vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a police report, theft affidavit and identification XX/XX/2022 the I was a victim of identity theft. Per the FCRA 605B the bureus were to remove and block the fraudulent accounts within 4 days.They did not. If they are not willing to abide by the laws I will seek out legal counsel and go to small claims court. I do not understand why they would list a fraud alert but not remove the disputed accounts opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
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 under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-10-10 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : XXXX. XXXX XXXXXXXX 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. Here are the list of items that needs to be delete in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio recovery has been calling me for XXXX years or more. This is my adult sons Debt not mine or my wifes. He hasnt lived here at our home for many years. I have informed portfolio collectors many times of this they say ok then continue to call from random numbers even from local numbers including my friends and neighbors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had been receiving emails from this company stating that they now had ownership of a debt that I owed. I was not sent any information about disputing the validity of the said debt so I sent a reply to the email that had been emailing me and asked for proof by Usps mail of the said debt and any information that had been turned over to the company on XX/XX/2022. I never received a response with the information I asked for ; now here we are XX/XX/2022 I receive an alert from my credit reporting account that a collection account had been placed on my consumer report! I had already disputed the account with the original creditor because we had entered into a settlement and because of a mishap on their end they ended up removing the information from all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are accounts that closed/charged off since 2017 that's reporting delinquent every month. 

Experian and XXXX are reporting way off scores. 

All 3 bureau are reporting 3 majorly different scores. 

Still have my name and address wrong and address wrong after sending correct info 6 times. 

reporting incorrect payment history

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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Yes I purchased a XXXX XXXX in XXXX on XXXX XXXX term deal the truck was to be paid off of XXXX but I got some advances on the truck they say XXXX to be exact so I paid the XXXX advances which made the truck pay off date XX/XX/XXXX now Ford credit is telling XXXX that I owe {$3100.00} on the truck which makes it 4 extra truck notes plus the extra months I have paid in XXXX which makes it XXXX extra payment and that is free money to whomever at Ford credit I have paid XXXX on a truck that really should have been paid off at the end of XXXX need help with this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp closed my original account without warning $ XXXX and cashed the funds out to an invalid debit card tied to a closed account because of a technical issue their app was experiencing that would not allow me to update my information prior to closing the account causing me to no longer have access to it. My XXXX XXXX  account was closed on XX/XX/2022 and CashApp sent my money to that closed account on XX/XX/2022. The amount of the cash out was {$110.00}. I have provided my bank with the transaction ID given to me by CashApp and they confirmed they do not have a record of this transaction or any other made to my bank account since XX/XX/2022 and had they sent it on the morning of XX/XX/2022, it would have been returned to the sending bank automatically per bank policy by eob on the same day. I have provided CashApp with a copy of my most recent and final bank statement from XXXX showing the account closed on XX/XX/2022 with a XXXX balance. I have done all of these things three times to many different chat support agents, phone support agents and XXXX supervisors to no avail. I have been disconnected in both chat and over the phone, and I have never once received an email or a phone call from anyone with CashApp concerning this issue, despite being told by all 3 supervisors and at least 20 different agents on both chat and calls that I would be contacted within 24 hours. Today is now XX/XX/2022 and I still do not have my money. My money. My husband of 35 years passed away on XX/XX/2022 and I lost my job as a result on XX/XX/2022 and currently have no way to support myself and I have this company stealing my {$110.00}. This is completely unacceptable and their support and service is absolutely abhorrent in nature. I expect to receive a call from an executive level escalation specialist or a manager in their payment processing team by EOB today or I will be contacting an attorney and we will not be filing a class action, but a civil/financial suit for theft by XXXX tomorrow. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
I am currently trying to get a refund on two payments that I made towards my subsidized loan from Ed Financial. I paid off the loan in full with two payments, one being {$100.00} and the other {$9500.00}. I requested the refund request through a text chat on XX/XX/22. I also followed up on XX/XX/22 to make sure the refund was in the system. 

I'm just make a complaint as they won't give me any estimate or timeline as to when the refund could be refunded. According to what I've seen online and also with friends who have previously gotten refunds, Ed Financial has told them anywhere between a few months to a year. This seems extremely long as it seems other loan providers are able to provide refunds within a few weeks to a few months. I'm just very worried that I will not be able to partake in the loan forgiveness program.

I was also told that it wasn't confirmed whether loans refunded will be eligible in the loan forgiveness program. Additionally, I would told that the Department of Education has not confirmed how refunds will be sent, making it seem Ed Financial has not/will not be issuing refunds yet, which I know isn't the case. I wanted more clarification on this as there seems to be a lot of conflicting information going around.

I wanted to get a timeline on my refund request and get my loan refunded as quick as possible. I know there is a large influx of refund requests but it doesn't seem too much to ask for a possible timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a police report, theft affidavit and identification XX/XX/2022 the I was a victim of identity theft. Per the FCRA 605B the bureus were to remove and block the fraudulent accounts within 4 days.They did not. If they are not willing to abide by the laws I will seek out legal counsel and go to small claims court. I do not understand why they would list a fraud alert but not remove the disputed accounts opened fraudulently.

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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it may Concern, I opened the bank account late XXXX of XXXX  and I have been having various issues. Each time I contact customer service and the fraud Department I get misleading information and can't access the funds deposited to my account. It has caused and causing financial distress. I have had my rent check to bounce from XXXX  XXXX XXXX  because I can't transfer my funds from Citi bank to XXXX XXXX. The closes branch to my location is in XXXX, Fl and im currently residing. in XXXX, Fl which is more than four hours away. I have taken today XXXX  XX/XX/2022 off to try and get the issue resolved. I can't wait 30-60 days for my funds. Im requesting a full refund of my deposited funds to Citi bank and the mental distress it has caused me and the bounced check and my landlords late fee compensated. I am more than confident that im not the only consumer that has had issues with Citibank ( that has caused financial distress ). 
XXXX XXXX Checking account XXXX Cell : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX does not allow me to access my free credit reports with XXXX and Equifax. 

It either gives me a number to call or says there's a problem. 

When I call the Credit companies, they say they have nothing to do with problems on XXXX and I have to contact it directly. But I don't see a number to call to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I apply for a personal loan with PNC bank in XX/XX/2022 and was denied never received the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
In XXXX, I financed a vehicle, a XXXX XXXX XXXX with XXXX miles on it. My monthly payments are {$920.00}. The field I was in, was able to take care of that monthly payment. But my contract is for 66 months at $ XXXX {$970.00}. In XXXX thats when I got laid off and soon after the pandemic happened. I couldnt find work. And I fell behind on my payment. I still have the vehicle to this day. Ive tried to ask for a deferment so my account isnt in delinquent. I make {$600.00} biweekly payments. During the year of the pandemic I wasnt employed. So I became more delinquent. I would said 10 or 11 months delinquent and I still had the vehicle. Now they call me telling me I have to pay {$11000.00} to bring my vehicle current or repossession will take place. I am struggling. I lost a child during the pandemic and it wasnt easy getting out of my situation. My interest rate is about 22 % or more. I am from the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I am writing to formally file a complaint against Comenity Capital Bank and the XXXX XXXX  XXXX. They have repeatedly made broken promises and since then have continued to add late charges on top of late charges despite having paid the bill on time and having had multiple representatives promise to waive the late fees. If they had just done what they promised there would not be an issue and this matter would have been resolved. They appear to have a systemic problem at this company of promising consumers one thing and then not following through or documenting the call properly. They also by their own admission have had representatives violate my privacy and their rules by talking with my husband. It seems to be hit and miss on when they apply that standard. Then they turn around and make numerous collections attempts. How many consumers fall into this trap and just give in and pay them. These practices need to be investigated and stopped. I urge you to have them provide you the recordings of the phone calls identified in the documentation attached to prove that they promised to waive the late charges going all the way back to XX/XX/XXXX. 

Attached is the letter and addendum that was also sent to them directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
So I sold my car two years ago which I do not owed or do not have any paper work of the car. The company lien enforcement is charging me a tow fee of XXXX for the car that I do not owe My name is XXXX XXXX XXXX. 
Address is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted a complaint about Experian reporting an incorrect address and I submitted my drivers license showing my address. Experian responded with this below : Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You indicated that there is an address that has never belonged to you listed on the credit report. You are requesting this address information to be deleted. Note we store address information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information reported the address you questioned, and it is a part of your credit history. If you believe an address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone at XXXX XXXX XXXX XXXX if you need additional assistance to determine the specific sources of particular address information on your credit report. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional information related to fraud, please visit our website at : https : //www.experian.com/fraud/center.html or you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX XXXX XXXX, XXXX, TX XXXX XXXX Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumers swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian.

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 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are accounts that closed/charged off since 2017 that's reporting delinquent every month. 

XXXX and transUnion are reporting way off scores. 

All 3 bureau are reporting 3 majorly different scores. 

Still have my name and address wrong and address wrong after sending correct info 6 times. 

reporting incorrect payment history

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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Last month regions charged me for an overdraft fee when I know I had the correct amount of money in my account. They couldnt explain the fee and said that I would get the money back, but I never did. They still took the {$36.00} from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation