vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I have an open car loan with Bridgecrest through XXXX. I got into an accident XX/XX/XXXXXXXX  and my vehicle I was financing was deemed total loss on XX/XX/XXXX. My current loan balance at that time on XX/XX/XXXX was {$17000.00}. My remainding balance was paid in full by both XXXX XXXX insurance and XXXX XXXX ( XXXX ) coverage. I also was due a refund from XXXX for {$490.00} which was paid to my account on XX/XX/XXXX leaving my balance at {$17000.00}. {$17000.00} - XXXX ( XXXX ) = {$14000.00}. {$14000.00} - XXXX - XXXX ( XXXX XXXX XXXX checks ) = {$690.00} on XX/XX/XXXX. From this point there should be no interest involved but there is and all my payments were being heavily thrown towards interest by Bridgecrest when I told them I wanted multiple payments put mostly or only towards principal which would leave me with no more interest. {$690.00} - {$450.00} ( the payment I made on XX/XX/XXXX ) and minus {$410.00} ( the payment made on XX/XX/XXXX ) leaves my balance at- {$170.00}. This means Bridgecrest owes me {$170.00}. Not only has Bridgecrest not reported that I made payments at all from XXXX through XXXX. Both insurance checks were paid and received in XXXX on the XXXX, XXXX and the XXXX check was paid and received on XX/XX/XXXX. Not only am I being flagged for late payments of 60 days but today is XX/XX/XXXX and I am just now receiving info on how to close account but the account should have been closed in XXXX if not the latest XXXX. I should be nowhere near 60 days late for a car I totaled XXXX  months ago. Do not do business with Bridgecrest. The thing is this process took way too long for simple tasks that should be completed much sooner if worked on with diligence. I stayed in constant communication and there was no transparency, as a matter of fact I was told I was not in credit bureau danger on multiple phone calls ; I was lied to then comforted on another call that it would all be changed at the end when it should never be wrong in the first place. Just plain out bad 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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a new protest regarding XXXX # XXXX, which I have already reported, because I received a self-righteous unilateral notice from the bank, which is very unacceptable. First of all, this bank never admits their fault. Then, they blame the customer for the consequences and responsibility, and push the blame onto the customer, silencing them. They push a messed up theory that they will not compensate customers who actually suffered economic damage because of their actions, while claiming to accept responsibility for their own actions, just by their words. When I lectured them that I was not convinced, they hung up the phone on their own, saying that there was nothing you could do because there was no way to do it anymore. How is it that you take your clients ' money and make high profits, but then put your own responsibility on them and pretend it didn't happen? Furthermore, because they do not want to be held accountable for their own and others ' words, they always force us to talk on the phone, even after we repeatedly ask them to email us. This self-righteous and coercive attitude is absolutely unacceptable. Once again I am claiming {$160.00} for the damage I have suffered.

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 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-03-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Automated robocalls to my cell phone on XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX all voicemails This company claims they partner with XXXX Hospitals in Florida At the time of calls from XXXX XXXX we had XXXX XXXX XXXX, NOTHING, No outstanding debt with XXXX Hospitals, their XXXX or their ripoff vendors XXXX XXXX has never provided any service to us When I finally had enough I called XXXX XXXX back, I had to provide all my information. This sounded to me like a scam, they wanted full name, XXXX XXXX I'm not giving that over the phone to someone who identifies themselves as only XXXX XXXX XXXX. I asked for last name, employee ids... no, they don't do that. 

I gave them a chance to proceed. I asked that they give me three birth dates of my wife 's date of birth, and if one of them is correct I will identify it and we can proceed They said they don't do that To me they were phishing for information from me and this was a scam They would not tell me what the alleged debt is for, how much etc Looking at all the reviews online, I did a wise thing. I am not alone. 
Looking at their robo call fines I did the right thing They said their calls are recorded. Good for you. Listen to mine that saw right through your scam. 

I have no files to upload as all medical bills have been paid. You should ask XXXX XXXX and XXXX XXXX to show why they are harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: OneMain Finance Corporation
State: OH

Complaint narrative:
One Main Finacial shows up on my credit report as a hard inquiry on XX/XX/XXXX and XX/XX/XXXX. When I called on XX/XX/XXXX XXXX, They have no recrod of me applying for a loan or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 

I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being. 

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: FL

Complaint narrative:
I received an unauthorized apple hard inquiry on my credit report XXXX XXXX. I called XXXX and they told me I would have to call transunion, I called like 5-6 times yesterday and today and literally no representative wanted to help. I just want the dispute removed because its hurting my credit score and I wasnt the one who gave my accounts that hard inquiry

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 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Century Debt Solutions Inc.
State: NM

Complaint narrative:
collector is desrespecful to my family members/XXXX XXXX was told of following the 7-7 law we ask him to stop calling/XXXX to XX/XX/ he has called 12 times violating the 7-7 law/he was ask not to call unless call comes from upper management/we asked XXXX XXXX the address he has on file and gave a wrong address/ we requested to sent notification letter to correct address and did not responded/XXXX XXXX works for CENTURY DEBT COLLECTION AGENCY calls from a private number every time/

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 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I sent XXXX via wire transfer from XXXX XXXX XXXXXXXX to Wells Fargo on XX/XX/2023. They money was delivered to Wells Fargo but they held the money due to a question about a word in the comments ( Water ). The question was addressed on XX/XX/2023 via an update from XXXX XXXX XXXXXXXX. The money was never released to the intending person. So after 3 weeks of waiting, I requested the money be returned back to me on XX/XX/2023, via submission of a claim from XXXX XXXX XXXXXXXX. It is XX/XX/2023 and i have yet to receive any update from Wells Fargo on the return of the funds. I have tried to call them to discuss where the money is but due to the fact that i do not have an account with them, they will not speak with me. I have asked the original receiver of the funds to speak with Wells Fargo. They explained that Wells Fargo says they have no documentation of the transaction, even though i have confirmation that the transaction was completed successfully and that Wells Fargo is holding the funds.

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 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
This is a bill for a therapy session which I was virtual. I waited for the therapist and called them several times that there was no therapist online. They charged me XXXX dollars and then kept sending this bill for XXXX dollars for missing the session. I already paid XXXX dollars that they should reimburse me back since they never provided the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
XXXX XXXX XXXX should only sell large Appliances through dealers and discontinue selling online. I purchased a XXXX XXXX online because it listed a {$400.00} discount. It was a total disaster. Later, I learned XXXX offered the same discount although they didnt advertised it. 

1. Defective Product. The large appliance was a refrigerator purchased online from XXXX. It was delivered by XXXX, a delivery and repair service for XXXX. XXXX made XXXX trips to my home and spent 3 months before the refrigerator was acceptable ( XX/XX/XXXX- XX/XX/XXXX ) : dented doors, wrong model doors, two right doors shipped together, etc. ). 

2. Incorrect Fee Charges. I accepted a deferred interest payment plan. I bank online and requested online statements ( see item 4 ). I set up all payments in XX/XX/XXXX, when the refrigerator was finally acceptable, of {$150.00} per month for 11 months and a final payment of {$110.00} on XX/XX/XXXX ( total {$1700.00} ). This equaled the total amount due on the shipping & billing document given to me by XXXX ( see documents 1 & 2 ). Apparently, I missed something as my account was charged {$290.00} on XX/XX/XXXX for deferred interest ( over 30 % average monthly outstanding? ). 

3. Bad Customer Service. XXXX banking partner, TD Retail, is impossible to communicate with. I have been working on a resolution for 3 months. I called XXXX and the automated attendant did not offer any option to speak with an individual. On the 3rd call, I tried using 0 for the operator and after a 20-minute wait, was successful in talking to a live person. That person instructed me to go to the web site onlineaccount.net '' and fill out a dispute form. I did that and filled in the form, sent it snail mail as requested and also emailed it to TD Retail ( see document 3 ). I have since dialed XXXX selecting 0 many times. Invariably I get the following results : a. Sorry, I dont have the authority to make adjustments or b : The line is dropped transferring the call to another person to assist me. Never any answers. 
4. Major Deficiencies in the Customer Service Portal. Getting the site to open is problematic. Sometimes anti-virus warns not to open the site and other times the system is down ( see document 4,5,6 ). Statements can not be rendered to the screen or downloaded ( document 7 ). An incomplete list of transactions can be rendered ( document 8 ). I have called concerning these problems, but those answering do not know how the system works and phone transfers to a knowledgeable staff invariably result in dropped calls.

Company response to consumer: Closed with explanation