vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation
State: IL

Complaint narrative:
In the middle of the collection process without warning or notice, the collection agency put a negative comment on my credit report. In his personal attempt to collect during XXXX, the XXXX  had been unwilling to review the insurance documents. The collection agency sent ONE written notice ; I responded with a phone call and explained that my insurance company said the amount was off. The agent said that they would look into it ( late XXXX, XXXX ) and without warning on XX/XX/XXXX, the collection agency posted a collection on my credit report. I believe that this is an attempt to intimidate me. My >800 score has dropped 127 points on XXXX. Today, XX/XX/XXXX, I discovered the collection on my credit report during a monthly check of my credit report and disputed the collection on XXXX  and XXXX. I want ACCOUNT RESOLUTION CORP, XXXX XXXX  XXXX XXXX, XXXX, MO XXXX to remove the collection immediately. ARC is acting in bad faith and has unnecessarily damaged my credit rating in an attempt to collect amounts that ( according to my insurance company ) are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Im very hurt with bluebird card I have over {$11000.00} available to my account. I was supposed to get a new place and pay bills and car I went to the atm to withdraw some cash and I received an email saying that my account is suspended. Theres no number neither email To contact. They want me to send a mail to Georgia. Im XXXX  today because of bluebird American Express. It hurt. Im in pain. 
I havent done nothing to have my account suspended I have been with this business for more than 6 years. I dont even have $ $ $ to eat food. 
Please help me put

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: CA

Complaint narrative:
I discovered multiple fraudulent accounts and hard inquires on my credit report. I filed an Identity Theft Report with FTC.ogv and sent it to credit bureaus. I submitted and sent my reports numerous times to Equifax and they failed to fix my report. All fraudulent accounts are still showing on my report, and they keep giving me a response that Hard Inquiries will stay for 2 years and ignoring the fact that I am a victim of a theft. It is so frustrating that they don't protect victims and are not effective in removing inaccurate and fraudulent accounts and inquiries from a consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CARD Corporation
State: CA

Complaint narrative:
I filed a claim with CARD.com card ending in XXXX on XX/XX/2021 Claim No XXXX total of {$150.00}, and {$1300.00}, equaling {$1400.00}. I disputed transactions due to services not being rendered, as stated on disputed form, also returned items, credit pending, wrong items, cancelled, prior to billing services. I disputed those transactions with CARD.com, and yet they have not settled my account with amount appropriated. Also they are delaying in shipping me a replacement card, its taking them sometime. I always seem to be having issues with this card.com services they are really rude at times, they don't listen to me. I get upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: FL

Complaint narrative:
Carmax auto finance is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Aargon Agency, Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance LLC is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Global Lending Services is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
700 Credit/XXXXXXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX/West Lake Financial is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
They sent me the notice on XX/XX/2021. For the amount of {$1200.00} plus cost of Im not sure what which is {$1300.00}. States we will garnish your wages and also have me incarcerated if I do not reply in 14 days. The information they have is incorrect and I do not currently work and they have an employer that I never worked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premium Credit Bureau
State: FL

Complaint narrative:
Premium Credit Bureau is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They sent me the notice on XX/XX/2021. For the amount of {$1200.00} plus cost of Im not sure what which is {$1300.00}. States we will garnish your wages and also have me incarcerated if I do not reply in 14 days. The information they have is incorrect and I do not currently work and they have an employer that I never worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: I.C. System, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a checking and a savings account with Capital One. I have not used these accounts much in the last few years, as I spend most of my time outside the United States. Recently, I received some payments into the account, after providing the account number and ABA routing number to a friend who owes me money ( from a loan I made to her during the lockdowns ). Capital One has now blocked the account, but did not provide any information about the reasons for this in writing or by email. When I called them, after being on hold for more than 15 minutes, they told me that they believe there is something suspicious about the payments received in my account and that they will close the account, without paying out the balance of almost {$2400.00} in the account. I was of course shocked by this and asked them what I had done wrong - but they could not give me an answer. I then asked if they would communicate this decision and their reasons for it to me by email or in a letter ( with a strong preference for the former, as we are in the 21st century ), but to date they have done neither. This leaves me in the situation that I have a substantial amount of money sitting in an account, but can not access it and do not know what I have supposedly done that would justify this decision on the part of the bank. 

To me this feels as if the bank has stolen my money, without providing any valid reason for doing so and without even communicating this decision or any reasons to me in writing. Surely that is not possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Subject : ACC XXXX - Disputing Information in Credit Report Dear WELLS FARGO XXXX I am writing to dispute the information Wells Fargo has supplied to XXXX  XXXX XXXX and XXXX in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as 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 explanation
Consumer complaint received 2021-08-26 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: DE

Complaint narrative:
Subject : ACC **XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to Transunion XXXX XXXX  and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as 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 explanation
Consumer complaint received 2021-08-26 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Subject : ACC XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to XXXX  XXXX Equifax and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Subject : ACC XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to XXXX  XXXX XXXX  and Experian in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as 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 explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/28 I sent in several transactions that I either had merchant issues or fraud disputes I had originally sent the dispute to my personal banker XXXX XXXX. which it stated on their website is an option. She did not return a call in regards to my message for 21 days. By that time I had contacted the disputes department to get my problem solved. The call was taken easily. I received paperwork and was required to Pay a notary to notarize my dispute. The branch did not have a notary working, so I wasted an hour driving to the nearest location to me as instructed then having to find a notary of my own. I never received any further information of person that information by fax and mail. Were just about 60 days in I have received no temporary credit to cover the disputes. I keep no money in this account but occasionally somethings slips through and further adds fees. However if the money that shouldve been returned my account weeks and weeks ago were there these fees would not be there. Cell my complaint is I have tried to call XXXX XXXX as listed on their website that I can do in regards to my dispute, But she said XXXX unable to do anything and then I have to call the dispute phone number. I have called three times in the last week each time on hold for an hour and at approximately one hour their system hangs up my call.

1. I need bbt to do what theyre supposed to do.

2. I need my money. 
3. I need itll be able to communicate with my bank.

4. I want this to all be over because now I need to close my account because this is a nightmare. But Im Held hostage to this Account for the time being.

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