vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I purchased this vehicle in XX/XX/2019. The dealership had improperly charged me for gap insurance and a service plan. They eventually refunded the amount directly to the loan company in the amount of {$3400.00}. My account is paid ahead about 8 months and this company is trying to charge me a late fee. They are still making me make payments even though the account is paid ahead. I contacted them and they just tell me they only applied the amount to the principal and made no changes to my monthly payment. Why? Again the account is paid ahead and with all that is going on with the coronavirus this company refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The accounts as well as the inquires listed I had nothing to do with

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 2020-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Cards, XXXX, XXXX. Stopped my bank autopay. I became past due. 90 days with past due of {$140.00}. XX/XX/XXXX I could not access my acct online due to volume virus. Paid {$300.00} by bank bill pay. XX/XX/XXXX received closed acct dated XX/XX/XXXX. I changed password and paid {$2100.00} balance. Filed a feed back form. No response. Phone for 2+ hold then next day 2+hours hold. Today now on hold 1+hr.+. Can get no response. They have my phone, email, banking onfo and filed a negative credit report of 90 days. I have no, none derog/bad credit on my report. I paid as soon as I knew they had stopped my autopay. I have another card XXXX that is auto pay. I paid that acct in full.I would just like the derog credit removed from my file. I am still holding, will all day. Thanks

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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
New accounts are on my credit report that dont belong to me. My soc # was compromised 3 times last year and data was breached 2 times this year! I am not the responsible party. They are taking my identity using it in other states, opening fraudulent accounts enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: I.C. System, Inc.
State: OK

Complaint narrative:
Dear XXXX  / XXXX  : I am responding to your contact about a debt you are trying to collect. 

Please supply the information below so that I can be fully informed : Between XX/XX/2020 and XX/XX/2020, a new account in collections was added to your report. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX  XXXX. 


This debt was removed over 3 years ago for lack to validation within 30 days by all 3 Credit reporting agencies. Please go back in history and check to see the deletion. Now IC Systems is reattaching the debt again 3 years later. THIS IS ILLEGAL Attaching the debt 3 years later also stretches the date, which is also against the Fair Credit Reporting Reporting Actwhich is also ILLEGAL. 

Please remove from all Credit reporting agencies and they after frauding the debt and the date When I wrote the company itself, I demanded a copy of they contract or bill, and they could provide neither and nothing, not even original creditor, date of debt. Which is irrelevant since the debt was never validated 3 years ago within 30 days and removed from all 3 Credit Agencies, and NOW is put back on with a new starting date ... all illegal according to the Credit Reporting Reporting Act I am unsure WHY when I disputed the debt, your company validated the debt with NOTHING to prove the debt was good. Especially after it was proven invalidated years ago, and removed. Somebody needs to do their job more carefully. This lowered my credit 49 points. 



I expect this debt to be removed from my credit report IMMEDIATELY. I will be filing a complaint with the : State of Oklahoma Attorney General, XXXX XXXX XXXX  FBI XXXX  Fraud Division

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 2020-04-02 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: NV

Complaint narrative:
Per FTC sec.609 credit agencies are not validating my credit account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: PA

Complaint narrative:
I applied for a loan from American Financing. Everything was going smoothly, and I was confident I was getting the loan. Although it was a FHA loan, and I had to repair certain problems on the house. For example, I repaired a railing on my front porch, and I also had to fill in a large hole in back yard because of pipe repair.. I also had to replace electrical outlets that were near water sources. The loan was signed and dated XX/XX/2019, so I was told that the loan was approved. The only reason I didn't get it sooner was because of work that had to be done on the house. 
Finally, everything was complete, and the only thing left was the closing. On XX/XX/2019, I was called by XXXX XXXX, and told that I was not getting the loan. He said the stimulus bill the government passed had changed the investors minds. The reason I didn't qualify was my credit score was too low. The FHA guidelines state that my scores are good enough to satisfy the loan. American financial said my scores had to be at least XXXX. I believe that this company committed fraud. Also, these new guidelines should not apply to me because I already had the loan, and started this process last year. WELL Before the start of the pandemic. I thank you for your time in reading this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I called into Experian to speak with a representative and ask questions regarding recent changes that I reviewed on my credit report. Upon calling the phone number provided on Experians website I had extreme difficulty getting to a live agent, as the automated service would not provide that as an option. Eventually I pressed the option to file fraud against a minor ( which was not the reason for my call ) In an attempt to get help from a live agent. This took 23 minutes. 

My first live agent to answer was named XXXX, she explained she couldnt assist me in her department but would get me to someone who could. I was placed in queue to wait for another agent from member services. 

After waiting 53 additional minutes XXXX picked up the line. I explained my concern to him which was, why is a credit card that has been closed for more than 60days reporting negatively against my available credit usage, when in fact it is not apart of that usage since it is closed my second question was how does a credit card closed and paid off at XXXX balance gain a new balance 60 days later XXXX could not answer the questions he asked me to hold while he researched it and then placed me in the queue for another representative unknowingly again, after waiting an additional 15 minutes I ended the call. 

I still have been unable to get any answers or assistance to my question. Or the appropriate adjustment made to my credit score.

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 2020-04-02 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Ordered women 's XXXX XXXX XXXX sneakers on XX/XX/2020 along with several other items. Package was delivered on XX/XX/2020 however shoe box was empty, no sneakers were received. 

Tried to resolve with Macy 's customer service via phone number XXXX on XX/XX/2020 and was informed through the IVR no customer service agents are available due to COVID-19. 

Then tried to resolve via online at Macy's.com and received automated response that no customer service was available due to COVID-19. 

Macy 's credit card statement was received with charge of the order on XX/XX/2020. I tried to call phone number on credit card statement XXXX and was given same automated message that no customer service is available. 

I then tried to submit a credit card billing disputes through Macy's.com and was unable to add the Macy 's American Express card to my Macy 's account ( even though I verified all information requested twice ). 

I want either a refund for the purchase or I want the goods I had ordered sent accurately. It seems deceptive and unfair that Macy 's is accepting orders and yet the company is unable to process any claims for items not received as purchased.

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 monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
As of todayXXXX my care credit account which had a XXXX balance and a credit limit of {$1500.00} was closed without notice, I found out through my XXXX  credit report, considering the difficult times we are living Synchrony Bank should be a shame of themselves, this credit card is meant for a medical emergency, and even though my credit is not perfect I was not in default I paid on time and even though I was laid off by XXXX on XX/XX/2020 as soon as I could I paid off my account, I did it and I was happy to have it as an emergency, but this is not the first card this company closes, I also had a tjmaxx account credit limit of XXXX and XXXX balance and never in default, also they contacted me a week later they closed my account.I think specially now with covid19 care credit is an essential card and I shouldn't suffer the consecuences of their fears.

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 2020-04-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
GM Financial {$640.00} XX/XX/2020 due to corona virus, business closed, XXXX XXXX. want 3-6 months of payments put on back end of lease. 
All they offer is no late fees and no credit reporting XXXX and other companies are helping people with leases. 
They are only helping customers that purchase cars and trucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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