vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. XXXX comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-07-04 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. Equifax comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I opened an online savings account with Marcus by Goldman Sachs on XX/XX/2021, I transferred {$1000.00} from my personal bank checking account and {$8000.00} from my savings account ( {$9000.00} total ) on XX/XX/XXXX. The money left my personal bank account on XX/XX/XXXX. I went to log in my Marcus account on XX/XX/XXXX to find that they locked me out of my account. I called Marcus customer service and they said they don't know why it's locked and nothing can be done until Monday XX/XX/XXXX because the team that unlocks accounts isn't here on the weekends, also they said they didn't receive my {$9000.00} from my personal bank. So I call on Monday, they say they are force closing my account and I can't get my money back that I sent over, they told me they never got {$9000.00}. I called my personal bank, verified the account and routing was correct and they said nothing can be done because the money left the account and is in the Marcus account. On XX/XX/XXXX Marcus said they received the {$9000.00}. So they closed the account on XX/XX/XXXX and my money got sent to a closed account. That money should have been rerouted back to me the next day ( according to my personal bank ). The representatives at Marcus would not tell me why they closed my account, when or how I will get my money back. They just kept saying " we can't disclose any information regarding the matter '' for every question I asked, I was transferred to several supervisors and they all kept saying they can't tell me anything except the account is closed and they will not send my money back, no transfers can be made and they can't transfer any money back. Marcus told me to have my personal bank recall the funds, they said my personal bank will have a procedure for getting my funds back. My personal bank said that's not possible, they don't know why Marcus would tell me that and Marcus needs to send the money back because they have it and they closed the account. I keep getting the run-around I have been calling my personal bank and Marcus everyday, several times a day to find out where my money is and it's XX/XX/XXXX and I still have no answers or my money back. This is theft. Marcus bank literally stole my money. They should not be allowed to operate. They need to be investigated, how can they treat people like this?! I have bills to pay, this is causing me a lot of distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield claims that I owe an amount of {$2400.00} WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) but have failed to provide me with a debt validation or any proof that I owe the specific amount. The account number is XXXX I sent a dispute letter about few months ago and still no respond from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
While renting a car for 6 weeks, I was hit twice and filed two separate loss incidents with XXXX, where I rented the car. Claim # 1, the driver who hit me acknowledged that they were at fault and stated that they would like to pay cash to fix the scratches on the BACK of the bumper. Claim # 2 I was hit, but the other driver claimed she had yielded, so each of our insurances determined we would each be responsible for our own cars. The damage for claim # 2 was on the XXXX of the bumper because the other driver had merged into my lane. I am willing to pay for the damage to the side bumper. However, XXXX sent me an invoice for all the damage, and included the damage to the BACK of the bumper which should be billed to the driver for claim # 1. I have sent several emails to XXXX XXXX who is handling my claim, but he has not responded to me. I spoke to him and he said I'm not being billed for the other damage, even though the invoice shows the back bumper damage to repair. I have asked for documentation on claim # 1 so that I can understand how they are separating the claims. After several weeks I received an email stating that they would be dividing the two claims, collect the damages from claim # 1 from the third party, and send me an updated bill, however, I have now received a letter from a collections agency, Transworld Systems Inc. ( TSI ) for the full amount of both claims. I have now mailed a certified letter to XXXX and TSI requesting again that the claims be separated and billed appropriately and that documentation of such is provided to me. I eagerly await their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: TX

Complaint narrative:
Received a Brinks Netspend Prepaid card saying I have previously been their customer - which I have not ( as of the writing of this I will be XXXX  tomorrow XXXX and have never had nor opened any prepaid card ).

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 2021-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I have submitted to see verification proof from PHOENIX FINANCIAL SERV about a debt they claimed that I owe but they have refused to provide the information in a timely manner. The account number is XXXX. I demand that they removed this account immediately since they have not provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have tried several times to resolve this issue with. I was initially promised that I would receive my refund from a representative by the name of XXXX on XX/XX/2021 ; she appeared to be sympathetic to my situation and since it had been my first tie ever submitting a request for a refund, she granted it. A day later, I received an email from her manager, XXXX who is a level 3 at XXXX on XX/XX/2021 ( please see attachment for reference ), that despite what XXXX said, it could not be approved due to the tracking number stating that it had been delivered. I repeatedly asked XXXX to listen to the phone conversation so that she could hear her employee XXXX, promise me that I would get my refund and that even though her supervisor had to sign off on it, her manager didnt necessarily have to approve the refund ; XXXX refused. I called back again on XX/XX/2021. I gave it some time and called back on 0XX/XX/XXXXat approximately XXXX and spoke with a representative by the name of XXXX XXXX XXXX contacted corporate on her end via email and XXXX told me that Corporate could overwrite their decision. I then contacted someone by the name of XXXX at the corporate on XXXXwho then gave me my case # XXXX. After being denied countless times, I went to the XXXX to see if they would be able to rectify the situation. Someone by the name of XXXX responded to me and stated that since I said I would reach out to an Attorney, he would no longer help me ; initially, I said I would reach out to an Attorney as a way to get them to help me in any kind of way. I explained to every single person at XXXX that at the time I was living at my previous address, you needed to have a key fob to access any level of the building unless its the XXXX level which has different businesses, our mailbox and the door to our leasing office ; if the leasing office is closed, even residents have to use their key fob to access the leasing office that gives us access to the gym, waiting area, packages and of course the leasing office. I received different emails from saying my order was delayed and they would email me once it would be shipped out, that same day, they said my order was delivered and allegedly signed for. Not once did I get my order, sign for anything, the leasing office wasnt open and refuses to refund my money back. 


TIMELINE FOR CORRESPONDENCES WITH : XXXX XX/XX/2021 ( XXXX is the one who reassured me as well as promised me that I would get my refund back from the order I didnt receive ) Hayden- ( Level 3 Manager via email on XX/XX/2021 ) Called again on XX/XX/2021 XXXX ( spoke with her twice. Contacted corporate on her end via email ) -Supervisor XX/XX/2021 XXXX XXXX XXXX XXXX from corporate said no to my refund via XXXX XXXXCorporate rep contacted XX/XX/2021 gave me my XXXX case XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On or about XX/XX/2021, i leased a XXXX XXXX XXXX. 
The sticker advertisement on this car advertised that the car provides for 75MPGa, see attached as a true and correct copy of this advertisement by BMW which also list the VIN of the car leased to me. 
Subsequent to this BMW 's advertisement, i : leased the car.

Within a few days, i : noticed that BMW 's advertised 75MPGa is completely false and i : do not even get half of that.

In good terms, i : first contacted the dealer, i : was told i : should contact BMW headquarters, which i : did, see attached a copy of this email communications with BMWs agents.

In short, BMW 's management denied compensating me for my losses due to false BMW 's advertisement that the car delivers 75MPGa when it clearly does not by BMW 's own admission later on upon diagnosis at BMW.

Since i : have been severely economically and emotionally damaged as a direct and proximate result of utter false BMW 's advertisement that the car i : leased has 75MPGa consumption when it clearly does not, i : am demanding that BMW compensate me for my economic losses. 
BMW has agreed with me that they cheated me, but they do not provide any remedy to me for cheating me -- misrepresenting that the car get 75MPGa, when it does not get even half of that i : researched the law and found out the standard for fraud is 3X the amount of the fraud and i : keep the car, the car 's value is about {$50000.00} times 3 makes it {$150000.00} plus title ownership change to me.

Please fee free to call, mail or email me with any questions that you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: TX

Complaint narrative:
Over the course of the past 1month I have disputed several items on my report and my score has dropped drastically. Im not late or delinquent on any payments this makes absolutely no sense. Please review my file and correct my my score because the current score is a 120 points difference from my other two whos have the exact information contained with in them. How does my score go from a XXXX to a XXXX and Ive missed not a 1 payment my payment history is 100 % please explain I have no high credit card balances no collections. I dont understand

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Fraudulent inquiries on my credit report attached is documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/2021 I had a pre-approved letter from XXXX XXXX XXXX for a autoloan. XXXX did not honor this request initially and I had to escalate to corporate before it was resolved. XXXX claimed they were not a pre-approved dealer by XXXX XXXX XXXX when they were. As a result I had multiple inquiries from unknown sources on my credit report that I did not authorize. Wish to have this inquiry removed.

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 2021-07-04 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: FL

Complaint narrative:
I applied for a personal loan in XXXX on XX/XX/2021. A few days later XXXX told me they couldn't approve my loan because I have an active fraud alert in Equifax report, so I need to call them and have them remove the fraud alert. I called the Equifax and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called XXXX back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back Equifax and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back XXXX again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither XXXX nor Equifax were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional XXXX inquiries to be removed from my Equifax credit report.

Company response to consumer: Closed with explanation