vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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: ID

Complaint narrative:
My ex-husband and I had two auto loans thru XXXX XXXX XXXX XXXX. One was my stepson 's car that my stepson makes the monthly payment on. It is almost paid off. The other is my ex-husband XXXX XXXX XXXX. We separated XX/XX/XXXX and he has always had possession of the vehicle. Our divorce was final XX/XX/XXXX. The Judge signed the divorce decree and both auto loans at XXXX XXXX XXXX XXXX became the sole responsibility of my ex-husband. XXXX  has removed these from my credit report and TransUnion will not because XXXX XXXX XXXX XXXX will not allow the. To remove it. I have sent the divorce decree to XXXX XXXX XXXX XXXX and to TransUnion. XXXX XXXX XXXX XXXX has told me that my divorce decree does not matter and has no validity on this situation. I do not see how that is possible because a Judge signed and ordered that my ex-husband is solely responsible. Since our separation my ex-husband has been late XXXX and XX/XX/XXXX on his car payment. This is having an adverse effect on my credit. I am considering hiring an attorney and suing XXXX XXXX XXXX XXXX and TransUnion. Please help me.

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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed two claims with my bank due to my card being used on a XXXX account. Both claims were denied. I spoke to customer service and they did not help to rectify the 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 explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ABSOLUTE CREDIT  LLC
State: NY

Complaint narrative:
XX/XX/2020 - Absolute Credit LLC reported a medical collection account to my XXXX  credit file. 

XX/XX/2020 - I sent them a certified letter asking Absolute Credit LLC  to validate the debt. 

XX/XX/2020 - The letter was received by their office. USPS receipt attached. 

XX/XX/2020 - Absolute Credit LLC did not respond to my validation request within the allotted 30 days. I sent a day 31 follow up letter to them as soon as I had not received a response. 

XX/XX/2020 - Absolute Credit LLC responded to me with a letter dated XX/XX/2020. Sent my sensitive and personal information ( when they did try to validate ) via regular mail. Included my identification - social security number, a photo of my license, details of my medical bill and insurance info. 

-In my first letter to Absolute Credit LLC , I requested that they send me the HIPAA authorization from the health care provider, giving ABSOLUTE CREDIT LLC the authority to collect this debt. They did not send a HIPAA authorization from the original healthcare provider. 

-They are reporting to XXXX  as the " original creditor ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Im trying to open account an and some banks are reporting inaccuracies to the banks an it not allowing me to open any accounts theses account wasnt fraudulent open I didnt open half of theses account

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 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
do not recognize account and i have been empacted by covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
I bought a Visa gift card from XXXX that indicates that it can be used anywhere that a visa debit card is normally used and this is not true. It has been declined at both XXXX and XXXX so far, which is the only reason that I bought it.

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 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America refuses to close my paid in full credit card the card is gone since XXXX XXXX XXXX still open ... .Executives office refuses closing ... many emails many calls XXXX IN XXXX North Carolina says file with u please assist

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 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
do not recognize this account or have validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. Memebers XXXXXXXX XXXX XXXX is the only one that remains

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was denied a loan based on my Experian credit score, I have been trying to reach Experian to rectify the situation. They are reporting multiple scores ranging up to 60 points difference. The bank was provided one score, I was provided a 2nd score when logging into Experian 's website, the 3rd score is coming from my free credit report. There is no live operator to contact. Previous disputes went ignored.

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 2021-01-07 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: GA

Complaint narrative:
I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. XXXX XXXX XXXX XXXX is the only one that remains

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 2021-01-07 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: GA

Complaint narrative:
I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. XXXX XXXX XXXX XXXX is the only one that remains

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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
So, this is my second complaint about Chase Bank in 2 months. Same issue, same mistake on their end. Last time I was nice, was able to resolve myself with Social Security and I let Chase off hook, today I am livid. My 2nd stimulus was due. Now the IRS website did not become functional until XX/XX/2021. I checked, saw my stimulus check was sent to Chase XX/XX/2021 to a closed account. I immediately called Chase claims however they were closed and it was not even XXXX MST. I called first thing on the XXXX, XXXX sharp. I told the woman right up front in XXXX I opened a similar claim for a Social Security check and the claim was filed incorrectly. No worries she told me, she knew what to do. She saw the transaction, told me {$1200.00}, she got the trace number, it was rejecting, no problem opened the claim noted what account it would be deposited into, said give it a day, if any questions I would be called. I checked all day, nothing ever showed pending. On XXXX/2021/not seeing it in my account, I called Chase to see what happened. Well, they screwed up again and returned the {$1200.00} to the IRS. I could not believe this happened AGAIN. Im no stranger to banking, I worked for Chase for 26-1/2 years. I work for another financial institution now. I know the funds reject morning after and thats when the money needs moved to the other account. I called the Executive office, spoke with XXXX, what a joke, patronizing as XXXX. THEN I get an email alert with a letter advising as discussed nothing was done with the claim, funds returned to the IRS are you kidding me? As discussed my XXXX. Now maybe {$1200.00} isnt much to someone like XXXX XXXX but to me it was a lot. I am the sole provider right now for XXXX of us. My daughter lost her job due to COVID and her and my XXXX grandchildren came home to live with me. My oldest son has been quarantined 3 times, thats 30 days due to COVID exposure at his work. My youngest son is currently quarantined. We have experienced XXXX 4 times within my own family, brother, his wife, kids. You get the point. I contacted the IRS and maybe I will get a check, depends they need all this done by XX/XX/XXXX otherwise I can take as tax credit. A lot of good that will due. I divorced this year taxes are iffy and which one can claim it even though only I worked but he could beat me to it then I am SOL. So in the meantime I have {$200.00} in NSF fees, Big Bad Chase needs that money. Heck they probably got PPL. The rich get richer, the middle class is hanging by a thread. In addition to this complaint I am taking this to the news station. Once I can overlook, twice is incompetence. Time to clean house, maybe start with the head and go down, bit XXXX XXXX is too busy on XXXX XXXX to care about the peons..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The company, Capital One, reported me late for a fraudulent charge in XX/XX/2020. The company has since reversed the charges but has not corrected the issue with the credit bureaus. This is a problem and I need it corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: TX

Complaint narrative:
I sent a dispute to Transunion in XXXX of XXXX The dispute included a XXXX XXXX XXXX Account. The dispute was in regards to the balance being incorrectly reported. The balance should be {$0.00}. I even sent proof of the {$0.00} balance for the account. However, after disputing the balance of the XXXX XXXX XXXX account. Transunion replied with the dispute results via mail. The response did not even acknowledge or give results specifically for the XXXX XXXX XXXX account. Transunion failed to investigate the dispute properly. 

I have attached the dispute I sent in XXXX of XXXX. 
I have attached proof of the {$0.00} balance for XXXX XXXX XXXX. 
I have attached Transunion 's response which fails to acknowledge the dispute for 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 non-monetary relief
Consumer complaint received 2021-01-07 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: CBC Companies, Inc.
State: GA

Complaint narrative:
In XXXX I disputed an account with Innovis for XXXX XXXX XXXX XXXX. The account was deleted but reinserted. According to law. The consumer is supposed to be notified of a reinsertion with 5 days to his credit file. Innovis has not done this. This item was previously removed then reinsert. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo stole our money and has been refusing to credit it to my account for over 1 week now. 
CREDIT OUR MONEY TO MY ACCOUNT IMMEDIATELY! 
Check was deposited for {$2200.00} on XX/XX/2020 already and the money is still not in my account. WE HAVE A RIGHT TO OUR MONEY! 
THIS WAS MY HUSBANDS CHECK - THE MONEY WAS TAKEN OUT OF HIS ACCOUNT BY WELLS FARGO ON XX/XX/2020, HOWEVER, WELLS FARGO IS STILL REFUSING TO CREDIT MY ACCOUNT WITH THE {$2200.00} XXXX WE HAVE BEEN UNABLE TO PAY RENT DUE TO THAT STEALING OF OUR MONEY AND REFUSING TO CREIDT IT TO MY ACCOUNT. 
NO EXPLANATION HAS BEEN GIVEN BY WELLS FAGRO - WHY?? - Non of the general reason 's the bank, W.F. mentions, applyto us! 
- the deposit was not over {$5000.00} - the check was covered ( W.F. took the money out of my husband 's account the same day XX/XX/2020, but STILL refuses to credit my account - WHERE ARE THEY HOLDING THIS MONEY? OUR MONEY? WHAT ARE THEY DOING WITH IT? THIS IS NOT LEGITIMATE!! 
They took the money out of my husband ' s account on XX/XX/2020 and were supposed to deposit it into my account the same day or latest by XX/XX/2020, we have done this many times. WHY are they holding the money for 2 weeks this time? They have not explicitely explained this still - they mentioned all the reasons that CAN cause a hold, but they have not explained what is the reason in this, our case, and non of the general explanations fit our case! 
WHERE IS OUR MONEY? 
FREE IT RIGHT AWAY AND CREDIT IT TO MY ACCOUNT AS IT SHOULD HAVE BEEN DONE 1 WEEK 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 explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
They never responded to any of my dispute letters. I have sent 5 letters starting XX/XX/2020. They fail to do their job and they are reporting inaccurately. please help me as they are purposely hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: NC

Complaint narrative:
I purchased a vehicle using this lender, made my payments on time every month. I decided to trade my vehicle in to purchase another vehicle and the dealership held onto the vehicle and did not return it as promised. The vehicle was paid in full and the dealership is stating the vehicle was returned and the lender is giving falsified information as this loan is paid in full and I am not responsible for the misunderstanding between dealership and Lender. Please help assist me with compliant as I want it removed from my credit reports reporting negative.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may neve r have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

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

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may n ever have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: IL

Complaint narrative:
On XX/XX/20 I 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation