vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 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: NY

Complaint narrative:
Good afternoon, Five years ago, I did take out a loan with Credit acceptance. Unfortunately the past two years, I have had significant health challenges that led to my need to create payment plans. There were several times that I spoke to credit acceptance and the representative did in fact say that as long as the payment plans were in place, I would not have a mark on my credit. However, upon reaching out to the XXXX, the representative in compliance, better known as " Z, '' called me. She was extremely abrasive and informed me that she would not review all of the calls and would not make any changes. Additionally, she said that she didn't believe that the XXXX dispute said that the company would make changes. I know that this company is a sub prime lender but at the time, I was in college and needed the loan. Please help as this is the only thing that is derogatory on my credit.

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 2020-08-23 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
At the range me of my lease with Hyundai Motor Finance, I never received a bill for the end-of-lease payment. I called the company, and was told they would mail it again. 
No bill I called again and they said it would be emailed. I finally got an email and mail, but it was just a notice of privacy. 
Finally last month I just paid the amount, without knowing what it was for - because they reported me as delinquent and it affected my credit score. 
Still no bill, and my credit score went down over 100 points.

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 2020-08-23 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: IL

Complaint narrative:
TransUnion did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.

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 2020-08-23 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX. XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently  conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Good afternoon, Five years ago, I did take out a loan with Credit acceptance. Unfortunately the past two years, I have had significant health challenges that led to my need to create payment plans. There were several times that I spoke to credit acceptance and the representative did in fact say that as long as the payment plans were in place, I would not have a mark on my credit. However, upon reaching out to the XXXX, the representative in compliance, better known as " Z, '' called me. She was extremely abrasive and informed me that she would not review all of the calls and would not make any changes. Additionally, she said that she didn't believe that the XXXX dispute said that the company would make changes. I know that this company is a sub prime lender but at the time, I was in college and needed the loan. Please help as this is the only thing that is derogatory on my credit.

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 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Filed dispute with pro collect inc. on XXXX.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt. 
5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.

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 2020-08-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My credit report states that there is a Wells Cargo credit line in my name opened on, XX/XX/XXXX then reported delinquent on XX/XX/XXXX. 

As this is an account that I have paid off with certainty and with an organization that is notorious for the mistreatment of its customers, I would like to request all applicable paper work, transfers of debt, collection agency actions, and other relevant information in order to dispute and ultimately remove this off of my credit report.

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 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has been unhelpful and evil during this pandemic. I and millions of Americans are suffering during these trying times and yet, this company refuses to at least help me and others by refunding overdraft and return item fees knowing that much of our income has been less as a result of this pandemic. My state, Arizona still has restrictions, therefore I am unable to make as much income as I did before the pandemic since my work relies on the entertainment, food, bar and tourism industries. 

I am very close to closing my accounts with wells Fargo due to their lack of empathy and am now formally demanding that they refund me all {$410.00} in fees since the pandemic began. 

I just graduated from college into a world in which I can't get a job with the degrees I have because of the pandemic. I am a single father who recently moved into a place that I could barely afford. 

Please show some empathy here, you guys make enough from OD and Return fees, why let your greed disenfranchise others who are dealing with the hardest months of their lives! 

I've just about had it with this company and have zero problems refusing to do business with a company that fails to care about their customers. shame on 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 monetary relief
Consumer complaint received 2020-08-23 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: IL

Complaint narrative:
Equifax did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
This company has put a debt on my credit report that doesn't belong to me, how can I owe this debit when another company outside of this company is trying to collect from me as well on the same debit. this is very frustrating as this is hindering me from getting credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This bank is horrible its not fair the way they treat me horrible I reported that I cant use my card it asks for a PIN number which is ridiculous when its a credit card not a debit card when I try to use XXXX XXXX at a store it asks for a PIN number its not fair now they put a hard retriction my card was declined I call and find out their is a restriction I asked why they refused to remove it or help me to use my account how is this fair when I was approved these people this bank is the worst horrible they like to bother me and aggravate me they enjoy torturing me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020, I mailed them a Request for Refund in the amount of {$11.00}. On XX/XX/2020, I used a FREE ATM Machine of theirs ( according to their website ) and obtain {$100.00}. Their website stated that this particular ATM was theirs and no fees would be charged. When I obtained the {$100.00}, the machine did not alert me of any additional fees charged if I received this money. On XX/XX/2020, the credit card company charged me a fee of {$10.00} and added interest fee of {$1.00}. As of today, XX/XX/2020, they have not responded to my complaint, but they have charged me an additional interest fee of {$1.00} ; bringing a total of {$12.00} in erroneous fees. 
I should not have to pay any fees or interest on ATM machines that are theirs.

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 2020-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XXXX XXXX inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : ( XXXX ) XXXX ). XXXX XXXX wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to XXXX XXXX XXXX  quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very racist joke about the political organization, Black Lives Matter. She stated " well all bank accounts matter '' when I asked for a supervisor. XXXX XXXX  has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On approximately Thursday Saturday XXXX XXXX, I tried to access my JP Chase mobile app with my username and password. Once I put in my user name and password, a screen popped with a screen message called Disclosures and Agreements. Apparently chase bank will not allow you to access your accounts on the app on my phone and desk top unless I sign the Disclosure and Agreements. I did not discover this until that Thursday morning  when I was running off to work and I needed to get gas. So the choice was to check off that I was going to sign this agreement without reading it just so i can see what's in my account to pay for gas. And the agreement is in extra fine print and full of legal terminology that only an attorney can truly understand. So I went back home got cash from my wife returned to the gas station, got gas and got to work late. My question is why doesn't chase give you the option to bypass this screen so you can see your money and be able to go back to this screen and read these Disclosures and Agreement when you are not under pressure to sign which amounts to signing something you may not fully understand or under duress. It's almost of form of coercion. So later that day I stopped at a branch to ask for some help or clarification. They explained to me that this Disclosure and Agreement is made available to new account users or those people who recently opened an account with Chase and online. I have been with Chase for over twenty years ( I actually can not wait to be done with this bank ) and I have been using the mobile app for years now. So this Disclosure and Agreement shouldn't apply to me. But somehow right now, It's  affecting me. This past Wednesday XX/XX/2020, I had to leave home and drive to a nearby branch to access and transfer money to pay my daughter 's college tuition. This is a serious inconvenience. You're at an atm dealing with money and you're conducting your banking which is very dangerous because you're dealing with money and your attention is divided between account transactions and your surrounding. Who knows who's watching you. Why do I need to sign this Disclosure and Agreement before I can access my account? Are they allowed to do this? And why don't they give users the option to bypass this agreement until they have time to settle down and properly in their convenience review and sign or opt out or not sign this Disclosure and Agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Im looking at my Credit Reports and XXXX and Navient are asking for payment along with charging interest during this Pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My dispute is with Capital one credit card. I signed up for a free trial with XXXX and when I went on their website to cancel the subscription I could not because the page was no there. So I called capitalone and they gave me the phone number. I called that number and the number was non working and that number directed me to the website for issues. So after that, I called capitalone to dispute the charge. I called in multiple times and finally got it fixed. Then the next month I received another charge from XXXX. This was not supposed to happen because capitalone should have blocked the merchant. I called capitalone one again several times to complain then I received a notice stating that I will be charged the XXXX for the XXXX purchase that I did not make. I canceled. The I called a few more times and had to wait a half hour or more for a representative. Then they told me that another letter went out saying that I do not have to pay this charge and I have yet to receive this letter. This is ridiculous I should not have been charged again. I had to get a new charge card and block the merchant again. Not to mention that when I did call, the Indians on the other line asked me every verifying question there was. It got to the point where I asked them '' do you want my blood type too. '' I bring this up because I feel this was XXXX. You are only supposed to ask for 2 verifying questions if someone comes in unverified. I feel they did this because I'm XXXX and I guarantee they don't do this to everyone or they would have many more complaints. 
XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX is the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA and HIPAA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the company. If Collection Service of XXXX does not have any documentation, they need to remove this from my credit file immediately. 

This debit collector has yet to provide a signed document with myself and them in any agreement and i would like it 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 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Filed dispute with portfolio recovery associates onXX/XX/2020.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt.

5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Every so for time I out money in my pay pal account or someone wants to pay me they pay me then limit my account so I can get to my money they are constantly taking my money and not letting me take it out I have had this account fir years and im tired of it I want my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: AL

Complaint narrative:
I have sent 4 letters to TransUnion asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.

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