reports on XXXX  from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX report. Equifax and XXXX  'XXXX  links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both Equifax and XXXX. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have contacted this company multiple times. The insurance company has contacted them as well. This debt was covered by insurance and is not owed. Opened XX/XX/2019. It has been removed from XXXX  but transunion is still reporting it

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: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have written and mailed in letters to this company regarding my college attendance. The status of the loan reported on the credit report is incorrect it should not be delinquent it should be current or deferred I have not received any communication back from the company no correction has been Made on this account by the company. I am currently attending college and would like the credit rating to reflect current not delinquency.

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 — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
RE ; XXXX  XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 XXXX XXXXXXXX XXXX CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent student and hardworking as I was also a victim of identity theft when my car was stolen in LA last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
, I'm writing in regards to my concerns of being upside down financially in my XXXX.

Ive had 3 XXXX 's I've experienced and this is my third. 
I had a salesperson by the name of XXXX at the XXXX dealership on XXXX XXXX and XXXX in Arizona and he basically took me out of my XXXX Lease of the brown XXXX and put me in the XXXX red XXXX. 

We went over pricing things of that nature and how the leasing was different than the purchase. 
However, he never explained that there was going to be an absorption of cost from the lease to a purchase.Instead of the cost being XXXX used rental from the dealership Im upside down of XXXX from the lease that was in my name. 

I work as a Independent Consultant for XXXX XXXX and due to the pandemic we are going thru a reorge reorganization and I found this week. 

So I don't know what other options you can offer me I am in the verge of filing for bankruptcy chapter XXXX in by next Friday. 
I thought you couldn't get a resolution based on my last conversation with customer service. 

I just need to figure some things out.. I feel like I've had to struggle with the car and he put me as a predatory lender in a car that he's no longer even with the company and just for a sale and I've had the car now for two and a half years. 

I would love the option of maybe leasing again possibly or voluntarily surrender /giving the car back. 

I wanted to inform someone of the misinformation the miscommunication that was presented to me to put me my current car financial situation. 
Please advise of my next steps to do. 

Sincerely,

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 — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
RE ; XXXX XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 SPEEDY CASH  3 CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent XXXX  and hardworking as I was also a victim of identity theft when my car was stolen in XXXX  last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to get my free annual credit reports on XXXX from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX  report. XXXX  and Experian 's links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both XXXX  and Experian. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX and XX/XX/2020 I fell behind on my car loan payments. 
XX/XX/2020 I received assistance from Wells Fargo COV ID relief program which brought my loan current. 
XX/XX/2020 my car was repossessed in XXXX XXXX while I was present breaking Governor XXXX 's Stay At Home Order and also causing a Breech Of Peace. 
XX/XX/2020 Wells Fargo denies ever receiving a request from me for assistance. 
They respond with they have been calling me. 
They sent me payment reminder emails 2 x a month up until XXXX which clearly coincides with me accepting assistance in XXXX. 
XX/XX/2020 I ask Wells Fargo if they can help me and they advise me they will cover all repossession costs which total XXXX for COV ID relief. 
XX/XX/2020 they issue a NOI statement demanding the back payments with the repossession included. 
XX/XX/2020 I recieve an email from Wells Fargo saying they will honor the XXXX but will not change it on the NOI statement therefore forcing me to pay the repossession fee. 
XX/XX/2020 after paying an additional XXXX that should have been applied to my loan I recieved a letter from Wells Fargo indicating that my loan was at default for stop payment on a check that Wells Fargo lost and was also advised of a reissuenice, but decided to cash anyway.

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