vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I got a refusal of payment notice on a card I use often. I went to log in and saw the card had been canceled. Then I started looking around and Synchrony Bank had closed EVERY ONE of  my accounts i had with them. I have never missed a payment on any of them, have 100 % payment records, plus I have even received substantial credit limit increases on several of them. There is no reason these accounts should be closed. We are talking about 11 credit cards ALL AT ONCE. My credit limit is going to be destroyed about this through no fault of my own. I have not even asked for COVID-19 relief because I have continued to work and I have a very decent salary. I need answers and nobody will give me one except for something copied and pasted from a sheet. This happened apparently on XX/XX/2020. I had absolutely no notice that this was about to happen.

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 2020-05-10 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 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: AL

Complaint narrative:
I have sent Equifax several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. Equifax keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my Equifax report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. Equifax is not investigating my report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: OK

Complaint narrative:
I received a letter dated XX/XX/2020 from Simm Associates , Inc. stating I had a negative XXXX balance of {$6600.00}. I do not have a XXXX account. I have never had a XXXX account. The debt claim is fradulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Inaccurate information on 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 2020-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I received a letter dated XX/XX/2020 from XXXX XXXX , XXXX stating I had a negative PayPal balance of {$6600.00}. I do not have a PayPal account. I have never had a PayPal account. The debt claim is fradulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Inaccurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: AL

Complaint narrative:
I have sent XXXX  several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. XXXX  keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my XXXX  report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. XXXX  is not investigating my report correctly.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have wrote Experian two times about deleting unknown addresses and inaccurate information from my credit file but yet they still refuse to delete addresses and the inaccurate information that I have no knowledge about are addresses that I can not receive mail at nor addresses that I never lived at.

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 2020-05-10 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: SC

Complaint narrative:
you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistanceXX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX XX/XX/2020 SC XXXX XXXX XXXX SC XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called American Express today to say that I will likely have trouble laying next months bill, and after being transferred to 4 different  representatives, they said to call back once I was closer to my payment due date. I tried to say that I want to get ahead of my situation before I got behind in my payments, but the rep said that no matter the hardship there is nothing they can do for me right now. It was very disappointing they didnt even try to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The WAYFAIR site offers the Comenity Bank Wayfair Card and an invitation to apply. The invitation clearly states that it will not affect the credit score negatively and that a preapproval would then advance to the actual card application. I filled out the preapproval form and WAS APPROVED for the Comenity Bank Wayfair Card. I was then notified on the pop up screen that further information was needed. My credit was indeed affected with a HARD INQUIRY by Comenity Bank.

I attempted to resolve the issue with Wayfair because they have the credit card application and invitation on their site. Wayfair blamed Comenity Bank and could not assist. Comenity Bank blamed Wayfair but it was Comenity Bank that did the hard inquiry without authorization or at the least deceptive invitation after the  preapproval which is deceptive and then advances to the credit card application that does affect the credit rating. I have repeatedly asked Comenity Bank to remove the hard inquiry. I no longer want the credit card but do need the hard inquiry removed that was not authorized and was deceptively done after the preapproval assurance that there would be no affect on the credit rating. Wayfair allows the invitation for the card on their website which can only be used for Wayfair purchases and Comenity Bank is therefor advancing credit card applications on the site so both are responsible for the deceptive invitation that assures there will be no hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was furloughed without pay from my job on XX/XX/2020 because of COVID-19. My wife 's hours have been reduced because of COVID-19. Our income has been severely reduced and so I applied for forbearance of our mortgage payments. Citizens One, the loan servicer, has not responded, has continued to send notices that I missed the payments due XX/XX/2020 and XX/XX/2020, and has charged a late fee. 

On XX/XX/2020 I sent a message to, asking what my options were and what they were doing to comply with the New York State emergency regulations recently passed in response to COVID-19. On XX/XX/2020, I received a response that I should apply for assistance through a separate " Assistance Center '' ( XXXX ) which required registering a separate username. 

On XX/XX/2020 I created a username and applied for assistance through the assistance center. I received confirmation that " You currently have an active Request for Assistance! '' According to an assistance center support/FAQ page ( https : //loansolutioncenter.com/Citizens/en-US/Content/COVID19 ) according to the FAQ 's : " After selecting the button ( Got to Requirements List ), you may be presented with a message indicating that there are no requirements available. This is common for COVID-19 situations and simply means you are not required to upload documents at this time. '' As of XX/XX/2020, I have not received any response and my request for assistance is still active, but the status is unchanged. On XX/XX/2020 our account was charged a late fee. We have received a monthly statement showing that our payments are behind and at least two separate late payment notices, on XX/XX/2020 and XX/XX/2020. 

I now realize that my initial question about NYS emergency guidelines is probably inapplicable because ours is a USDA guaranteed loan. Under the Federal CARES ACT, according to the guidance issued by the USDA : " Effective immediately upon receiving a request for a forbearance from a borrower who attests to financial hardship directly or indirectly caused by COVID-19,  lenders shall provide immediate forbearance of the borrowers Single Family Housing Guaranteed Loan payment for a period of up to 180 days '' ... " During the forbearance options outlined above, no accrual of fees, penalties or interest may be charged to the borrower beyond the amounts calculated as if the borrower had made all contractual payments in a timely fashion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After receiving a debt collection letter from portfolio recovery and associates. I sent a validation letter to the company. As a result the company could not validate this debt as required under federal law. And the account was removed by XXXX. 

Currently this account has been reinsurted under a new name XXXX XXXX XXXX XXXX. Even though account was sold to by XXXX  XXXX XXXX   XXXX  to portfolio recovery and associates and I'm around XXXX of 2019. 
This is a violation of the fair debt collection practices act section 809b Noticed ; account name is listed as XXXX XXXX XXXX XXXX  but address name and number is portfolio recovery and associates. XXXX XXXX XXXX XXXX Virginia XXXX. 
This information is misleading, fraudulent and violation of federal law. 

This account was reinserted without notice of reinstatement 5 business prior as required by federal law. A violation of FCRA rules 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit report has incorrect information about my JPMC card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report has incorrect information about my XXXX card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.

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 2020-05-10 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: NY

Complaint narrative:
My credit report has incorrect information about my XXXX card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.

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 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
I started receiving calls from this company. Robo calls. 

Tried to get verification from them. Written verification they have refused. 

I emailed, faxed and sent certified mail which they signed for. 

I have got nothing from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I leased a XXXX XXXX XXXX from Toyota Motor Credit Corp on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called Toyota Motor Credit and they confirmed that all payments were made on time. XXXX is the specific credit bureau that I am having problems with. I did not get a copy of Toyota 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my XXXX  account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my most recent TransUnion credit report I noticed multiple discrepancies. 

XXXX XXXX XXXX XXXX was added to my credit profile in XXXX of 2020, XXXX of 2020, XXXX of 2020, and now has has been reinserted under a new name XXXX XXXX XXXX  XXXX. Even though the account has been sold to put folio recovery and associates.This is a violation of FCRA rules. 

Please see attachment ; XXXX XXXX XXXX XXXX what's remove or deleted for reporting inaccurate unverifiable account. However the company has reinserted the same account under the new name XXXX XXXX XXXX  XXXX. However, the company 's name and address is still associated with XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX Virginia, XXXX. This information is misleading and fraudulent a violation of sec 809b of FDCPA.

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 2020-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: DC

Complaint narrative:
1. Original Account Number 2. Date the original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

I have no knowledge of this account. Please provide validation that this is my account with a signed contract by myself.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called XXXX XXXX XXXX and they confirmed that all payments were made on time. Transunion is the specific credit bureau that I am having problems with. I did not get a copy of XXXX 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my Transunion account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation