vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a complaint on XX/XX/XXXX to CFPB regarding unauthorized credit inquiries on my TransUnion credit file. TransUnion responded on XX/XX/XXXX stating they needed more time to investigate and would respond within 60 days. I got their response on XX/XX/XXXX that my complaint includes a dispute of information appearing on my credit file and that they would enter my dispute into the system. I have already disputed these items and never received any response from the company on the dispute which is why I filed a complaint. The items ( attached ) were disputed XX/XX/XXXX by certified mail to TransUnion. The reason that I filed a complaint was because they never deleted the disputed information nor gave an update on the disputed information which has been over 2 months ago now. There shouldn't have to open up another investigation to the same things Ive already disputed, as they shouldn't even still be on my credit file, and especially since it's been 2 months and I was never updated on the original dispute, and the information wasn't deleted after 30 days. I have also attached a copy of my original dispute with the companies ridiculous response to this complaint so they can make this make sense.

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 2020-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
2 days ago I had a XXXX Credit Score with " Exceptional '' [ Experian ] payment record. It is now XXXX! I was trying to raise my Score using Boost, etc. I applied for Credit and was DENIED with a Hard Credit hit ; those stay on TWO YEARS! [ should be made Illegal for more than 6 months ] It was because Experian FAILED to remove a XXXX XXXX   account CLOSED for OVER 2 Months! Then, Experian SENDS ME a Credit Card application stating it would " Give me more Credit THUS RAISING MY SCORE ''! [ I have been trying to get over XXXX! ] Sooo, I APPLIED right from their email and BOOM! DENIED!! with YET ANOTHER HARD CREDIT HIT! I also see I am IN the EXPERIAN BREACH file!!! A {$20000.00} lost since XX/XX/2020 can be claimed BUT it doesn't ASK THE RIGHT QUESTIONS! I LOST {$16000.00} LOAN because of faulty Experian data, NOW! And the reduction, NOT INCREASE, on my Score due to the above!! I THINK EXPERIAN SHOULD PROVIDE A [ OUT OF COURT, For NOW,!!!!!! ] SETTLEMENT OF : THE $ XXXX LOAN LOSS AND REMOVE >>>BOTH<<<HARD CREDIT HITS!!! AND REPAIR MY SCORE!! My LAST COMPLAINT isn't even RESOLVED YET!! And, now THIS!! 
I have screenshots and emails OF ALL THIS! [ Nice, tasty, Court documents for the right ATTORNEY ] IF I have to GO TO COURT.. I'll NEED TO >>>XXXX<<<TEN TIMES as MUCH for the XXXX XXXX fees! With a FAIR JUDGE, I'll WIN. Credit Bureaus will XXXX consumers BUT when THEY, or LENDERS, 'stub their toe ' NOTHING HAPPENS TO THEM! And NO CORRECTIVE Action without WASTING OUR 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 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
I was transported and admitted into XXXX XXXX hospital by helicopter after I as a result of being in an auto accident in 2017. I had insurance though XXXX XXXX that covered my stay at the hospital and all bills included in the stay. I was taken downstairs to discuss the bill at the hospital. At the time I was released and discharged from XXXX XXXX Hospital shorty after I received a finale bill for my services as I have included this bill as Plaintiffs Exhibits A. As per the bill the balance on the account was {$5000.00} at which I had a check in the amount of {$5000.00} sent to XXXX XXXX at which would of just left a balance of {$31.00} on the account. As you can see the bill was adjusted or negotiated by XXXX XXXX that allowed some adjustments or write downs so that XXXX XXXX would pay the bill. XXXX XXXX then sent me a bill showing the balance owed at which I had the funds appropriated and sent to pay the remaining balance of {$5000.00} paid in full. 
I DISPUTE THIS BILL AND DO NOT OWE THE BALANCE. I WANT ALL COPIES OF ALL THE PAYMENTS MADE TO XXXX XXXX XXXX XXXX XXXX XXXX IN CONNECTION TO THIS BILL THEY STATE THAT I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.

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 2020-05-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.

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 2020-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
I received a letter from Receivable Recovery Service LLC dated XX/XX/2020. The letter stated Notice of Default with a balance of {$330.00}. I logged onto their system XX/XX/2020 disputing the account and asking for validity of debt. Please note that this company violated the FDCPA laws because for one they reported it on my credit XX/XX/2020. Which was before I even received the letter which stated I have 30 days from the date of notice to dispute the validity of this debt. I made aware of this being reported on my credit through an app called XXXX XXXX. This company made a negative remark on my credit and back dated it to XX/XX/XXXX with a mark saying disputed by the consumer! They did partially respond to my request for validation of debt but they did not provide all requested documentation for an account that does not belong to me. They responded on XX/XX/2020 and I asked for documentation on XX/XX/2020 to the person with an email address of : XXXX I never heard anything back from them. A copy of communication is attached to this complaint. They have violated a lot of my consumer right and have made a negative remark on my credit! They need to be fined and they need to delete this from my credit history! For one I dont owe and didnt owe the debt. Once I saw it on my credit report I freaked out!!! I paid half which they didnt even report that payment until I threatened this on XX/XX/2020. They updated the payment and still once again ignored my request of proving me with proof that the account belonged to be. They never provided proof that they are licensed to collect in my state which is Florida. 
They were inconsistent with the amount due! The letter stated {$330.00} and they reported to the credit bureau as {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This is a very simple complaint. When I began struggling financially BMW called wanting me to pay them or give them the vehicle. They even told me if I let them take the vehicle and it sells for more than what I owed or I paid the deficiency off, They would delete the entry from my credit report. After hearing that I let BMW repossess the vehicle. I do see on my credit report BMW has a {$0.00} balance but that isn't the point. One, they never sent me a letter showing what the vehicle sold for. Two, I can still see it on my credit report even though they promised a deletion. Three, when I call BMW regarding the situation, they tell me I can't speak to a manager and they don't escalate calls. 

Bottom line is they need to delete this from my credit report as promised. If not, then they need to give me a disposition of vehicle. For all I know, they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America 's handling of my closed accounts made me feel unsafe, powerless and left me without my checking and savings funds for 12 days, in the middle of a global pandemic. The complaint is about both my checking and savings account with Bank of America. I have been a Bank of America customer since XX/XX/XXXX. 

On XX/XX/XXXX, I tried logging into my mobile banking app, when I was denied access and directed to call customer service. When I called, I was notified that BofA closed both of my checking and savings accounts for, as the customer service rep put it, " business reasons. '' I was given no explanation and told that the bank has the right to do so. I was also told that my remaining funds, {$4000.00} in savings and {$6400.00} in checking, will be mailed over to me in a cashier 's check. When I asked when, the rep said he doesn't know yet because my case is so new, and to call back the next day. Mind you, I was given NO notice of accounts being closed, and was basically left with no cash, as this was my only checking account, in the midst of a PANDEMIC. 

On XX/XX/XXXX, I call back and am told that my check has been mailed via regular mail, but the customer service rep doesn't know when the checks will arrive. 

On XX/XX/XXXX, I receive some random letter from them, titled " Advice of Credit '' and dated XX/XX/XXXX. 

On XX/XX/XXXX, I take the said " Advice of Credit '' and go to speak to a BofA banker. The banker calls BofA on my behalf and asks what's up with my checks. He is now told over the phone that my checks were mailed on XX/XX/XXXX, instead of XX/XX/XXXX, as I was previously told over the phone by BofA rep. 

On XX/XX/XXXX, later in the day, I finally receive the NOTICES about the decision that my accounts are being closed. The letters are dated XX/XX/XXXX, but the notices arrived XX/XX/XXXX, 9 days after my accounts were closed. In the meantime, a letter is mailed to my old address in California (??!! ) that my credit card was closed too. 

On XX/XX/XXXX, I finally receive my checks. My account was closed on XX/XX/XXXX. In the middle of a PANDEMIC, my bank that I trusted since XX/XX/XXXX held my own funds for 12 days without an explanation. And frankly, the fact that they closed my accounts didn't bother me as much as the way that they handled the process, and left me borrowing money from relatives for rent or using credit cards to buy food. 

I believe the bank has all the call logs and recordings saved, including the one from the banker, and they can easily listen in to double check all of the dates and claims I have made here. Their notice letters are dated XX/XX/XXXX, but the envelope is dated XX/XX/XXXX, and it only arrived on XX/XX/XXXX. And the actual checks arrived two days later.

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 2020-05-25 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: HI

Complaint narrative:
I bought a 35 mm camera at XXXX.When there I applied for a XXXX XXXX card.The date for this was XXXXI applied for the XXXX  card because I wanted to save {$25.00} on the purchase of the camera. Equifax gave them my past history.It was never revealed to me what past history was used. There is a Statute of Limitations for Debt collection. I want Equifax to put in writing the reason I was turned down. Not 'due to your past history etc. 'What 's the reason? Where are the facts? 

sincerely, XXXX XXXX PS. Your Complaint process is too long and hard to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX  are reporting accounts that have been sold and inaccurate information and misleading that make accounts look like they are active when they are not .I feel like they are not investigating like they should. I get my results back as updated and nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not 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
Consumer complaint received 2020-05-25 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
Dear CFPB, I had merchandises transactions online in US has been disputed since XX/XX/2020. I asked help from PayPal Resolution Center ( PPRC ). The date reported to PPRC was XX/XX/2020. Since the first time I disputed to this seller, I did not agree that I had to return these merchandises back to XXXX, since I did not know, this seller located in XXXX and had return policy to XXXX. There was no exchange policy. The seller offered me a small discount and keep the merchandise. I don't want to keep this byproduct merchandises. This seller was a fraud by pushing customer to keep its stuff and acting as seller who located in US. I ask my money back ( {$59.00} ). Later, The PPRC instructed me to return back to XXXX even I already complained about this problem in the first place. There was no other option in PPRC final instruction. It means that if I did not return back to XXXX, I will loose total my money. This PPRC solution was bad for me as customer. The purchase protection which the PPRC advertised in their website was not working for me as their longtime member. The shipping cost to XXXX by USPS was {$43.00}. So, based on PPRC, I did not have choice, I sent back this merchandise to XXXX on XX/XX/2020 and gave the PPRC the tracking number ( XXXX ) right away. I have been checking frequently the status of this shipping on USPS website. Until now XXXX XX/XX/2020 ), the shipping is still in transit in XXXX XXXX. Suddenly, I got email from PPRC that my case is closed and I did not get the refund. I tried to contact PPRC unsuccessfully. I tried to email them back, but there was no response from PPRC. Why did PPRC close the still-in progress case?? PPRC only cared the seller. Actually PPRC did not care their member or customer. I am very disappointed. I have nothing now and I lost {$59.00} + {$43.00} ( since the merchandise still in XXXX XXXX due to PPRC stupid instruction, pushing me to send the merchandise back to XXXX. I lost {$59.00} + {$43.00}. It's not fair. Thank you. Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted the proper documents showing that i was the victim of Identity theft. Please solve this problem ASAP.

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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted the proper documents showing that i was the victim of Identity theft. Please solve this problem ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted the proper documents showing that i was the victim of Identity theft. Please solve this problem ASAP.

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 2020-05-25 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:
Experian are reporting accounts that have been sold and inaccurate information and misleading that make accounts look like they are active when they are not .I feel like they are not investigating like they should. I get my results back as updated and nothing changed.

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