vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 44 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states 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 44 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
I received an alert today from Experian telling me that my scores dropped by over 60 points! When I looked into this issue there appeared a collection from a company I never heard of called XXXX. Once I was able to find out who XXXX was I realized that they were collecting for XXXX XXXX. I personally have never had an account with XXXX XXXX so I have no idea why they are on my credit report. And the bill is only for {$52.00}!!! I am contacting XXXX and XXXX XXXX right now to demand that they remove this from my credit immediately. I am trying to buy a new home and a car within the next few weeks. Obviously 60 points is a big deal to me right now!

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted Experian by phone mutliple times at two different numbers to lift a security freeze. 

- XXXX XXXX - XXXX XXXX After navigating a long phone tree my issue is not resolved. Instead, I am directed to write a letter or lift the freeze on the website. You are not able to speak to an agent on either of these phone numbers. 

After making the request on the website I received the following message : 'We were unable to honor your request to temporarily remove your security freeze based on the information you entered. ' With a request that I should mail in a request. 

I have been able to provide a pin at each juncture in the process. 

I am trying to get power turned on for my new apartment. I have called XXXX XXXX three times and they will not proceed without a credit check with Experian. When I attempt to set up an account with pin the transaction fails. I will be without power until I can get this freeze lifted.

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 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX-21 I had a deposit of {$19000.00} from sba for my ppp loan the bank deducted a little over {$1500.00} for overdraft fees and then they froze my account now I can't access it at all, how are they allowed to access my money and I can't? I'm close to loosing everything, I sent in all the required documents and still nothing I've called every number associated with capital one and I can't get anything they will give me a time frame or anything I really need help please all I've been able to get from capital one is bullying its heartbreaking the amount of sympathy they give when your going through such hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AL

Complaint narrative:
THIS COMPANY HAS BEEN CALLING MY NEIGHBORS PHONE HARASSING THEM ABOUT A DEBT THAT IS NOT MINE. XXXX IS CHARGING FOR EVERYTHING BUT WHAT I ACTUALLY OWE THEM WHICH IS NOTHING. XXXX TOOK ME THROUGH XXXX VIA THEIR ONLINE SERVICE.I SIGNED UP TO BE A CUSTOMER ONLINE AND IT WAS A DISASTER. THEY SENT ME 4 SIM CARDS ... HAD MY PHONE NUMBER MESSED UP 3 TIMES. I HAD TO GO IN THE STORE AND TRY TO GET THINGS STRAIGHT. IT WAS A MESS AND NOW THEY HAVE SENT HIS COMPANY OF LIARS AND THIEVES AFTER ME TO HARASS MY NEIGHBORS AND ME ABOUT AN AMOUNT THAT I DO NOT OWE!! MY NAME IS NOT EVEN CORRECT. MY NAME IS XXXX  ... .I NEVER SHORTEN MY NAME. THAT IS DISRESPECTFUL. STOP HARRASSING ME AND MY NEIGHBORS

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 2021-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I booked a trip on XXXX. When I got my itinerary, I saw that they had changed my airlines. As soon as I saw the discrepancy, I started to try to contact all parties involved for up to three days, then on the fourth day, I filed a dispute with my credit card which is Capital One. They filed it, but they were told the tickets were non refundable. It would have been fine if I had booked this but I did not choose what I was given. The trip was not planned until XXXX, so it is not like I canceled at the last minute. Well both airlines refused the claim and told my credit card to tell me to just accept the flight credit. This is not acceptable since I did not choose these two airlines but neither airlines nor Capital One will listen. XXXX XXXX basically told me they have taken my money and will not let me fly and Capital One said that it is too bad. Now the Spirit airline is saying I have a flight credit, which I do not want because they dont even fly out of my area, but it has been a month and a half and I still have not gotten anyone to talk to. Capital One tells me that is too bad. The first flight money I lost was XXXX bucks and the one I trying to dispute with no luck is XXXX bucks. I do not think I should be stuck with this but the company will not do anything else, nor can I get anyone on the phone that knows what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I previously filed a complaint on Santander Consumer USA for not complying with FCRA regulation in regards to reporting to credit reporting agencies they maintain under my SSN. Although they have provided insufficient information through CFPB, they have failed to respond to additional information I have requested via Certified Mail such as : - Not applying payments to the original amount financed - Incorrectly reporting the terms of the loan agreement to credit reporting agencies - Refusing to change my address on file - Not responding to my request for information in regards to the repossessed automobile I financed with them as per the State of California and UCC 9.506 as well as State RISA and MVISA statutes, as stated : " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemptions and cure time limits were adhered to. '' I have allowed them plenty of time to respond to my letter certified mail to them on XX/XX/2020 considering the difficulty they may have faced because of the current Pandemic situation, however, I have not received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I purchased a vehicle with VIN # ending in XXXX from XXXX and opted for financing through Bridgecrest. 
My very first payment was due on XX/XX/2021 which was paid via card online on XX/XX/2021. On XX/XX/2021, I received an email stating that I'd missed my payment. I immediately made contact with Bridgecrest via text message. The representative informed me that my payment had been applied to " my previous account ''. I informed her I only had one account. She stated that her manager would be applying the payment accordingly on said date and apologized for the inconvenience. That was an hour long ordeal. As such, I continued to check my account daily and there were no updates. But I was not getting anymore emails and notifications so I presumed it was in process. Then on XX/XX/2021, I received a letter via USPS mail entitled " Notice of Right to Cure and Intent to Repossess '' and dated XX/XX/2021. This letter was demanding payment of the past due amount by XX/XX/2021. I immediately called Bridgecrest and asked for the contact information for their general counsel office. I was told that their General Counsel does not converse with customers. I let her know I didn't want to converse with them either. I just needed to have my attorney send them their paperwork. This representative also made mention of " the other account ''. But she added that it existed because I'd originally had a different vehicle ( same make and model ... different VIN ... which I swapped out for the vehicle currently in my possession ) from XXXX. I informed her that the payment for that vehicle was a totally different amount AND I never signed up for Bridgecrest until long after the swap took place. She claimed to be escalating my call to someone who could assist. The next individual verified all that is stated above and said she needed to contact yet another department and would return my call that day. I still have not heard from anyone and my payment remains misapplied. The current acct # ends in XXXX and is reflecting as past due. The payment was applied to acct ending in XXXX  and was the sole account available on XX/XX/2021. The {$540.00} payment was made, they got their money, and now they want the property back when they have no grounds? Bridgecrest and XXXX are a fraudulent union and need to be investigated from the date they were incorporated.

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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 between hours of XXXX and XXXX XXXX  I started receiving email notices that withdrawals were being made out of my Cash App account. There were 5 withdrawals totaling the entire amount in the account of {$2600.00}. The email stated that withdrawals were taking place at a XXXX store in XXXX XXXX. I was XXXX XXXX  at the time while my debit card was locked up at home in XXXX, XXXX. I'd never shared my account information with anyone so obviously I was puzzled and completely taken aback by my account being drained of all the savings I had in a matter of minutes. When I got back to my friends house I looked up Cash App website for support to try to retrieve my funds. Unfortunately the website support number provided was the actual scammers who got my checking account information from me and cleaned out my XXXX XXXX account. ( XXXX XXXX replaced the scammed monies ). I finally got a number from my employer who was paying me through Cash App. Ultimately Cash App closed the investigation stating that I had violated their policy and they would not reopen the investigation. It was just last week that sent me information about their policy but they still never made it clear to me what policy I supposedly violated. I'm still confused as to how I may have violated a policy that make this fraud ( Stealing my money from my account ) unqualified for proper investigation and my account made whole again. Detective XXXX XXXX of the XXXX Police Dept. surmises that an actual card was used which might be their claim He also theorized that I used the card at an ATM with a device attached which stole my card number and pin then duplicated the card. I only know that I never shared my information with anyone. That I was in XXXX XXXX  at the time and my card was home in XXXX XXXX. I still have the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MA

Complaint narrative:
I received a bill from a collection agency called ACI ( American Coradius Internat'l LLC ) . It stated that XXXX had turned over a debt that I had incurred with XXXX for {$1000.00}. I have NEVER used XXXX for that amount. I called XXXX to ask them to explain what the charge was. They wanted me to give them my SSN and date of birth which I would not do. They suggested that I contact XXXX. XXXX told me that I had a zero balance and owed nothing nor were there any records of me ever owing that amount. They told me not to worry about it. My concern is that if I had mailed {$1000.00} to ACI, what would have happened to it? I read on the XXXX site that other people have gotten bills from ACI and did not owe XXXX any money either. I XXXX ACI and it says that it is a legitimate collection agency. I am writing you to alert you as to what must be fraud perpetrated by either the collection agency or someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I started a money transfer ( USA to XXXX ) with XXXX. XXXX took the amount of {$500.00} on XX/XX/XXXX, from my Bank of America checking account. XXXX had to cancel the transfer I started, and refunded the money to my bank account. 
XXXX claimed that they refunded the money to my account on XX/XX/XXXX, but until now I don't see that money in my account, I can only see the money was taken on XX/XX/XXXX with the Authorization number XXXX. 

I have called many times XXXX, and they always reply the same, that the refund was successfully done at their end. While calling to Bank of America, they told me there are no transactions on hold or rejected from XXXX. 

This is the response received from XXXX : " Since transaction was rejected transfer was cancelled on XX/XX/2021. However, our initial attempt to complete transfer failed. A second attempt to refund was done manually on XX/XX/2021 which was successfully completed on XX/XX/2021. '' Until now, I have not received the money XXXX {$500.00} XXXX in my Checking account at Bank of America after all this time. 


Transfer started date : XX/XX/2021 Transfer cancellation date : XX/XX/2021 Authorization number : XXXX Reference number : XXXX Cases opened at XXXX : XXXX, XXXX, XXXX, XXXX Refunded XXXX date : XX/XX/2021 2021

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 2021-05-28 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2021-05-28 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: MoneyLion Inc.
State: CA

Complaint narrative:
On XXXX XXXX I was alerted that a new account appeared on my credit report for moneylion for the amount of XXXX which I did not open or requested I spoke with moneylion onXX/XX/XXXX because I had already dealt with this in the past when I noticed a hard inquiry being made supposedly they found the account closed it and flagged it in XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
As a victim of fraud I placed a seven year credit freeze with XXXX, XXXX  and XXXX  in XXXX. A fraudulent account was opened XX/XX/XXXX by XXXX XXXX. I disputed with XXXX, XXXX  and XXXX. The account was closed by XXXX  but not XXXX  or XXXX. Now collection agency trying to collect debt. 

XXXX XXXX fraud department is investigating the fraudulent account. The account was sold XXXX XXXX who sold the account to XXXX XXXX who sold the account to XXXX who denies responsibility and deferred back to XXXX. Portfolio Recovery Associates LLC has started a fraud investigation as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
CB/VICSCRT - XXXX CB/VICSCRT - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MoneyLion Inc.
State: CA

Complaint narrative:
On XXXX second I was alerted that a new account appeared on my credit report for moneylion for the amount of XXXX which I did not open or requested I spoke with moneylion on XX/XX/XXXXbecause I had already dealt with this in the past when I noticed a hard inquiry being made supposedly they found the account closed it and flagged it in XXXX of this year.

Company response to consumer: Closed with explanation