vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 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: IN

Complaint narrative:
I am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) I have not been able to reach Equifax. They are unavailable over the weekends

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: IN

Complaint narrative:
I am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XX/XX/XXXX ). Date for contact to finance company ( XX/XX/XXXX ) Date of communication with finance company representative ( XX/XX/XXXX ) Date of contact with Experian ( XX/XX/XXXX ) Date of contact with XXXX  ( XX/XX/XXXX ) I have not been able to reach XXXX. They are unavailable over the weekends

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 2019-08-31 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:
I had a month to month contract with XXXX while in NY. I called in XXXX of XXXX to end the contract, returned my equipment and give them my new address as they told me there MAY be a final bill sent to me. 

I didn't receive any bills from XXXX. In XX/XX/XXXX I received notice from a collections agency ( at the new address ) that I was in default. I made the payment after receiving the notification. 

XXXX reported late payment and that the money was in collections from XXXX until XXXX of XXXX after I reported the error and tried to contact XXXX directly ( at which time they told me they had record of the final bill dated at the end of XX/XX/XXXX ( more than 2 months after I had terminated the service. That " supposed '' bill was never received. 

I would like the late payment and collections removed from my credit report as any requirement to send this bill to collections was a direct result of XXXX not completing their billing correctly to my new address in a timely manner, and is in no way a reflection of my ability or willingness to pay my bills on time. 

This is not the first time I have had an issue with XXXX when ending service with them, which tells me it is a systemic issue, but it is the first time it has gone so far as to permanently affect 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 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I spoke to the company and provide documentation that I had other insurance. I filed a small claims writ and summons against the company to appear in court. The company never sent a debt validation or any policy documents obtaining my signature of insurance acceptance from progressive which is mandatory by state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: OH

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and XXXX XXXX is the bank loan holder. But, when I printed my TransUnion Credit Report No. XXXX I had to dispute a record under regular inquiries for XXXX XXXX dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank XXXX XXXX. They both said they didn't do it, then TransUnion instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in TransUnion Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!

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 2019-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX, I withdrew {$32000.00} from my account at XXXX and purchased a cashiers check. I went to Bank of America and deposited the cashiers check in to one of my DDA accounts. Bank of America placed a 10 day hold on the cashiers check stating they dont know when they would get the funds. I tried to get the hold removed on XX/XX/XXXX and again on XX/XX/XXXX! With real time payments we all know the funds were at BofA and you can not put a stop payment on a cashiers check. Why do they still have the outdated 10 day hold?? They are denying me access to my cash deposit as a cashiers check is supposedly the same as cash!

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 2019-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I had a private student loan with Citizens Bank which was being serviced by XXXX. Evidently the amount of time I can have in deferment had reached its maximum time even though I am still in school and ALL other private and federal loans were in deferment. 
XXXX closed out my student loan and sent back to Citizen Banks without notifying me of this. XXXX did state I was qualified for a temporary 3-month forbearance and then would have to make payments but I was not notified or informed of this. Citizens Bank charged-off the account and has refused to allow me to make payments as requested. Citizens Bank has refused to put anything in writing. XXXX record was sent to online inbox which is unmonitored and I never received a copy mailed to me and both Citizens Bank and XXXX have refused to show proof that I was mailed letter of account status. 
Citizens Bank has wrongfully places charged-off on credit reporting agencies. This matter has been referred to California Attorney General and Depart of Education for formal complaint. I have filed complaints with credit reporting agencies and this issue has been sent to legal representative for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I don't believe any of the choices offered to me adequately describe my issue. 

This is a follow-up to Complaint ID # XXXX which was not resolved to my satisfaction. I am requesting that this matter be reconsidered. In its response to my original complaint, Bank of America states : We have not received additional claims filed against the account in question. In fact, there was a fourth claim that was either misplaced or mishandled. I have attached a copy of the Declaration of Unauthorized Endorsement which was submitted by XXXX XXXX sometime after XX/XX/2018. I have also attached a copy of the check that is the subject of this claim. Please review the additional information provided.

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 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I signed up for the American Express Blue Cash Preferred card on XX/XX/2019. I signed up after clicking an internet link that I believe promised the following terms : A. first year annual fee waved, then {$95.00} thereafter B. A {$300.00} rewards bonus after I spent {$1000.00} with my card in the first three months. 

When I contacted the company via their website chat feature, they said I was eligible for neither of these terms. They said they would open an internal investigation and that was it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
2nd time XXXX  XXXX put this in collection, we are allow to XXXX XXXX XXXX, this was once clear and then on the reported again. Got no notices saw this on 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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Green & Sons Agency, Inc.
State: OR

Complaint narrative:
Outsource receivable debt collector for XXXX XXXX. With full knowledge that I'm a victim of identity Theft and that I'm not responsible for their errors in posting deposits on checks written to me for sale of my property, saying the checks cleared and I can withdraw funds as needed!!!! Later starting investigation, having the police speak with me, finding I'm the victim of a scheme. Then contacting the bank, being promised the debt will be CANCELLED.!!!! None of the above was ever done clearing MY NAME. WHICH IS VIOLATION OF MY CIVIL RIGHTS,, INCLUDING THE 8TH AMENDMENT.!! I NEED HELP SUEING ALL PARTIES.!!!! TRULY, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Collectors keep calling me even after I offered an amount of {$200.00} to settle my debt since they bought the debt for pennies on the dollar. They refused and continue to harass me during my working hours disrupting my work day. It is a constant harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 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: FL

Complaint narrative:
Waiting on the removal of last item on my Transunion 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 2019-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2019 Speedy cash withdrew XXXX from my account. And I did not give them authorization to do so. They need to show a present contractual obligation for them to do so from that account. This is theft, if you take something that you don't have authorization to receive. Shame on you speedy cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: DE

Complaint narrative:
I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. XXXX   continues to display variations of incorrect names of other people, and TransUnion has submitted their responses late after 30 days on two occasions.

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 2019-08-31 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: DE

Complaint narrative:
I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). Equifax, in particular, has also failed to correct my name on my credit report. XXXX continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 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: DE

Complaint narrative:
I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. Experian continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.

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 2019-08-31 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and Ally Financial is the bank loan holder. But, when I printed my XXXX  Credit Report No. XXXX I had to dispute a record under regular inquiries for Ally Financial dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank Ally financial. They both said they didn't do it, then XXXX   instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in XXXX Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!

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 2019-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I spoke to Regional Acceptance company on or around the XXXX of XX/XX/2019 and explained I had lost my job in XXXX and was having financial trouble, The woman offered me a 2 month deferment, and said it would be for XXXX and XXXX, I told her i had already sent in a partial payment for XXXX she said that would be credited for XXXX, and the remainder would be added to the bill after the two months of XXXX and XXXX where i would receive a bill XXXX instead of the XXXX. I told her that would be fine. I received a notice from credit monitoring that I had a new derogatory remark on my credit of 30 days late. I call regional acceptance today and they said I had no deferment and that I missed my XXXX payment. I asked for a supervisor, a supervisor then told me they had mailed me a letter that I had to sign and they never got it back, and that I was never given a deferment, that i had only made a request for one. The person i talked to in XXXX, never said i was applying for a deferment, or that any paperwork needed to be fill out, she plainly stated she was giving me a 2 month deferment, When I complained to the supervisor, he then only offered a one month deferment if I sign some papers and send it back and that he would not remove the 30 days late on payment from 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 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays credit card account, Barclays offers a lock card feature that disables any charges from being made to your credit card when enabled. I enabled this feature on one of my Barclays credit cards on XX/XX/2019. In May there was a fraudulent charge made against my Barclays credit card that was locked. Barclays never contacted me regarding this. On XX/XX/2019 Barclays reported my account delinquent to all 3 credit bureaus, causing my credit score to drop between 80-100 points ( depending on the bureau ). I got an email notification that my score dropped and started checking all of my accounts. I finally checked my Barclays locked credit card, thinking it couldnt be this card because it is locked. Well, it was that card. Immediately I called Barclays to find out  whats going on. The customer service representative I spoke to acknowledged their mistake. He couldnt determine how or why my card was charged while it was locked but admitted it was a security flaw on their end. He told me all fees would be reversed and I wasnt held liable for the fraudulent charge. He also issued a new card with new card number. A few days later I checked my account and the new credit card was now unlocked but the late fees remained. I locked the card, and then called Barclays again. After waiting on hold for over 30 minutes I spoke to another customer service representative who again apologized for the inconvenience, and reversed the late payment charges. I raised the concern that I would like these updates to be reflected on my credit report since their initial reporting was 100 % inaccurate and false and my credit score dropped significantly. She told me that if I have any account disputes that I needed to submit them to the credit bureaus. I feel this is wrong and I, the consumer, is the only one paying the price for Barclays mistake. Barclays clearly states in the lock card disclaimer that no charges can be made to this card without unlocking it or my approval, this includes fraudulent charges. Barclays clearly allowed a fraudulent charge against my credit card that was locked for 3 months prior. The fact that Barclays quickly reported my account delinquent/negative but would not take any steps in fixing their mistake is a problem for me. Ive worked very hard to improve my credit and credit score and I feel very wronged as a consumer when I didnt do anything to cause the negative impacts and Barclays takes no accountability to correct their mistake. I would like my credit score and my credit report to have these negative marks removed permanently, and I would like my credit score restored the what it was prior to the fraudulent negative remarks. 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