vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
hello, my name is XXXX XXXX XXXX and I want to inform you that this credit acceptance company I told you since the start of XXXX that I lost my job and that I could not make my payments, so after reaching an agreement, they never fulfilled that payment agreement, why? my account continued to have high interest and not being able to comply because of a relative my grandmother suffered from XXXX I had to travel to XXXX XXXX I had to stay there she did not ask to make the payments I came back and contacted them and explained what happened of everything they did not help me so I reached an agreement to pay XXXX but they did not want to close and eliminate that account from my credit report and make the agreement that we reached they continue to charge me and charge me every month charging interest that they are not supposed to do edi If I continue to charge my credit, I want them to eliminate that from my credit. Carrying out the agreement is making illegal charges like XXXX all the months are not helping me at all. and they investigate them, erase all that, I charge a skirt to the account, that they close it and rlimfn that account of my report, they never helped me with the situation of rl covid, my economic situation now because of my credit is affected

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

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 2022-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
These are not my inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I reviewed my credit reports and saw a collection for {$6200.00} with Midland Funding. I sent a debt validation letter to learn more about the account. 

I submitted my debt validation letter in XXXX, but Midland Funding responded to my request in XXXX. 

I worked with someone to help me translate the letter, but was frustrated that they did not contact me in my preferred language. 

Furthermore, Midland Funding did not provide a final account statement from the original creditor. The debt validation letter shows that the original account is from XXXX but does not provide a final account date, which leaves me without the information I need. 

The account is past the statute of limitations to collect and the account should also be past the seven-year window to report such debt. This account should be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Frequently calls spouse which is not part of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this because the XXXX credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is not a DUPLICATE complaint and this not being filed by a XXXX XXXX company. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX. Account Name : XXXX XXXX XXXX CA Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # 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 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexis Nexis is providing misleading instructions to resolve system errors. To gain access to your consumer file, submit a request online, wait for PIN via mail, Validate PIN, then I assume you gain access. When the provided PIN does not validate, the instructions state the only way to resolve is to speak with a live representative. The phone number provided XXXX connects to a recorded message that loops with no option to speak with a live representative. When you call the general contact number XXXX, selecting the prompts that direct you to the consumer side of the business routes the call to the same looped message. How are consumers supposed to resolve issues if Lexis Nexis has made it impossible to speak to a live representative?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: AK

Complaint narrative:
I had a loan with CONNS XXXX XXXX. I had gotten a loan for furniture for an original balance of XXXX XXXX I had paid them from XXXX of XXXX until XXXX of XXXX. During all that time my original balance never changed. I attempted to contact them to resolve issues and always would. Talk to a rude abusive customer service representative. When I was late I would get constant calls at all times of the day. The calls would frequent from calls every other day to every 3 days. When I didnt answer or told them to stop calling me and that I didnt have the money at the moment and would pay it in a couple days when I got paid or would be willing to return the merchandise and pay the fee they got aggressive with me and werent willing to work with me so I told them I was just going to deal with it being charged off with a different agency since I knew I would actual be able to pay it down instead of my money disappearing they not only continued to call me but started calling my work. The emails would frequent just as much as the calls. Once it got close to it going to a collections agency I started getting emails saying it was in pre-legal status and then legal status. Finally my account was charged off and given to a collections company however I recently started getting emails saying they pulled it back temporarily and I should pay them ( This was yesterday XX/XX/XXXX ) When my account finally charged off and closed. There was a balance of XXXX $ despite all the payments made from XXXXnow the balance never went down it only was more then the original. Also each time I disputed the dates in which I was late it changed. When I would receive phone calls initially I was more than willing to work with them. However if I was busy and I said I would call them later to resolve the issue, the mitigation/ customer service rep would aggressively yell at me to pay and give them my card info. During the year of XXXX I was in XXXX and had a hard time making payments due to lack of service so I was making them as much and as soon as possible however they would continue to berate me during the phone calls. I would also like to state I never received any paperwork at any time in the mail or in writing. I would have had no problem dealing with them if they hadnt contacted me so aggressively, actually applied my payments to my account instead of pocketing it and didnt make calls to my work ( Im in the military so the office phone gets answered by anyone in office so they embarrassed and harassed me in front of my co workers. ) I shouldnt have to argue with a representative in customer service about calling later to resolve an issue if I dont have the time at that current moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions.
State: SC

Complaint narrative:
I have started paying on this debt. However yall levied my pay check today for {$320.00} why is this??????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Progrexion Holdings, Inc.
State: PA

Complaint narrative:
Greetings! 
I signed up with Creditrepair.com which is also know as XXXX in XXXX of this year. They agreed to fix my credit for a certain amount amount each month which was drafted from my checking account each month until XX/XX/2022. I made a call to my bank to stop payments to the company. My credit has not improved I feel my credit had gotten worse since signing up with the company. I asked them several times to show me where my credit has improved I was told that things was going to start coming off my credit and the scores would improve. I assured them if I don't see a change I would cancel the service. I even sent them several emails asking them not to take anymore money from my account when I became unhappy that my credit did not change. I also have proof the funds was taken out of my account. I was able to attach the proof blew. I am filling a compliant because I would like a full refund from this company in hopes to repair my credit on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: IL

Complaint narrative:
On XX/XX/2022, I paid and settled in full 6 collection accounts on all three of my credit reports, XXXX, XXXX, and Equifax. XXXX were reported within a week of settlement, XXXX notated as settled in full and XXXX completely removed. XXXX were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted XXXX via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with XXXX, XXXX with Equifax and XXXX with XXXX. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( XXXX ), and chat conversations due to error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I paid and settled in full XXXX collection accounts on all three of my credit reports, XXXX, Experian, and XXXX. XXXX were reported within a week of settlement, XXXX notated as settled in full and XXXX completely removed. XXXX were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted XXXX via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with XXXX, XXXX with XXXX and XXXX with Experian. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( s ), and chat conversations due to error message.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent my documents and nothing was resolved

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied and was approved for the CitiBusiness / AAdvantage Platinum Select World Elite XXXX card. 

The card promised XXXX XXXX XXXX AAdvantage bonus miles after spending {$4000.00} in purchases within the first 4 months of account opening. 

I completed the spend during the second month of card membership, and was on track to receive the bonus at the time of the statement close. 

During XXXX ( the third month of card membership ), Citi closed my card suddenly, without any warning or communicating their intention, and without giving a proper reason. The closure letter stated that they detected behavior that was not consistent with how other customers use their cards. I only assume that were referring to multiple payments made to my credit card during my card membership. I had a perfect reason for these payments and in my view there was nothing that should have led to the account closure ( at least not before talking with me ). 

At the close of my most recent statement ( XXXX ), I was awarded some XXXX miles for the spending done during the last 30 days, but I was not awarded the XXXX points associated with completing the bonus offer requirements. I do believe that I am owed the {$65000.00} miles promised at the onset of the account opening, for which I met the promotion terms. 

The account was open and in good standing when the spending was completed and the terms were met. The payments were also made in full. Citi waits until the end of the statement close to award rewards, and they chose not to honor the promotion because they closed the account just before the statement closed. They did award the regular spend miles ( just over XXXX ) but not the promotion bonus. 

This is unfair and deceitful, and I feel taken advantage of. They've cost me my time, my spending, the opportunity cost of earning rewards with another credit card product, and of course they cost me a hit to my credit-worthiness.

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