vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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:
After contacting Equifax over seven times after supplying them with multiple FCT and Police reporting regarding being a victim of the Equifax Security Breach and Identity Theft They refuse to comply with FCRA 605 B telling me that inquiries are factual information. Not when they are fraudulent they are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Harpeth Financial Services, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-05 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: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX this year I went from leasing my XXXX XXXX XXXX to purchasing it. With the help of a car dealer I obtained a loan to purchase the car. 

I'm trying to understand why the car dealer, XXXX XXXX XXXX XXXX XXXX ( XXXX ), took over 1 month to pay out Chase Auto Finance at the end of my lease. This final late payment caused severe damage to my credit rating. 

Below I've detailed the chronology of events in XXXX and XXXX this year. I have documentation to confirm each event. I believe that I need XXXX to admit fault for paying Chase 's auto lease department over 30 days late for the final payment on my lease, causing me to lose 159 points on my FICO credit rating. 

Chronology of Events : My lease with XXXX expired on XX/XX/XXXX On Saturday XX/XX/XXXX, 2 weeks before the expiration, I paid a {$3000.00} down payment for purchasing the XXXX. XXXX told me that I would get financing without any issue. 

During the week of XX/XX/XXXX I was contacted by XXXX and told that I needed to make the down payment by check and that the credit card down payment would be returned. This was frustrating because I had to drive back to XXXX and submit the check. I did this on Saturday XX/XX/XXXX. 

On XX/XX/XXXX XXXX informed me that he needed to switch lenders. We switched to XXXX. 
On XX/XX/XXXX XXXX confirmed that the loan had been accepted by XXXX. 

OnXX/XX/XXXX, 49 days after my initial {$3000.00} down payment, XXXX finally made the last payment to Chase to close out the lease. This payment was due on XX/XX/XXXX ( I believe ). XXXX also paid a late fee which was not passed on to me. XXXX paid the following amounts : {$21000.00} & {$700.00} and the late fee. 

As a result of these late payments my credit score plummeted from XXXX to XXXX. ( The timing is awful because I'm trying to get a mortgage for a house ) Thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: CO

Complaint narrative:
I received a phone call from XXXX XXXX I was told that I owe them {$37.00} well luckily I think the call dropped. So I called the number back and it wouldnt go through. So I contacted customer service at XXXX and they said we never call you in regards to a bill we will text you. So then I got a bit worried I kept getting the same phone call and I said XXXX XXXX Call me. So then I got a call from a collection agencyCalled AFNI And they are telling me that I owe them {$37.00} on behalf of XXXX. XXXX like what the heck I have repeatedly and I mean repeatedly dozens of times called XXXX to make sure that I dont have a {$37.00} bill I had just paid {$620.00} I really wouldnt give a XXXX about {$37.00} bill. So they keep calling me and then I get a bill saying that Ive been sent to collections I dont even know what to say I dont know what to do I am at the mercy of these criminals and I just dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Applied for a new Bank of America XXXX XXXX credit card on XXXX XX/XX/2020. 

Did not receive any response, and unable to speak directly to anyone from lending department as phone numbers are no longer active. 

As I am currently outside the country, any regular mail to my U.S. address will not be received.

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 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I had paid my loan off in full and they are saying I paid it late or didnt pay it at all when I paid on time and in full completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/2019, I got a EIN number from a website impersonating the IRS and paid {$240.00} with my discover card. Within 3 days I realized I had been scammed and I reported it to Discover card to dispute the transaction. Discovered failed to refund my money even though I was scammed and placed a prompt chargebacks on my credit card within 3 days. 

My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I'm trying to get my credit in better standing XXXX collection and credit  acceptance are no supposed to be on my credit. The hard inquiries should off I discovered i have XXXX. I just wan na pit the debt i do owe into one consolidated payments to make payments on them off. Im raising all four of my grandkids and i have 3 daughters living at home. I enrolled into online school.want to show my kids its never to late. If i was to leave this world I a single mother of 4 daughters 3 live ay home and im raising my older daughter 's four kids. I trying to be all i can.

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 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
The company keeps sending me text messages at roughly XXXX, my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX  XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX  XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.

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 2020-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was thinking about buying truck from XXXX XXXX XXXX in XXXX, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX XXXXXXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX   XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXXXXXX XXXX   Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I originally started off with a request for a pay off. The lady on the phone was no help and said anything I needed was on the portal. I created an account and and search for the payoff I found my payment history. The payments I made are correct. In addition to the regular monthly payments due, I was making additional payments. These extra payments and anything additional made monthly on the regular scheduled payment due were to be applied towards principle. My discovery was thr additional payments that were made throughout each month were not fully apply towards the principal. Meaning they were taking money out for interest as well from the additional payments that were being made. I have taken several screenshots from month-to-month and also put it through my amortization calculator. I have tried rectifying the situation and getting answers but have been given the runaround with generic answers. I would like this matter resolved. In addition I would like a full pay off so I know the total amount due and I can pay them and be done with them.

Company response to consumer: Closed with monetary relief