vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-25 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: Capital Accounts, LLC
State: TX

Complaint narrative:
I received letter from capital accounts under account XXXX on XX/XX/XXXX for creditor XXXX XXXX for pay balance of {$320.00}. 
I went to get one XXXX XXXX on XX/XX/XXXX. I and my insurance paid them full admissible account of XXXX XXXX. 
After year end, they send my balance {$290.00} showing that they also XXXX  XXXX XXXX during this procedure of XXXX XXXX which was rejected by my insurance that XXXX XXXX is only done when XXXX XXXX. I was also in strong anesthesia and do not know if they XXXX XXXX. I questioned XXXX office that why no approval was obtained from me nor admissible, they simply replied sorry. 
I called and send numerous request to Capital accounts that XXXX XXXX is not done by any XXXX when we go to XXXX XXXX. Verbally they always agree with my submission but looks as part of their paid service they send this debt to credit records. It will not be out of place to mention that this XXXX has mostly been overcharging than admissible amount allowed by my insurance which was brought to the attention of Capital accounts. In nut shell XXXX has been charging me by unfair means. 
Kindly arrange to help as no XXXX XXXX is done by any XXXX  at his own when any customer goes to XXXX XXXX. 
With kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2020-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: KS

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 2020-12-25 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: KS

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2020-12-25 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: KS

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I have tried numerous times to resolve this issue with this company directly and indirectly over the past few months with no results. I do not know this company nor have i ever did business with them i have asked numerous times for any written or electronic agreement between myself and them or any of there affiliates now im doing the same thing all over again I dont know this company nor have i ever signed a contract or agreement with them or any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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:
I believe Experian is reporting my score much lower than it should be. I own 5 credit cards with a total balance of {$2000.00} which I pay off each month. All of my other loans have been paid off and are in " exceptional '' standing. Yet my score is XXXX and is only fair. The image I attached shows all my accounts. You will see they are all in exceptional standing yet I'm being marked late and my score is terrible. The image shows all my accounts as of XX/XX/25

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 2020-12-25 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: AL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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:
Experian system is marking my account late for a payment I made. As you can see XXXX is the month I'm being reported late for and it is the month I paid over $ XXXX in agreement to have this removed. Attached : Payment image shows the payment date. The Experian images will show the date I'm being reported late for. I should not be marked late for the day I made the payment. This is ridiculous. This is the only late mark on my account and it's not even accurate. The XXXX images will show the date I'm being marked late for but it's the day I made the payment to have this removed.

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 2020-12-25 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: AL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 2020-12-25 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: AL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 2020-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I used Wells Fargo to finance my car, and Wells Fargo is still using me. 

They charged me for insurance I did not require. The additional charges led to my cars repossession. Without transportation I lost my job. 
I was a part of the class action law suite against WF. To date Ive received XXXX $ from the company. They continue to urge me to cash the checks. The repo alone cost almost XXXX . 

They refuse to communicate with me, and I certainly no longer have the money for a legal advocate. 

Wells Fargo has admitted to using consumers repeatedly. They are still doing it ...

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 2020-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I did online purchases from Bass Pro. A few days later I checked my credit score and saw Capital One did a hard inquiry on me for a BassPro card. I never authorized this. A few days ago I rec 'd a letter from CaptialOne dated XX/XX/17 to call them to complete my credit card application. Again, I never requested a card or authorized a credit check. Their hard inquiry, however, harmed my credit rating by about 15 pts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In early XXXX, I was a victim of identity theft when one or more unknown individuals opened an account with XXXX ( XXXX ) using my identity without my knowledge or authorization. XXXX identified the account as fraudulent and promptly closed it. I then followed all the steps to report this as a fraudulent account ( including, filing a police report and providing XXXX with all of the requested identifying information ). On XX/XX/XXXX, I was finally notified by XXXX that my claim was resolved. Specifically, in its email to me, XXXX stated : " We've investigated your claim and determined that you are not responsible for any of the charges related to account number [ XXXX ] ... '' ( I am happy to furnish the email sent by XXXX. ) XXXX has also notified in that email that they will be notifying the credit agencies to remove the account. Notwithstanding that resolution by XXXX, the fraudulent XXXX account still appears 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 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: WV

Complaint narrative:
I received a letter dated XXXX XXXX from Discover stating that during a review of my credit situation my credit line was decreased from XXXX to XXXX. The balance on that card was a little over {$7000.00}, the decrease gave me a % 100 utilization on that card. 
I have recently started a XXXX XXXX XXXX and have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year. I am not receiving donations right now because my XXXX status has not been approved, I will not get a result about my IRS application until after XX/XX/2021. I have used my credit cards for the XXXX XXXX bills and my XXXX XXXX XXXX. I have also had to finance a roof this year because the one on the house was leaking. 
I would also like to add that I have had a % 100 on time payment for every single one of my credit cards, have never maxed out any of my cards, and usually pay off large balances. For Discover to have lowered my credit limit, giving me a % 100 utilization on this card, is an intentionally hurtful, unfair business practice designed to perpetuate the problem I am currently experiencing with my credit score which affects insurance rates, interest rates, if I have an emergency and need a loan it will not be approved. This practice needs to be stopped. A credit limit shouldn't be able to be lowered when there has been no history of irresponsible payment practices of the borrower. It should be viewed on an individual basis and then decided on review of specific circumstances. 
I have requested that Discover close this account as I will no longer be doing any business with a company that will intentionally hurt me. I was told that they are still going to be charging me interest. How is that fair? How is any of this fair? This is predatory. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank has closed 4 bank accounts without my authorization. The 3 accounts that bring the most problem are with my father 's estate accounts. My father passed away on XX/XX/XXXX. Well Fargo keeps records for account holders for 18 months which is great. This allows me to settle my fathers estate properly and provide the state of Virginia documents such as bank statements and checks to track funds. However given that the balances dropped to a low level they took it upon themselves to close these accounts. The estate requires documentation for accounting to preform tax returns and filings as well as estate filings. In addition Wells Fargo has no problem in charging fees on both my fathers estate accounts as well as commercial accounts without hesitation. I need online access for estate and corporate tax returns due to the fact that their bank statements dont provide details on checks that were written. I requested numerous times to allow online access so I can pull bank statements and cancelled checks for this year XX/XX/XXXX but they have denied me that right yet they offer that to others that have active accounts. If they had told me or warned me of this issue I would have kept the required balances. 

1. account # XXXX checking 2. account # XXXX savings 3. account # XXXX checking 4. XX/XX/XXXX XXXX account XXXX commercial

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 2020-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer first repossessed my vehicle after making an verbal agreement of weekly XXXX payments. Following the repossession I didn't receive any information regarding the vehicle such as : proof all of the required notices were properly and timely given, all of the allowable redemption and cure time limits were adhered to, copies of the legal notices, where to repurchase the vehicle, and proof of the commercially reasonable manner of the resale of the subject vehicle. Recently I contacted Santander for the above mentioned information which they again failed to provide to me. Santander is further violating my rights because they are inaccurately reporting different information on each credit report : Date opened, Number of terms, High credit, Date last active, and Date of last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: FL

Complaint narrative:
There are alledge charge offs on my credit report that I do not recognize. Pursuant FCRA 611 ( a ) [ 15 usc1681 i ( a ) ] I am demanding the removal of these items. 

XXXX XXXX XXXX XXXX XXXX XXXX account number xxxxxxxxxxxxxxxxx XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In early XXXX, I was a victim of identity theft when one or more unknown individuals opened an account with XXXX ( XXXX ) using my identity without my knowledge or authorization. XXXX identified the account as fraudulent and promptly closed it. I then followed all the steps to report this as a fraudulent account ( including, filing a police report and providing XXXX with all of the requested identifying information ). On XX/XX/XXXX, I was finally notified by XXXX that my claim was resolved. Specifically, in its email to me, XXXX stated : " We've investigated your claim and determined that you are not responsible for any of the charges related to account number [ XXXX ] ... '' ( I am happy to furnish the email sent by XXXX. ) XXXX has also notified in that email that they will be notifying the credit agencies to remove the account. Notwithstanding that resolution by XXXX, the fraudulent XXXX account still appears on my credit report.

Company response to consumer: Closed with explanation