vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: NV

Complaint narrative:
We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received beforeXX/XX/2020. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called XXXX  and Equifax in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Investigation took more than 30 days
Company: Millco Management
State: FL

Complaint narrative:
I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
For several years during the period between XXXX through XXXX Santander Consumer USA Inc. made auto loans it knew low-income and subprime borrowers could not pay. Santander violated consumer protection laws by locking subprime borrowers into loans it knew, in some cases, carried default rates of greater than 70 %, according to a statement from California Attorney General XXXX XXXX. California was joined in the suit by the top lawyers of 32 other states and the District of Columbia. Santander reached a {$550.00} XXXX dollar agreement to settle charges. The lender is set to pay consumers {$65.00} XXXX in restitution. The bulk of the settlement- {$470.00} XXXX comes in the form of loan forgiveness.I have submitted requests to all credit reporting agencies and the company to have this matter removed. to date no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: IL

Complaint narrative:
I am a federally protected consumer and Avante USA has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Social Finance, Inc.
State: CA

Complaint narrative:
SoFi finally didn't open an investment account for me because of my nationality. It seems an act of DISCRIMINATION because I am a XXXX XXXX of USA and there is no restriction for residents. 

I asked them to delete all of my information from their system as they are GDPR-compliant, but finally they sent me the attached comment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Only a single bureau or agency is reporting this account negative and I do not understand why they are doing this. Please help me get this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am a federally protected consumer and I.C. System, Inc has violated me under the provision of 15 USC 1692. Please review attached documentation.

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 2020-12-09 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 — Investigation took more than 30 days
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo ADVISORS ARE XXXX AND XXXX. I OPEN A CHECKING, SAVING AND BROKEAGE ACCOUNT, THEN ALL OF A SUDDEN MY ACCOUNT IS LOCK BROKEAGE. I CALLED THEY SAID GO TO BANK FAX SOCIAL CARD. I DID IT STILL LOCK. I CALL AGAIN NOW THEY CHECK STUB RENTAL LEASE FOR ME TO OBTAIN MY OWN MONEY. I TOLD THE GUY I FEEL LIKE YALL TREATING IN A XXXX  AND HE SAID IT MIGHT JUST BE THAT. I HAVE NO MONEY OR HOLIDAY GIFTS. I REALLY TIRED OF THIS XXXX  XXXX WORLD WHERE XXXX SUPPOSE TO BE POOR

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 2020-12-09 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: MA

Complaint narrative:
On XX/XX/2020 US Dept of ED, increased my debt by {$1.00}. This somehow diminished my credit score with both TransUnion and XXXX. There should be no activity on any student loan due to the CARES ACT 2020, this act suspended all payments and set interest rates at 0 %. so how does {$1.00} get added to my account during a pandemic? Retaliation is exactly what this is and violation of a Federal Act. All three companiies/Corporations should be ashamed of themselves, its so oblivious what they did. My XXXX  score dropped dramatically due to the {$1.00} add on to a closed accounts.

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 2020-12-09 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: MA

Complaint narrative:
On XX/XX/2020 US Dept of ED, increased my debt by {$1.00}. This somehow diminished my credit score with both XXXX and Equifax. There should be no activity on any student loan due to the CARES ACT 2020, this act suspended all payments and set interest rates at 0 %. so how does {$1.00} get added to my account during a pandemic? Retaliation is exactly what this is and violation of a Federal Act. All three companiies/Corporations should be ashamed of themselves, its so oblivious what they did. My FICO score dropped dramatically due to the {$1.00} add on to a closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The disputed company debt represents medical expenses. The specific debt was discharged in bankruptcy so it is considered SETTLED, thus according to the legal statute below, should be deleted from the credit file as it relates to being medical debt. Please delete from the credit file. 

With further respect to the Medical Debt Relief Act of XXXX, please recheck the application of health insurance is properly applied to the account and institute a 180-day waiting period before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.

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 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX the XXXX I went into Bank of America on XXXX XXXX. to make a withdrawal of XXXX. The teller was getting ready to give me my funds but the bank manager XXXX comes over and tells her not to give me my funds. I received my money from a settlement check. The day before the bank told me to deposit it and come back the next day to receive funds. The check was verified and cleared. When I came in the next day In was told my account had been flagged for fraud by the fraud department but when I call they tell me that the manager XXXX had personally froze my account it was in the supervisors note 's. She was very rude and condescending when I tried to speak with her so I sat in the lobby to wait and discuss my account with someone who works there and she instructed all employees not to help me. On top of that she kept helping everyone who came in the bank and not me. She also called the police on me and they had me detained on fraud, when the check and already been cleared and verified So not only did I not receive my funds but I was humiliated because of being stereotyped. There were no legal basis for what was done it was all personal. The manager was very unprofessional. I am a victim of discrimination by Bank of America.

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 2020-12-09 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
This company keeps on holding on my transactions ... they will process the transaction and let me wait for a long time!! And just to see them hold my XXXX money!! And customer service is telling me different reasons why a hold is in process!!! my point is why do they get the money if their not sure yet!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I received a email from XXXX stating that Equifax put a Fraud Alert because I was a XXXX XXXX and Not to lease an a Apartment to me, and that I had Not Paid Off my Home, and that my Credit Report was erroneous! Also Equifax Reduced my Credit Score by 52 points and these XXXX are still Toying with my Credit Report big boy style with XXXX XXXX  aggressions to-date, but Im a Fighter, I Fight Back! These XXXX are coming at me in a real way, and I got to show them in a court setting I Fight Back and Im going to take their money for XXXX with me for the past 26 years with their XXXX XXXX  acts!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: I.C. System, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 collection agency IC Systems reported an open balance of {$1000.00}, I contacted the original creditor XXXX XXXX and XXXX  to advise them this was included in Chapter 7 discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: NY

Complaint narrative:
After checking my credit report I noticed a derogatory item on my credit report saying that I owed {$1700.00}. I wrote a letter to the collection agency to dispute a derogatory item on my credit report that they reported to the credit bureaus. On XXXX XXXX they received the letter that I sent certified mail .in the letter, I told them that I am not responsible for the debt they are reporting on my credit report, and asked them to stop reporting the debt on my credit report. And to stop all collection attempts of the debt, and I also asked for them to verify the debt if they dont stop reporting the debt on my credit report. It has been more than 30 days and they have not responded to me in any way or not have they deleted the item off my credit report report, or stop attempts to collect the debt. which is a violation of section 611 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: AZ

Complaint narrative:
On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and XXXX  to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and Experian to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.

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 2020-12-09 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 — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Nelson Cruz & Associates LLC
State: NC

Complaint narrative:
sent two letters one on XX/XX/2020 and the other one on XX/XX/2020 to Nelson Cruz about an account reporting on my credit a formal notice that claim disputed requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspond-ing local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  And XXXX ) from your company or any company that represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA : Therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have not heard from them in 60 days but they stated on my XXXX  report that the Outcome Remains-The company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of there processing of my dispute.How is this fair and accurate I have never signed a contract with them nor any company they represent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CADENCE BANCORPORATION
State: AL

Complaint narrative:
In XXXX of 2020, I received a card dated XX/XX/2020 stating my certificates of deposit at Cadence Bank in XXXX, Alabama were up for renewal and I had ten days to respond or the CDs would automatically renew for the same term at the interest rate in effect on the maturity date. I called the toll free number and it went to the bank in XXXX, Alabama. A female employee told me she would ask someone in the XXXX branch to contact me. A few days later, Ms. XXXX XXXX, Branch Manager of the XXXX Cadence Bank, called me. We discussed the CDs and I agreed to renew the CDs for six months at a rate of .60 % which she stated was the rate the bank gave to their customers who had had accounts for years. She asked me to come in and sign the forms. Because of the Covid 19 pandemic, I told her I was in the high risk group and did not feel comfortable coming into the branch to sign the forms for renewal. She agreed to put the forms in the mail the next day for me to sign and return. However, I never received the forms. When I called her two weeks later, she apologized for not sending the forms and promised again to send the forms. I did not receive these forms either. I called for a third time and she again promised to send the forms. 

( See attached sheet )

Company response to consumer: Closed with explanation