vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: NY

Complaint narrative:
Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. XXXX got the letter on XX/XX/22, trans union got the letter XX/XX/22 and XXXX got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-07-29 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: NY

Complaint narrative:
Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. XXXX got the letter on XX/XX/22, XXXX XXXX got the letter XX/XX/22 and equifax got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have an auto loan with Chase Bank. 

On XXXX XXXX my payoff check was delivered to Chase Bank per their instructions in the amount of {$51000.00}. 

As of XXXX XXXX they still have not cashed or processed the payment and keep instructing me not to put a stop payment on the check. Further, they can not confirm if they even have my payment. 

It has been XXXX weeks of the same excuses. I just want to pay my loan off early. I have had to overpay the loan now to ensure no late payments. 

I have never been late or delayed paying my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX AccountXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received three separate letters from card support services on XX/XX/2022, advising me that my Macys, Home Depot and Sears accounts have been closed immediately and without warning or explanation. I pay my bills on time, and have been a loyal customer of Citibank, the apparent creditor involved, for over twenty years. 

They refuse to give an explanation over the phone. Letters have been sent remaking an explanation.

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 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company XXXX withdrew funds from my granddaughter 's checking account using her debit card info. The withdrawals occurred all on the same day ( XX/XX/2022 ) totaling over {$500.00}. She immediately canceled her card and notified Capital One. XXXX submitted a chargeback dispute letter. I have since noticed this same scheme occurred against others who reported this fraud to XXXX. The company on the chargeback letter is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This has also been reported to the US FTC. 
She has also filed a police report. 
She is also reporting this fraud to the California State Attorney General. 
The chargeback letter includes my granddaughter 's name and debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed a dispute with syncb they said they would XXXX XXXXXXXX remove inquiry, STILL HAS NOT BEEN REMOVED. Complaint filed over 4 weeks ago

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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was told that " billpay '' takes 6 working days guarenteed. It took 26 days. Called through out the time to try to get people to make sure soemthign was happening but the bill pay check didn't arrive until it was too late for me to stop what has happened since. Wells Fargo the bank I have a complaint with did nothing and to resolve it said that I was not the sender of the money so had no right to complain. Yet I was the recipient waiting for the funds to go to an escrow account to complete a property transaction. That has cost me tens of thousands of dollars as a result of being 20 days late and NO ONE AT WELLS FARGO CARES. dismissed me as irrelevent. 
What is a Guarenteed payment time if no one cares when it arrives and the persobn recieving is told they do not count as part of the transaction.

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 2022-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

BRIDGECREST XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2022 the collection agent for LVNV Funding, Resurgent Capital Services, XXXX stated : " You can contact XXXX XXXX XXXX, XXXX, the third-party servicer that is currently servicing your account XXXX. '' I took steps as suggested. XXXX does not respond to phone messages or emails. After I informed Resurgent that XXXX is unresponsive, Resurgent does not reply. I have even threatened court action - still no response. So, I have no way to address this " account '' that appears on my credit report in the amount of. {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: NC

Complaint narrative:
XX/XX/22 To Whom It May Concern, Recently I was made aware by Experian that XXXX issued a late payment notice to them on my account with them. However, this is not the case. 

I called my own bank first on XX/XX/22 and was told and could see for myself, via my online banking portal, that XXXX was paid out automatically on XX/XX/22. 

I also called XXXX directly on XX/XX/22 and was told that they had not issued a late payment notice and that the customer service operator, XXXX, could see that the payment had indeed been made. Furthermore, XXXX said that XXXX had NOT issued a late payment notice! 

Of course, even though the payment was made and XXXX themselves did not issue the notice, I do not want this false notice to affect my credit score. 

In addition to my bank XXXX and XXXX I also disputed this with Experian. Experian researched the issue and 24 hours later it was updated, and I have no idea what that means as they were not forthcoming with any additional information and suggested that I contact XXXX. 
XXXX at XXXX gave me the contact information for your bureau, and I sincerely hope that this can be dealt with in a timely fashion. 

Please contact me if I can be of any further assistance! And thank you very much for any help with this matter! 

Regards, XXXX Should I ask for something via email or written form to support my claim?

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 2022-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have disputed Fox Collection Center accounts XXXX FOR {$400.00}, XXXX FOR {$730.00} AND XXXX on my XXXX credit report, XXXX credit report and XXXX credit report multiple times. The company fails to verify that the debt is mine. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and intend to pursue litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Accounts XXXX FOR {$400.00}, XXXX FOR {$730.00} AND XXXX for {$66.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS RESOLVED.

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 2022-07-29 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: TN

Complaint narrative:
XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ONEMAIN XXXX XX/XX/2017 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

GM FINANCIAL XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Line of Credit or Equity Line on our home that I applied with for at Suntrust. A merger took place and Truist acquired our loan. When making payment online the payment was not processed correctly because Truist did not recognize Suntrust system. So every month I have needed to call in to get payment allocated correctly. I had two parts to my loan and one was revolving and the fixed loan. I tried to pay small loan off and just have fixed loan option and took 3 months to get this done. Now Truist is saying I owe back interest of almost XXXX dollars which is more than my daily perdiem on loan. When I make a payment they keep taking my entire payment and apply all to interest and no principal for two months now. I have paid full amount due which is a XXXX and now they say they can take all my payment and put it to interest which is wrong since fixed term was to be interest and principal with month per diem being about XXXX  monthly. No one takes responsibility or can fix it due to they dont know why. Every time I have been told it was corrected it has not been.

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 2022-07-29 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: NY

Complaint narrative:
Equifax is showing a series of late payments for my XXXX XXXX XXXX Account during COVID-19, 1st off, I was never late during these months, the credit report on XX/XX/2022 and XX/XX/2022, show different data, almost like they are randomly putting days late. 
How can you go right to 60 or 90 days without a 30 day late? 
I have enclosed both reports

Company response to consumer: Closed with explanation