vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 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: PR

Complaint narrative:
I have not authorized the XXXX XXXX company to make inquiries in my credit report. In addiction I don't know who they are and what their purpose is, I understand that these reports are exposed to scammer scams or people who can access by re-elaborating complex schedules. Below what I want to be removed from my report : XXXX XXXX Inquiry from XX/XX/XXXX Credit Union This inquiry could stay on your report until XX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information  XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX utilizes XXXX  which is a correspondent of Regions Bank, N.A. We were approved through XXXX in order to finance the project. XXXX sent a Truth in Lending disclosing the amount approved which was XXXX Upon completion of the project, XXXX sent XXXX a bill for the completed project of XXXX. XXXX never redisclosed for the amount of the completed project which was the actual amount borrowed. Instead, they starting sending out a bill for simple interest. Never re-disclosing what the payments would be after the loan recast for the correct amount. I know the regs are different for every state and maybe they didn't have to send out a Truth-in-Lending with the correct figures. Maybe this time, it slipped through the cracks ; however, all the cracks were filled with the New Regs. Reg Z, X and Dodd Frank. I thought Lenders were operating above board. Regions can't claim ignorance in this and any case.

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 2020-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX  in XXXX of XXXX. Upon receiving the car, the rear brakes were toasted, Tires were XXXX made and the engine was VERY noisy. The Brakes were fixed, the tires replaced ( {$500.00} ) and 5 months later the battery failed ( {$200.00} ). So far {$750.00} out of pocket tires/battery. XXXX of XXXX the engine refused to remain running at stop signs, stalling 12+ times a day. XXXX Rebuilt the engine at a total cost of over {$4500.00} with parts/labor/dealer ship repairs/rental car. After an oil change the stalling has started again. Based on my records, this car has had close to {$5500.00} in repairs in 18 months ... REALLY? So, I elected to cash in the extended warranty. I e-mailed the warranty company and that was handled promptly, and efficiently, however, Bridgecrest claims they never received the money. After about 2 weeks I called them 4X today each time on hold for over 15 minutes. Last supervisor finally admitted they get paid via XXXX  ( warranty company ) 2X a month and that the payment would not post for a week the XXXX, BUT ... get this.. car is scheduled to be repossessed starting on the XXXX of this month. XXXX.. I made a small payment today, to stop this as requested. I owe about {$370.00}, the warranty check is for {$1000.00} ... more than enough to get me caught back up. But they REFUSE to post to payments and want to post to principal of loan ONLY ... XXXX again ... If XXXX can post warranty cash out to payments, why can't Bridgecrest. this is the first in many complaints to be filed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America provides different level of service to consumers who do not communicate by telephone. 

The attached email message from XXXX XXXX, Senior Resolution Specialist of Bank of America states that " I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. ". 

XXXX XXXX has not identified any reasons that they need to speak with me via the use of a telephone other than confirming that I am the one who submitted a complaint to CFPB. 

XXXX XXXX has not considered any other methods of communication that they could have use to confirm that the CFPB complaint was filed by me and they have not identified the reason why there is a need to confirm that the CFPB complaint was in fact filed by me. 

I accuse Bank of America of discriminatory practices against consumers who do not communicate via the use of a telephone. Specifically, Bank of America 's policies makes it harder for consumers who do not communicate by telephone to file complaints with CFPB.

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 2020-01-16 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was notified in XXXX by Synchrony that a charged was placed on the XXXX/XXXX  Live/name-of-the-moment card I had with them. I did NOT place any orders and did not receive any items. 

Filed a fraud claim with them, which they rejected multiple times, claiming product was delivered. I disputed this, stating I neither ordered nor received anything. As requested by them I filed a police report and signed an Affidavit of Fraud ( and got it notarized ) saying I did not order nor receive anything.

Despite multiple rounds of appeals, company is still claiming I received goods and is refusing to honor the fraud claim. I have complied with all of their steps ( 4 separate rounds! ) to get this fraud processed.

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 2020-01-16 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: TX

Complaint narrative:
XXXX XXXX has sent electronic updates to Trans Union to fix a credit reporting error of a 30 day deliquency on XX/XX/2019. Trans Union refuses to fix the error. XXXX XXXX has even provided me a letter showing I have never incurred a 30 day late on this 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 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Management Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/2019, FMS Financial Solution debt collection agency received a letter from me via a certified mail ( tracking number : XXXX ) in which I disputed the debt, put them on the notice of lawsuit and requested them to strictly keep their communication with me in writing. They admit the receipt of this letter in their response to my previous complaint, however, on XX/XX/2019, they contacted me via phone to continue to collect a fraudulent bill. Furthermore, they used abusive language, threatened a frivolous lawsuit and apparently recorded my voice without notifying me or requesting my consent. ( I can submit a copy of the correspondence I sent to them upon request ).

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 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Today, XX/XX/XXXX, I received a letter from Stenger & Stenger. I have never had any prior communication with this company. 

This letter was sent in an envelope with a return address of the XXXX XXXX Government Center, from supposedly the small claims court. 

However, inside the envelope is an extremely vague notice of showing up to small claims court on a time and date next month. There's no court case, room #, contact information for XXXX XXXX, Judge name, or any other info.

Furthermore, after the sincere panic and confusion, I checked Indiana 's government resource site which showed that no claims or lawsuits had actually been filed against me. I have received no notice from the state or local authorities about needing to appear in court. 

The first hint I had that this was illegitimate were the misspellings on the document. Instead of Case it was spelled cause.

The large giveaway was only when you get to the bottom of the page and it states " This is a communication from a debt collector ''.

It may be a communication from a debt collector but they sure went to a lot of trouble to disguise it as an official document from the state. This is by default against the law as they are actively working to impersonate local government and court systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
The debt was paid off months ago XX/XX/2019 and the company still refuses to update the credit report, their employees made false report stating that I said I was represented by a lawyer, but all I said was I was refinancing and the payment was coming from my lawyers office because it was paid from a refinance and attorneys pay the debts off XXXX so now they will not talk to me only my lawyer and will not update the credit report, I attached my bank statement showing my last payment of {$.00} .. to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have closed this account from bank now keep getting the same latter. Own them Money. Kindly scam

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 2020-01-16 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: GA

Complaint narrative:
Equifax Credit Information Services , Inc. continues to stall with regard to credit investigation. They asked that I confirm my identity almost a month ago. I sent in documents requested, and I get another letter requesting the same information. This is some type of stall tactic that this company is utilizing. But, I don't understand why when the law clearly states I have a right to request investigation of my [ personal credit ] report. Can someone please reach out to Equifax and ask them why they are refusing to check reports for errors?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: PA

Complaint narrative:
I sent a dispute to Transunion Consumer Solutions on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX am. It states in the Fair Credit Report Act 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) They have a 5 business  day period to let me know that the item in question is being disputed, which I never received ; which is the first violation of the Fair Credit Reporting Act in regards to my dispute. Also, the second violation regarding my dispute again, 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) States the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or " DELETE '' the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Again, it was mailed out on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX XXXX. According to the Fair Credit Reporting Act they are in violation, not once but twice. We are currently in XX/XX/XXXX and that is way pass five days and thirty days and I did not receive any piece of mail, documentation or proof that anything was being done in regards to my investigation. This must be deleted immediately. I have attached proof of my dispute letter, proof of mailing mailed via certified mail with electronic delivery and an email with proof as well. 

These credit Bureaus are tricky and like to play games with consumers. Once they get this from Consumer Financial Protection Bureau, that's when they will get on their job and do what they were suppose to do in regards to my dispute two months ago. That will not be accepted as I have stated what happened in this complaint, along with proof of everything. They are in violation. I am very aware of my rights and it is now two months in and this credit bureau is not complying with the Fair Credit Reporting ACT or any other procedures " ITEM MUST BE DELETED IMMEDIATELY. ''

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 2020-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.

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 2020-01-16 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.

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 2020-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: NY

Complaint narrative:
As previously stated, I am a victim of identity theft. I am NOT a credit repair company or credit repair person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: I.C. System, Inc.
State: GA

Complaint narrative:
-In XXXX of XXXX i declined to pay {$100.00} to XXXX XXXX XXXX XXXX 
-In XXXX of XXXX i received DEROGATORY ACCOUNT from IC System and my Credit Score was decreased in 30 points.

ATTENTION! ALL FOLLOWING ACTIONS OF IC SYSTEM ARE INAPPROPRIATE AND ILLEGAL! 
XXXX XX/XX/XXXX i received FOUR DEROGATORY ACCOUNTS, {$100.00} each. My credit scores were decreased ANOTHER TIME.

-I submitted complaints, probably, twice, and received a response from IC System they are going to leave me alone, but it never affected my alerts. 
-In XXXX OF XXXX i received already TWO!!!! Derogatory accounts from IC System, {$100.00} each.

-I gave IC System telephone call and requested to solve the issue, but I never heard back from them. 
STOP MESSING UP WITH MY CREDIT SCORES! I WAS NOT PREAPPROVED FOR MY CAR RE-FINANCE BECAUSE OF YOU! I WAS NOT APPROVED FOR CREDIT CARD! 
GET OUT FINALLY OFF MY ACCOUNT! I WILL NOT PAY YOU! NEVER!

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 2020-01-16 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: NY

Complaint narrative:
As previously stated, I am a victim of identity theft. I am NOT a credit repair company or credit repair person.

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 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have disputed this account and asked for verification as per the fair credit reporting act. All I got was a copy of some bills. Nothing with my signature, social or copy of my ID. I don't even have a copy of any contract. This account isn't mine so in the middle of disputing now they are being sneaky and trying to sue me now that I am disputing this and they have no proof. I want all the information I'm asking for. I do not owe {$750.00} + {$50.00} filing fee+ {$7.00} service fee= {$800.00}. What is owed is how someone can open up an account in my name and me dispute it and the company not provide me with anything but saying they verified this account is accurate but how? Because I'm still waiting on proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation