vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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/2020, 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 for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days 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 data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CITIBANK, N.A.
State: CO

Complaint narrative:
MasterCard allowed a Best Buy XXXX, Co, membership renewal fee of {$200.00} to be processed even though I disputed the charge after the fact since Best Buy never, never, notified me that that annual amount would be charged to my MasterCard. Best Buy did not send me an email or a snail mail stating the the annual renewal and Best Buy can not prove they sent such notifications : They simply stole with Master Card approval the {$200.00} from me, : MasterCard stating that if I didn't pay they would report my otherwise perfect payment history and credit rating to the three most so-called trusted credit rating systems in the U.S. In other words, MasterCard in link BB were going to ruin me and it seems gladly doing so. MasterCard said I had to PROVE that I tried to contact Best Buy. I explained in a dispute to MasterCard that Best Buy when I found out about this charge through my XXXX statement, I called BB five different time and was on hold for over an hour each time, thus having a total hold time of more than six hours. I was never able to get in touch with BB. Additionally Best Buy in XXXX, Co where I live was closed for months due to covid, yet I had to prove the phone calls and BB being closed, which meant the responsibility of evidence was on me -- a perfect MC client. The proof really is on Best Buy to show they sent early notification of renewal chargers! I want my membership fee -- all of it returned, which would be a big surprise! I dropped MC like a hot XXXX since they can not treat a client who pays the monthly statement in full and on time and who has been with MC since 2015! CREDIT CARD COMPANIES NEED TO REALIZE THERE ARE TWENTY OR THIRTY MORE CC COMPANIES WAITING IN LINE FOR OUR BUSINESS!!!

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 2021-03-06 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. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my grandchildren

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia Motor Finance changed my account number without consulting me or giving me notice. I continued making my payments, but the payments were evidently going to my old account number instead of the new account number of which I had no knowledge. After they contacted me to collect a debt on XX/XX/XXXX, I explained I had made my payment. After some investigation they apologized and said they would fix THEIR error. I continued making my payments to the now correct account number, but I am getting several calls a week saying I have not made my payment and they are collecting a debt. This has now happened 3 times with each time the issue being resolved and notes taken. I am now receiving letters that I am multiple payments late. This is not the case.

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 2021-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I believe I have made XXXX payments and should qualify for Public Service Loan Forgiveness now, but Fedloan has me at XXXX. The disputed payments include the following : one from XX/XX/XXXX where Fedloan says I " don't have a bill for this payment, '' but still debited the monthly amount from my bank account. The issue was without my asking for it, they put me into " disaster forbearance '' because I lived close to the California wildfires despite the fact that the fires did not affect me personally. I called and asked to remove the forbearance, which had been placed for two months, and asked them to bill me as I wished to continue to make payments. They removed the forbearance and only debited my account for one month, but did not create a bill. Therefore, they took my money for one month even though I asked them to take it for two months, and then counted zero months. Another disputed payment is from XX/XX/XXXX during a transition from a prior servicer to Fedloan. This payment has been " pending manual review '' for over two years. I have submitted proof of payment for this bill but it hasn't changed anything thus far. I called Fedloan and they advised me NOT to submit for forgiveness now because it will be denied. They also said there is " no timeframe '' for when my disputed payments may be reviewed. I asked if I might speak to their ombudsman or at least a manager and was told " no. '' They would not give me any contact information for an ombudsman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
This company keep collecting on a debt that dont belong to me. I filed identity theft report as well. I called this company multiple times requesting signed documents that this debt belong to me. Each time they said they where putting it in the mail and I never received it. I am requesting a signed copy with my signature that I owe this debt please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
ONLINE COLLECTIONS Original creditor : XXXX XXXX {$390.00} Balance updated XX/XX/XXXX Payment Info Original loan amount {$390.00} Balance {$390.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: MN

Complaint narrative:
Hello US Bank Account # XXXX US Bank deducted {$730.00} instead of {$360.00} with check number # XXXX two times to XXXX XXXX. 
I have been contacting US bank many times but they are not helping me and not refunding my money. 
It will really help me and my family if you please help me to get my money back. i.e {$360.00} Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Letters were sent to Comenity Bank on XX/XX/2021 due to reporting accounts were included in bankruptcy and now show derogatory. The accounts were in good standing and closed years before bankruptcy was filed and discharged. Upon disputing with the credit agencys, Comenity is still reporting erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.

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 2021-03-06 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:
I have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed.

The Supervisor from Special handling told me he did not have to remove the account as it was verified from the creditor, I was also sent an updated credit report with the account still reporting violating my consumer rights pursuant to 15 USC Chapter 41 as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good afternoon, I'm reaching out again today to follow up on an ongoing dispute that I've had with Experian. Late last year, unfortunately I became a victim of identity theft and had most of my information renewed because of the matter. I also had filed a police report for this for preventative measures in the future and for receipt. I've already notified the bureaus such as XXXX and XXXX about this circumstance and were quick to resolve the accounts in question that reflect the unverified item labeled XXXX. I've already filed disputes to all 3 bureaus, but it seems that Experian is still not removing this item despite the fact and also that the rest of the bureaus have confirmed that these items are unverified. I hope that CFPB can finally step into this matter. Please let me know if you have any additional questions about this. 

Thank you! 

Best,

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 2021-03-06 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: PA

Complaint narrative:
XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX XXXX, XXXX and XXXX with no response and it is past the 30 days

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 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I was on hold for more than 5 minutes. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. ( Case # XXXX ). 

I called to pay the balance due on my card. American Express told me that no payment was due on my account and they would not take a payment even though the balance due is in excess of {$8800.00}. ( Case # XXXX ) This level of service is absurd for someone who is supposedly a good customer and has been so since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: IL

Complaint narrative:
Disputed the account with the collection agency and the credit bureau as fraudulent. Disputed XX/XX/2021 I asked for method of verification, no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Credit Technologies, Inc.
State: FL

Complaint narrative:
I have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I deposited a check ( check # XXXX ) in the amount of {$10000.00} at our local ( XXXX XXXX ) Bank of America ATM machine. The check was to be an in-bank transfer from our business account to our personal checking account. We complete the same exact deposit every month from the same ATM machine. The amount was debited from our business account but never made it to our checking account. 
We deposited two other checks ( check # XXXX : XXXX and XXXX ) for the same amount on XX/XX/XXXX and XX/XX/XXXX ... which has lead to some confusion. 
We spoke to three separate Bank of America banking agents on three separate occasions for about an hour each time to no avail. They keep saying that they are investigating the matter and that they will escalate the matter but this amount still has not been found nor returned to us.

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 2021-03-06 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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