vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Upon the termination of my XXXX XXXX lease in XXXX of 2020 I received single bill for the residual close out monies owed. I called XXXX and emailed them within a few days of this statement to clarify excess wear and tear on the car since it was in pristine condition upon return. I was informed there was a scratch on the wheel. I requested a new statement given the dispute. 

From XX/XX/2020 through XX/XX/2020, we never received another bill, statement, phone call, notice - and I assumed XXXX - wife and accountant settled the existing account even though I disagreed with the initial assessment. 

Upon applying for a mortgage this month ( XXXX ) I had no idea that XXXX was negatively reporting a delinquent account - severely affecting my credit - despite over 10 years of on-time payments and customer loyalty as a XXXX owner. 

I was never re-billed, contacted or notified that the account was still open. See credit history below. There is no 30 days, 60 days, or 90 days late notification at all. The monies owed was never an issue on affordability and as soon as I found out this was an issue I immediately called XXXX to settle the outstanding account. During that call I asked them to correct this reporting issue given the same discussion points raised in this communication. I also submitted a complaint on line to XXXX regarding the matter. 

In their lack of a fair reporting or notification process, you can see the damage it has done to my credit report and XXXX loyalty. Below is the image they are reporting to my credit agencies. I have tried to resolve this matter directly with XXXX and they haven't cared to or bothered to fix this error / issue. 

As evidenced through reporting to all three credit bureaus, it shows there is a definitive lack of a notification process for the consumer based on the dates XXXX is reporting. There should be a 30 day late, 60 day late, 90 day late before the major ones they have listed below. That is all that would have been required and had been requested by this consumer and the account would have been settled immediately. ( See attached png. ) I am requesting this single XXXX issue be removed from my credit history. The impact such callous indifference has on long time loyal XXXX customers is indelible but forgivable when they chose to do the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or about XX/XX/20 there was a XXXX purchase of {$19.00} to my card ending in XXXX, which I didn't make and I reported this to Capital One fraud department. They reversed the charge and ordered me a new card. 

On about XX/XX/20 there was a XXXX  purchase of {$44.00} to my new card ending in XXXX which I didn't make and I reported this to Capital One fraud department. Keep in mind that this happened while I was waiting for the new card to arrive. They reversed the charge and ordered me a new card. 

On XX/XX/20 there was yet another attempt to make a XXXX   purchase of {$9.00} to my card ending in XXXX. I reported this to Capital One fraud department. I am starting to feel that Capital One or someone affiliated with Capital is giving my my personal information out. I don't feel that my personal information is safe at all. I am not a XXXX  customer which is why I feel my information is being sold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted Transunion in regards to incorrect information on my credit report. They responded that they verified the information is accurate. They never did an investigation to prove the accuracy of this account. They never marked this account as " disputed by consumer '' on my credit report like they were supposed to. They never sent me a letter validating the information. Now they are extending how long this will reporting on my credit report which is illegal.

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 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I discovered that I had several very old medical bills sent to collection on my credit report earlier in the year ( XX/XX/XXXX ). I reached out to the collection agency to settle the debts. I made arrangements to pay for all 4 outstanding invoices and promptly paid the amounts. I was told that my debts were paid IN FULL and my credit report would be appropriatly updated. The following month ( XX/XX/XXXX ), another bill appeared on my credit report for the same amount previously paid ( this is the 3rd time a charge for {$760.00} was reported, I had already paid two bills both for {$760.00} ). I called the collection agency again ( XX/XX/XXXX ). And they said that the additional bill was added because they were only allowed to post 4 bills at a time. This did not sound right to me, I couldn't understand why another bill would suddenly appear when I was told the month before that all bills were paid in full. I paid 5th bill, reluctantly, becuase I wanted to have my credit repaired. Now, several months have passed, and after 6 months and after paying the 5th invoice totaling over {$2000.00}, another bill for {$620.00} which was also the same amount previously paid in the first 4 invoices, suddenly appeared AGAIN on all 3 credit bureaus. One credit report, XXXX shows 2 bills both for {$620.00}. When I called the collection agency again on XX/XX/XXXX, they said that these bills just arrived, yet they are dated XX/XX/XXXX & XX/XX/XXXX. I said how can bills suddenly appear from 6-7 years ago when I was told all were paid in full a few months ago? Also, the original debt holder, XXXX XXXX XXXX XXXX XXXX, is now I believe a closed operation. So how can they have sent over 2 bills over 6-7 years old when they're not even in operation? I saw hundreds of complaints online about this very same thing for both Commonwealth Financial and XXXX XXXX XXXX. Commonwealth gave me account numbers for these 2 bills that do not relate at all to the previous account numbers and I received letters of deletion for the 5 invoices I have already paid, but most letters do not make sense and just show zero due. 
I am convinced there is fraud occuring here as I do not recall having so many outsanding medical bills especially since I did have insurance during the dates of these invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
I am a victim of unfair business practices and negligence. SCA Collections is acting against my rights. they are also re-aging the following accounts : SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 
2. SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 

My demand is that they stop collection activities and send a notice to the 3 major credit bureaus for these 2 items to get removed from my report. this situation is making me pay high interest rates and stopping me from getting credit opportunities. 

Please send the attached documentation to the company. 

Thank 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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: UT

Complaint narrative:
I signed up for a Usbank checking account as the result of a solicited offer of {$300.00} bonus if I met certain criteria within 60 days. I met all requirements but Usbank refuses to honor advertised promotion even though Usbank states they have no doubt that I received the offer. There excuse is that the code wasn't included in the application even though the Usbank website stated the promo code would automatically be entered as I proceeded through application web pages. I contacted Usbank but they refuse to honor their terms even though I said I could provide screenshot of the terms. Correspondence can be provided and also can be posted publicly to provide proof of my claim and Usbank 's refusal to honor their promotion.

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 2020-09-16 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX XXXX has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX should have and could have withdrawn automatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX Bank has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX  should have and could have withdrawn automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I received two alerts indicating that my balance from Credit acceptance  INCREASED by {$290.00} and on XX/XX/2020 they also indicated that my balance increased by {$290.00}. This is NOT accurate. My balance actually DECREASED by that amount. 

I contacted Credit Acceptance DIRECTLY to ask them if they can correct the information and they advised me to file a complaint. 

This INACCURATE information had DROPPED my credit score by almost one hundred points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NJ

Complaint narrative:
I have notified Experian numerous time about unauthorized inquiries reporting on my credit report and they are still showing UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX  XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020XX/XX/2020

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 2020-09-16 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: PA

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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 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: NY

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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is for a coop sale of an apartment in XXXX, NY. My attorney requested the stock and lease from Bank of America, my mortgage lender, on XX/XX/XXXX. It is XXXX XXXX and the Bank has submitted an incomplete file. My phone calls get cut off ( one on XX/XX/XXXX after holding for 1hr48min! ). We need  either the stock and lease or an affidavit for lost stock and lease. I originally got the mortgage from Countrywide in XXXX, so in selling the mortgage to Bank of America the stock and lease were apparently lost. 

Attachments to this complaint document the complaint I filed with the New York State Department of Financial Services.

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 2020-09-16 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: U.S. BANCORP
State: PA

Complaint narrative:
I called numerous times for the last month in a half to have my relia card unlock. My card was locked on XXXX XXXX2020. I called and told them I was in Florida and they were supposed to put a travel exemption in so I can use my card and they didnt. They locked my card. They told me I need to send in a valid iD which I did over 5 times. Then they told me I needed to send in a Pennsylvania ID I did that as well and they still wont unlock my card. Every time I call to see whats going on they get rude with me and hang up. I was told it take 3-5 days to get my fax and its been way over that. I cant pay my bills or get my medicine because they have my card lock and they have all the information they need. I stay on hold for 3-5 hours only for them to keep hanging up on me.

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 2020-09-16 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: MD

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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