vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :

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 2022-03-09 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: TN

Complaint narrative:
On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TN

Complaint narrative:
On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?

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 2022-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is against Bank of America, Credit Card Services. 
On XX/XX/2022 I Mistakenly made a payment twice to my Bank of America Credit Card Visa Platinum Plus Credit Card. The first payment of XXXX was credited to the card. The second payment of {$4000.00} meant to go to my other Credit Card XXXX XXXX Credit Card. 
Using the bank Bill Pay System I made a mistake and payed the Platinum Plus Credit Card. On XX/XX/XXXX I checked my account and became aware of my error. I called and some hours later I was able to reach a representative, who explained that the amount could only be refunded to the bank from which it was paid. That would be XXXX Bank, and that I should expect a refund in a couple of days. 
On XX/XX/2022, I had not received the refund, so again spending an inordinate amout of time I finally reached an agent, XXXX. She explained that the refund required reveiw by that department, which took place on XXXX and it was cleared to be refunded but the refund will take an additional 10 days and I should expect it in my account on XXXX. 
Banks now have the ability to wire funds in hours not days. This is a blantant method of holding payment to the benifit of the Credit Card Company to the disdvantage of consumers. 
I for one will be closing out my relationship with Bank of America and their Credit Card Servicer and I urge others to do the same.

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 2022-03-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax consistently does not update my credit report. I have documented proof from XXXX from other credit bureaus from discover and all of my other revolving accounts stating they are sending the information to all three credit bureaus yet Equifax is the only one that does not update it. They have not updated anything on my credit report for 60 days or more. I have contacted them repeatedly they do not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}

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 2022-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX I made a complaint a few weeks ago, because chase Bank branch XXXX XXXX, didnt pay a check I deposited into my account, I was helping a co worker who need to cash her check asap, I paid the money to XXXX from my pocket. 
Someone with the name of XX/XX/XXXXfrom executive office I believe! Her number is XXXX XXXX ext XXXX She said to me, she will fix the problem! Im still waiting to returned the money to the company who make the check, so this company will reimburse me with another check!. 
Please contact me if you need more information about this matter, the owner of the company already spoke in person with the manager branch in the XXXX! Give a letter the manager requested to start the process to get the money back and so far nothing is happening! 
Any other question please call my cellphone XXXX XXXX XXXX Tha owner of the company who wrote the check his name is XXXX XXXX his number is XXXX XXXX XXXX. 
Chase bank XXXX XXXX XXXX Account number checking : XXXX Account number savings : XXXX Branch XXXX Phone number XXXX XXXX Held checks : Paycheck {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.

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 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed TransUnion with regards to this issue and I have not received any response from them until this date.

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 2022-03-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned accounts lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the accounts in question. Below, are the accounts they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: ND

Complaint narrative:
Getting harassed about a hospital bill that they refuse to bill to my insurace. Many calls with the bill collection agency, the hospital I visited had no effect in stopping the barrage of phone calls and mail. My three way calls between the debt collector, my insurance provider, and myself seemed to be most effective but nonetheless never stopped their pursuit to get me to pay without billing insurance. Often trying to decieve me saying it was not covered. Luckily I was smart enough to call my insurance and confirm they were never sent any claims or billing. To no avail explicitly telling them to stop harrassing me with calls and mail never stopped their relentlessness. I thought after the fourth three way call I had back in in the middle of XXXX in XXXX I thought the XXXX of dealing with HRRG was resolved. Today I woke to find another letter from said debt collection agency trying to collect money without billing my insurance. It is a bill of XXXX $ from XX/XX/XXXX. The collection agency in question is " Healthcare Revenue Recovery Group , LLC ''. The number they advised me to call, " XXXX ''. At the top it says " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' At the bottom there is a detachable portion for you to send payment to a " XXXX XXXX XXXX XXXX XXXX  XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
I have been made aware that someone got a payday loan in my name using my birthdate social security number and I wasnt aware of this still I starting receiving invoices in the mail that it was being paid by someone and then I was aware that I needed to take action and I called the payday loan place and told them this wasnt me and that someone was using my information for this loan and they said that it was being paid but couldnt tell me anything other then that and that they would report this as fraud and they would close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I reached out to the Credit Bureaus about the XXXX XXXX XXXX accounts on my report on XX/XX/2022. I sent a photo copy of the receipt that shows that the balance was paid in all accounts totaling {$780.00}. The receipt also shows the account number provided by XXXX XXXX XXXX. They told me that it takes about 30 days for their system to update. I called XXXX and transunion on XX/XX/XXXX as the accounts were still being reported as verified and accurate I submitted another dispute with all bureaus only to still be told that its being reported as accurate. I also have a confirmation number that I submitted on both dates. Im addition I submitted the payments listed by the original creditor that shows that a collection agency payment was received and the balance is now {$0.00}. Ive contacted XXXX XXXX XXXX directly on XXXX XXXX and spoke XXXX who told me that they have reported these collection items as paid. I am unable to obtain any credit or new credit due to this false reporting.I received notification on my last dispute on today XX/XX/2022 that the debt and amount being reported has been verified as accurate and correct

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 2022-03-09 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: TN

Complaint narrative:
I was not notified of any results from the credit bureaus. On XX/XX/2022 I sent in letters requesting verification on some incorrect items that's reporting to my credit. These negative items are holding me back from opportunities I can have to improve my financial situation. I'm already on a social security-based income. Please help me solve my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Tel XXXX Acct : XXXX On XX/XX/XXXX, I rented a car with XXXX for XXXX total of 5 days, until XX/XX/XXXX. 
I proceeded to pick up the car on the previous mentioned date and returned the car on the contract date XX/XX/XXXX. 

Unfortunately, when I proceeded to return the car at the airport XXXX XXXX of XXXX York XX/XX/XXXX, there was not XXXX representative available to take the car keys, for this reason I proceeded to leave the keys inside the car as instructed by the Gate keeper/Airport parking representative. 
I then boarded my plane back home XXXX Florida, on XX/XX/XXXX, ( please find attached the ticket for evidence ) and forgot about the rental car. 

On XX/XX/XXXX, when I check my card, I saw new charges on my Capital One credit card from XXXX, I thought it was taxes and fees which is normal for my previous experiences, however, the next day more charges appeared on my card. I proceeded to call XXXX to questions the charges and the representative told me they were having system issues and couldnt tell me why I was still been charged. 

Finally, after all pending transactions posted from XXXX 10 days after, I call them again, only to find out that they never received the parked car at their parking lot at the airport, and they were charging me for it, just like I did never return the car, which is totally XXXX XXXX since I did return the car. 

I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. 

Also after reporting this issue to Capital one bank and and them conducting an investigation, they refer me back to the merchant, violating all the XXXX purchase protection agreement that we are bounded with. 

Next step will be to seek legal advice if this matter is not resolved I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TN

Complaint narrative:
45 days ago, on the XXXX of XXXX I sent in some letters asking for the procedure in which some incorrect items were verified on my credit report, and I have yet to get a response. I feel like I'm being taken advantage of and will file for litigation if I have to. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TN

Complaint narrative:
45 days ago, on the XXXX of XXXX I sent in some letters asking for the procedure in which some incorrect items were verified on my credit report, and I have yet to get a response. I feel like I'm being taken advantage of and will file for litigation if I have to. Thanks for your help.

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