vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MD

Complaint narrative:
I have been disputing with experian about 5 different accounts reporting on my file. I have submitted a ftc report and the items was not removed. I then asked for the original contract to each account to be sent to me for validation. I have not been sent any documentation in over 30 days and the accounts still remain. It is 3 different XXXXXXXX XXXX XXXX accounts, an account from affirm and an account from citizen. According to the FCRA these accounts are in violation of my consumer rights. Each credit reporting agency is supposed to report the same information across-the-board. Experian is the only ones reporting these accounts. This information is to be deleted for reporting misleading and inaccurate information.

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 2021-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
First and foremost I DO NOT consent to any automated scan response or e- Oscar verification methods conducting your deceptive investigation. I have disputed personal information and there was no change. The personal information that is in correct is the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX. I have never lived there it is not my address of abode. I am enforcing you to remove the incorrect address. Also I have discovered that the accounts listed below is fraudulent. I have sent in pervious documents including an FTC, XXXX Attorney General Office complaint more than 30 days ago. I am only allowing an internal investigation within the days of 3 24 hours upon receipt for this matter to be resolved and dismissed. I am distress for the time period of this matter to be resolved. I sent in factual documents stating true facts of the unfairness and unprofessionalism. My character was being defame, my information was used without my consent Pursuant to FCRA that is in fact a violation. As a natural person and a consumer I am master, you are the minor and as The Congress implied that Equifax must exercise their grave responsibilities. You are a consumer reporting agency furnishing my personal information without my consent or from a judge. Do you know that is a major violation? I will move forward in filing a law suit. I have attached the documents to be read.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: PA

Complaint narrative:
i sent a letter requesting a investigation because i flet the items is not being reported legally, and on XX/XX/2021 i received a letter stating that your investiagtion was complete. 

i requested a complete copy of all the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA ; Who did they speak with? what was the date? the name? and the address? what number did they call? 

This inaccurate reporting has caused me severe financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America some errors account XXXX aba routing number XXXX checking overdrawn fees very high unsecured credit card refused and denial, control number XXXX Ill dept of human right injustice and unfair treatment I also felt like if I was a victim of discrimination trouble with getting son replacement card to add to account reference number XXXX ending XXXX for XX/XX/XXXX XX/XX/XXXX denial XX/XX/XXXX thru XX/XX/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 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My checking account was constantly being charged over draft fees during crisis an still to today, I would call an ask for refund if the charged XXXX to XXXX or more a month they would say well last month we gave you back XXXX dollars when last month there would be XXXX overdraft XXXX several others, they would just taking a small overdraft fee an then I would call next month an they would say we already gave back XXXX last month so your not eligible, I never got a letter from them saying you have to call for help with overdraft fees but they didnt help me anyway, they took thousands from me an still are, I called several branches to ask question an was told that manager is working as teller XXXX XXXX because ppl arent showing up because of virus, I was told same thing in XXXX XXXX short handed ppl dont wan na come in cause virus, cant get works always short handed, took me 4 hrs yesterday to clear a check because no one would help finally after calling corporate 6 times the XXXX nj helped me, how can I get all my overdraft fees returned Im talking thousands of dollars, this is all in New Jersey XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: DC

Complaint narrative:
I brought a plane ticket, but I got sick. So, I called to cancel my plane ticket. XXXX offer me future credit, but I would just like my money refunded.

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 2021-08-13 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: GA

Complaint narrative:
This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed XXXX XXXXXXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX XXXXXXXX Account XXXX. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. Equifax is reporting XX/XX/XXXX, while XXXX and XXXX are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I reserved a hotel for a trip, but I was told that the website was only going to hold {$15.00} dollars until my check in. I got sick and will not be able to travel, so I have been reaching out to the hotel, but no response.

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 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During Covid, I have been out of work. I am a XXXX  by trade, but I had XXXX kids at home with first no school and then two hours a day of school, plus one pre-kindergarten aged, so working wasnt an option. I was already in a balance liquidation program with Chase, with automatic deductions coming out of my checking ; but due to being out of work, I was forced to pause the automatic withdrawals in XX/XX/XXXX in order to make ends meet. I missed two payments in total between then and XX/XX/XXXX, but I thought I was back on track with repayment thanks to a new automatic withdrawal schedule. 

Then, in XX/XX/XXXX, my account was closed and I received a derogatory credit notation. When I called Chase, they said that I had been behind for several months - which I thought I took care of when I entered into the new repayment agreement. I THOUGHT that the account was brought current by doing that, but ACTUALLY, by pushing the payment out by FOUR MORE DAYS - which they TOLD ME I could do and was my original payment date for years - I put myself past due every month. If we had just made a one-time payment on that date, and then kept the XXXX  as my pay date, none of this would have happened - but instead, the person on the phone just moved ALL of my dates and didnt tell me the consequences ( and possibly didnt know them, which may be even worse ). 

I called Chase, and they moved my payment dates back to the 2nd, had me make an extra payment, and updated the status of my account to current with a partial repayment agreement. However, the account is still closed, and Im NOT in a partial repayment plan - Im paying EVERY XXXX  at a 12 % interest rate. I dont think they should be allowed to XXXX XXXX XXXX XXXX XXXX XXXX falsely report the repayment terms to the detriment of my credit ; Im TRYING to get back on track, and they are NOT being flexible in the face of these extraordinary times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: KY

Complaint narrative:
For 3 years drivetime left the truck in my name and I had to pay taxes on vehicle they repoed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United Revenue Corporation
State: NC

Complaint narrative:
I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX : United Revenue Corp Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX XXXX They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am trying to do a debt consolidation I found this company on the internet it is capital one so I was thinking ok its safe I have a capital one credit card and I got approved for the amount then all the sudden they want me to buy XXXX cards XXXX cards to be able to get the loan so I did that and everything they said alright I am going to transfer the funds they always needed more money always and I have proof of all this I have text messages also and they said they paid off my XXXX credit cards and the payment did nothing go through they did this twice and returned I just want my money back that I gave them to give me a loan that I didnt get thats all I ask dont return my calls or anything the person I Have been dealing with XXXX is XXXX XXXX and I have a number also here is the phone number I contact him by XXXX I am done an want justice for this I was just trying to help my credit score and they made it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a credit alert from XXXX stating I have a new collections added. After reviewing I saw the Resurgent Capital Service was added. After doing more research I notice it was from XXXX, which I already settle and paid with LVNV. Thinking this was going to be an easy resolution, I sent a certified letter along with proof of the settlement letter to Resurgent. What I receive back was a debt validation letter. I know that was supposed to be sent before anything is placed on your credit report. I once again sent a certified letter stating my issues and demand this be taken off my credit report. Resurgent sent another letter asking for proof, both times I sent in the settlement letter, stating payment was received for this collection. I also requested the help with the XXXX  with South Carolina and they still refused to remove the collections off my credit report. All I have is the letter stating this matter is resolved, I no longer have that checking account to provide it was debited out of my account. Resurgent did not follow correct procedures to verify this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-08-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: SC

Complaint narrative:
XXXX-120 days late ( account is paid in full ) XXXX- showing up as a collections ( account is paid in full ) XXXX XXXX- XX/XX/2021, showing late 60-89 days as of XXXX XXXX XXXX- XX/XX/XXXX showing 60 days past due ( account is paid off in full ) XXXX XXXX XXXX showing that I have a balance of {$910.00}, but its incorrect, they took me to court right after I have my last XXXX XXXX XXXX. I reported to XXXX because every time it raining is was raining in my living which caused me to develop XXXX  in my XXXX. My daughter said the doctors was concerned about that whenever I seen it on my X-ray before I had my open XXXX. I manager also was harassing me and my family, she lied to section 8 which caused me to lose my voucher. I lived at that apartment for six years and expected more from this company and I wouldn't recommend anyone to live there. 
XXXX Billing- {$670.00} as the balance this account was supposed to be removed because of the hyppa law. I had XXXX and XXXX at the time but they claimed that there was a wrong code put down so they couldn't bill my insurance. My daughter had to call XXXX because my XXXX XXXX was super low and I kept losing conscious. I was put in ICU because two XXXX XXXX my XXXX and I also had XXXX  XXXX  as well.

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 2021-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was told and pressured by Wells Fargo who were at XXXX XXXX XXXX  in 2007 to sign up for private student loans through them with a co-signer even though I really didn't need a co-signer. They told me this was in my best interest as it would make sure that the funding was there for room and board and that they would easily be able to be removed as co-signers. I left XXXX XXXX and went to XXXX XXXX XXXX where I continued my education and was unable to make all of payments on time due to being a full time XXXX. When I reached out to them to see what repayment options there were, they encouraged me to take out a loan forbearance, stating " that's what most college kids do. '' I have realized that this forbearance made it so that there was not " 24 immediate consecutive on time '' payments which apparently means ( according to there deceptive and hidden conditions ) that no matter what my co-signer can not be released from the loan. They never gave me any other options to pay like income based. They lied about it. Then through out the years they have messed up transaction records, made false statements and purposely encouraged me to make decisions that are not in my best interest. Now they sold the loan to first mark services and they said they do not have any recorded phone calls or records and that Wells Fargo would have that. I tried to reach out to wells fargo and they refuse to even speak to me and say it is not there problem anymore and they have nothing to do with it. This is unfair and very misleading actions of a company. I have requested documents and records from both institutions and still have not received anything.

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