vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though Infiniti XXXX XXXX XXXX authorized the vehicle for resale after replacing defective parts. Infiniti is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions, the sales manager contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon Infiniti  XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NC

Complaint narrative:
as previously notified, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received continued collection phone calls from DRA ( portfolio recovery ) and advised them I have no debt with them. They advised me they are collecting on behalf of an old debt in XXXX from XXXX. That debt was included in my bankruptcy and was discharged on XX/XX/XXXX. I had informed them and to stop. In spite of their system that shows my account was in BK, I continue to get phone calls and messages to collect this debt which is a violation of my bankruptcy discharge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: GA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This account has been on my credit since XX/XX/19. I have made repeated attempts to get this account off of my credit, but the company keeps stating the account meets FCRA requirements when in fact I have never had dealings with this company and the account is a result of identity theft!!! PLEASE REMOVE FROM MY CREDIT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: MD

Complaint narrative:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My wife made an online purchase for a diet supplement product from a Company called XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have been billed {$250.00} and received nothing for it. They sent us two packages and we have worked with our postal carrier to refuse delivery and return them to sender, since we did not want them. Company does not make it easy to take advantage of their so-called " money-back guarantee '' - or any attempts to cancel purchases, or the whole program. All attempts to contact customer service has either resulted in no calls being answered after more than 12 minutes on hold, a direct disconnect from agent, after he found out a disputed was " in-process. '' We have been working with AMEX to reverse multiple charges from this company without success. We have worked with AMEX to close my wife 's account and have a card reissued with a new number. We put stops on all reoccurring charges, but they change company names and merchant numbers and resubmit charges by stating to AMEX " card on file '' to avoid the fact that her old card number doesn't work and she has a new number. 

This company is a well documented scam and fraud ( see this UDL XXXX XXXX XXXX  XXXX ). 

Please help with AMEX and / or this company. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 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 file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I became default with a loan I received through Cash Store payday loans. When in default I also was in the process of modifying my current chapter XXXX  bankruptcy. In doing so, I provided the company with the information to contact my lawyer and the bankruptcy number. Never heard from the company for over a year. Then, a collection agency called and mailed me a letter and basically stated that I needed to pay them in full and would not make arrangements other than the debt amount to be paid in full. I informed them that I could not make such payments and asked if they had contacted my lawyer regarding the bankruptcy. Again no further contact from them until they transferred the account ( I assume ) to another collection agency. This collection agency was so rude, yelled at me over the phone, called my references and had them so upset and disclosed so much personal information about me it was ridiculous. Recently someone left a message stating that they was taking the matter to civil court and provided me with a case number for XXXX county. Again, I asked them to send me information in the mail so that I can properly addressed the matter. I was informed that they will not send me any information and that I will just need to wait to hear from my county regarding the civil case. How is it that these collection agencies will refuse to provide me with any information and that the Cash Store continues to transfer my information to several different agencies? I need help to try to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX, DE XXXX Hard inquiry - I did not Authorize XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: FL

Complaint narrative:
Ref : Credit Reporting/ Cares Act/ FCRA, remove/ delete COVID-19 late payment request ATTN : Experian/ Report Number : XXXX, Dispute on XX/XX/2020 The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.

The CARES Act requirement to report accommodated accounts as current effected by the pandemic. The amendment defines " covered period '' as the period starting XX/XX/2020, until the later of 120 days after enactment of the CARES Act or 120 days after the end of the national state of emergency declaration. 

I notified my creditor that I was affected by Covid-19. And the reason my payments were delinquent was due to COVID-19 financial hardship. I requested a deferment/ forbearance. I have never been late before the COVID-19 Pandemic.

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 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I recently refinanced my home mortgage, and the new loan funded on XX/XX/XXXX. The payoff statement from my old servicer, Specialized Loan Servicing LLC ( SLS ), was from XXXX through XXXX. Since the new loan funded on XX/XX/XXXX, SLS owes me an interest refund from XX/XX/XXXX through XXXX. I spoke with SLS on XX/XX/XXXX, and their representative confirmed that my interest refund from XX/XX/XXXX to XXXX was in process, and a check would arrive by the end of XXXX at the latest. It is now XXXX, and I have not received a check or any further communication from SLS.

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 2020-08-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I called Citi bank and requested that my payments should be deferred due to me not getting paid as a result of the coronavirus. 

The representative clearly confirmed that my payments will be deferred for two billing cycles and no late payments will be reported to the credit bureaus ( attached is a phone call recording and letter from Citi confirming the above ). 

When checking my credit report I noticed that Citi is reporting a late payment on my account for the month of XX/XX/2020. This late payment is from after the date I first contacted Citi. And as per the Citi rep, the amount due was to be deferred as well. And the XXXX payment was not required

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 2020-08-03 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Conn's, Inc.
State: CO

Complaint narrative:
I went into the XXXX 's XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One XXXX, VA  XXXX Hard inquiry - I did not Authorize XX/XX/2019 Cap One XXXX XXXX XXXX, UT  XXXX Hard inquiry - I did not Authorize XX/XX/2019 XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 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: VA

Complaint narrative:
I purchased a car with XXXX XXXX XXXX in XXXX. The Car was repossessed during my divorce proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: VA

Complaint narrative:
I purchased a car with XXXX XXXX XXXX in XXXX. The Car was repossessed during my divorce proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called XXXX XXXX and requested that my payments should be deferred due to me not getting paid as a result of the coronavirus. 

The representative clearly confirmed that my payments will be deferred for two billing cycles and no late payments will be reported to the credit bureaus ( attached is a phone call recording and letter from XXXX confirming the above ). 

When checking my credit report I noticed that XXXX is reporting a late payment on my account for the month of XX/XX/2020. This late payment is from after the date I first contacted XXXX. And as per the XXXX rep, the amount due was to be deferred as well. And the XXXX payment was not required

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 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Getting robocalls 3 - 5 days a week from Municipal Services Bureau saying they are calling on behalf of XXXX County. Since XX/XX/2020, I've received 46 calls from them. The ones prior to XX/XX/XXXX, I had already deleted. ( Call log attached ) The beginning of msg is always cut off because they start talking before my recorded greeting stops. I'm asked to log onto website www.msbpay.com or call XXXX. But I need to provide a reference # & zip code to log in. Problem is, I don't have a reference # and if they are referencing one, it must be on the first part of the msg which is cut off. 
Plus I am not aware of any debt own to XXXX County, CA. I do not live or work in XXXX County nor have I ever received a ticket while driving through XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Experian refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Experian Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full

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 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I received continued collection phone calls from XXXX ( XXXX XXXX ) and advised them I have no debt with them. They advised me they are collecting on behalf of an old debt in XXXX from HSBC. That debt was included in my bankruptcy and was discharged on XX/XX/XXXX. I had informed them and to stop. In spite of their system that shows my account was in BK, I continue to get phone calls and messages to collect this debt which is a violation of my bankruptcy discharge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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