vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have multiple inaccuracies with XXXX XXXX ( XXXX ) Account on my profile. The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX XXXX XXXX shows repossession while XXXX shows 90 days late for payment status! XXXX, XXXX XXXX XXXX are also showing the following inaccuracies : Monthly Payment : XXXX {$190.00} XXXX- {$0.00} XXXX- {$190.00} Date Opened : XXXX XXXX XXXX XXXX : XXXX- {$6800.00} XXXX- {$6800.00} XXXX- {$6600.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX Due : XXXX {$990.00} XXXX- {$990.00} XXXX {$590.00} Payment Status : XXXXRepossession XXXXRepossession XXXX 90 Days Last Reported : XXXX XXXX XXXX Date XXXX Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX The account that Credit Acceptance ( CREDITACPT ) is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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 2021-11-18 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: MO

Complaint narrative:
On XX/XX/2021 I received a letter from the Attorney General of Missouri about my complaint on XXXX. According the letter XXXX sent to the Attorney General Office, XXXX has decided to keep violating my rights under the FCRA. I have disputed the information XXXX, Transunion and XXXX is furnishing several times. I have also sent XXXX, Transunion and XXXX the letter XXXX sent me, saying that the information is inaccurate. Also, from XXXX, Transunion and XXXX furnishing this information I have been denied credit on several 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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My debit account has been locked on XXXX contacted bluebird XXXX  customer service more than once and i am told i am permanently suspended. i have no access to my XXXX and i am told my account is under review by another department and there is nothing i can do to access my funds and no immediate contact to the other department. this is obscene, how can a company with the visa logo lock an account with funds available in it and tell you there is no current way to access your own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, XXXX & Transunion are also showing the following inaccuracies : Date Opened : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX High Credit : Transunion- {$26000.00} XXXX- {$26000.00} XXXX- {$7900.00} Last Reported : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : Transunion-Charged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
XXXX-Charged off account Auto Date Last Active : TransunionXXXX XXXX XX/XX/XXXX XXXX Date of Last Payment : Transunion-XXXX XXXX- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NY

Complaint narrative:
The issue in XX/XX/21 XXXX was : Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XX/XX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... 

In XXXX, XXXX, XXXX, XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. 

The specific item name and account numbers are in the attached Equifax XX/XX/21 and XX/XX/21 confirmation # s XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
CHARGE OF DISCRIMINATION This form is affected by the Privacy Act of 1974. See enclosed Privacy Act Statement and other information before completing this form. 
Charge Presented To : FEPA Agency ( ies ) Charge No ( s ) : X EEOC XXXX NEW YORK STATE DIVISION OF HUMAN RIGHTS and EEOC State or local Agency, if any Name ( indicate Mr., Ms., Mrs. ) Home Phone Year of Birth 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 2021-11-18 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: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank XXXX XXXX XXXX credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. PNC or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NJ

Complaint narrative:
XXXX Bank & all 3 credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. XXXX or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: NJ

Complaint narrative:
XXXX XXXX & all 3 credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. XXXX or Credit Bureaus have not been of any help The one account due to neglience dropped my score XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
On XX/XX/2021 I received an email from a 3rd party application saying : Someone has checked your credit report. 

A new inquiry from AMERICAN EXPRESS has shown up on your XXXX credit report. Lenders, employers, or landlords will often check your credit before they approve an application youve made. 

I have NO knowledge of this account and I DO NOT approved this, since Im working to improve my credit score and get a higher score and this made my score went down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, Equifax XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXXXXXX XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX High Credit : XXXX {$26000.00} XXXX XXXX$26000.00} Equifax- {$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX Equifax- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
Equifax-Charged off account Auto Date Last Active : XXXX XXXX- XX/XX/XXXX Equifax-XXXX Date of Last Payment XXXX XXXX XXXX- XX/XX/XXXX Equifax-06/01/2019 The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: OH

Complaint narrative:
I have multiple inaccuracies with XXXX XXXX Account on my profile. 
Experian, XXXX XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXX Experian- XX/XX/XXXXXXXX XXXX XX/XX/XXXX High XXXXXXXX XXXX XXXX {$26000.00} Experian- {$26000.00} XXXX XXXX$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off Experian-Unpaid balance reported as a loss by the credit grantor. 
XXXX off account Auto Date Last Active : XXXX Experian- XX/XX/XXXX XXXX Date of Last Payment XXXX XXXX Experian- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am an XXXX citizen living in XXXX. I have XXXX XXXX and XXXX numbers which makes me an American Taxpayer living overseas. 

Wells Fargo has acted unethically by refusing to return my money to myself when I asked for it. 

For the last 2 years approximately I have been trying unsuccessfully to get my accounts closed and my money transferred back to myself in XXXX I believe the treatments I received were highly discriminatory in nature. 

1. I was NOT allowed to order and get a check book. WF issued a wrong check book when the account was opened in 2011. WF refused to issue a correct check book replacement. WF does NOT allow me to order a check book online. Requests through various bankers for a check book by phone calls and emails were ignored and not successful.

2. I was NOT allowed to write a check to myself to close my account and obtain my own money 3. WF will NOT issue a cashier 's check to me to close my account 4. I was NOT allowed to transfer my money out of Wells Fargo 5. I was NOT allowed to order and get a RSA SecurID device for online banking purposes.

6. WF will NOT transfer my money to myself to close my account.

7. I was treated differently because I live overseas and register an overseas address for my WF accounts.

8. I may be treated differently because of the balance in my account.

It is my unconfirmed suspicion that WF deliberately make things difficult a. WF failed to advise how I could access ALL my money in ONE transaction.

b. WF makes NO efforts to verify myself or my supplied XXXX bank account c. WF mailed important letters to stall for time. They ignored they have SecureEmail. In my online banking EmailUs box is no longer available through their portal.

d. WF supplied a physical address for correspondence despite current situations.

e. None of the associated problems and difficulties outlined here was explained at the time of account opening at Wells Fargo XXXX  branch. They failed to disclose their products as NO product disclosure was given.

I was assigned numerous Case IDs which include but not limited to the following Escalated Complaint XXXX XXXX XXXX XXXX XXXX XXXX Bankers I have written to and made aware of my situations include but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spent many hours to talk to various bankers and write to WF. I can supply evidence in writing but may need an email address to send to.

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 2021-11-18 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: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them 1.spring oaks capital LLC XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
This is a factual statement of record made by a natural person, consumer, I am XXXX XXXX XXXX. I do not consent to XXXX verification. Upon receiving your unrequested notice dated XX/XX/2021through XX/XX/XXXXmail, as a natural person protected by federal law I noticed a number of direct violations to my consumer rights. Pursuant to XXXX XXXX XXXX ( XXXX ) the deceptive attempt to collect an alleged debt is a violation of federal law. A debt collector may not use unconscionable means to attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of mails or by telegram. Your hideous logo is in violation of XXXX XXXX XXXX ( XXXX ). Furthermore, XXXX XXXX XXXX ( XX/XX/XXXX states you are not to contact a natural person without prior written consent or a court order. I gave you no authorization for you to contact me and you are in violation of federal law by doing so unless you are able to produce a judicial ruling for my inspection that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX permission to disregard federal law. In response to your negligence, pursuant to XXXX XXXX CODE XXXX - Civil liability ( XX/XX/XXXX ) amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( XXXX ) any actual damages sustained by such person as a result of such failure ; ( XXXX ) (XX/XX/XXXX) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {XX/XX/1000}. Below is a list of your violations and attached is an itemized bill of particulars for immediate payment within XXXX days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Hello, On XX/XX/2021, I opened a XXXX XXXX  Everyday Checking account ending in XXXX and deposited {XXXX} to fund this account. During the qualification period I only deposited {$XXXX as I considered the {XXXX} I funded the account with would count toward the {XXXX} qualifying direct deposit promotion requirement. I have since learned I was wrong. 

My husband ( XXXX XXXX ) did the exact same thing. Subsequently, my husband reached out to XXXX XXXX through the XXXX and XXXX XXXX resolved the matter by applying a {XXXX customer appreciation deposit to his account on XX/XX/2021. XXXX XXXX ( XXXX XXXX - XXXX XXXX XXXX XXXX ) resolved his concern in a fair manner which we both appreciated - Thank you XXXX! 

With this being said, I am requesting the same resolution my husband received. Our issues are identical in nature. Attached is the letter from XXXX XXXX detailing his resolution. 

Thank you very much for your time and assistance.

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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a letter in the Mail from Wells Fargo. It was a checking account statement. It had a XXXX balance. I never opened this account. I called Them and filed a fraudulent claim. They said they would close the account and they have not. I have received a second statement. Now XXXX showing from the XXXX email that I am going to receive another letter which is from a mediation XXXX XXXX Wells Fargo. They have not closed this account. I should not be receiving any mail. XXXX getting frustrated. Please help. 

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