vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX XXXX XXXX is misreporting on our credit reports from XX/XX/XXXX XX/XX/XXXX. We demand a full removal of the lates and that any fees that were charged in error be reimbursed to us. 

We have been true to XXXX and used them for our last XXXX XXXX auto loans. 
We are extremely frustrated, as after wasted hours of research, challenging, and disputing the lates, they have yet to be fully corrected. 

See our XXXX dealership 's letter showing we traded in our vehicle in XX/XX/XXXX and that they admit they failed to process the trade-in timely and correctly pay off our old XXXX loan. This has resulted in a XXXX point drop in our credit scores and is stopping us from getting our home loan. 

Screenshots included : Our new loan established XX/XX/XXXX for our new vehicle. As you can see XXXX had no problem quickly reporting this new loan and collecting on it. 

You can see our old XXXX loan from XXXX was eventually paid off ; however, it took 5 months for this loan to finally show paid off. I was told that the pay-off was misapplied to our new loan vs. paying off the old loan, which is supported by the screenshots of the XXXX accounts. Regardless of what happened, it wasnt our fault, and we demand our credit reports be immediately corrected and that we be reimbursed by XXXX for all of the extra fees they collected at pay off in error. 

The third image is a letter from XXXX XXXX dealership admitting they failed to pay off our trade-in vehicle timely, which caused the error to begin with. 

I have also included screenshots of my XXXX XXXX 's XXXX and XXXX 's credit reports addressing the late marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I received a bill for my property tax on my new condo. Being my first property I was unaware that property taxes were to be paid by my lender due to it being included in escrow. I have contacted them 6 times 5 times since and have only been met with excuses. My bill was {$3200.00} Ive done all I could and am just looking to get my money back and I didnt see any other choice then to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: SC

Complaint narrative:
This complaint is about Conn 's stores. I purchased a full bedroom set and a 55-inch TV. On XXXX, the banks were closed for the holiday, and my paycheck had not cleared. Conn 's attempted to draw the payment but could not. On XX/XX/2021, I went online and paid the monthly installment. As I was making the payment, I received a call from Conn 's. I explained about the bank being closed and that I had just made the payment. I informed them I only get paid twice a month and that I wanted to change the autopayment date to the XXXX of each month. I was informed that I could not make the date change but that I have 10 days after the due date to pay the bill. Also, to change the date, I would have to have the account open for 45 days. She then suggested that I do not change the date, since it is only a couple of days and that if I paid before the 10-day grace period I would incur no late charges or interest. Since that conversation on XX/XX/XXXX, I have been called 8 times, sometimes twice a day. The latest 2 calls were received today, XX/XX/2021. XXXX 's still shows my account as past due even though the payment hit my bank on XX/XX/2021. The calls are coming to both my work and cell phone number. Several times when I answer my work number, the caller says nothing and hangs up. I have requested that they remove my number from their auto-dialers but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
This is not a rhetorical question however why do I have inquiries in my report which are not mine? Recently, I viewed my report and I got shocked that I have somebody else info in my credit record. Is it legal in general? Why Bureaus failing to maintain procedures regarding the law mainly to check the information and update correctly? Could you imagine how these fake and wrong inquiries damaged my life recently when I was rejected because of them? Please can you investigate and remove these items from my credit report, come on its not a joke and because of these items I am in troubles. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is Fraud, This was not incurred by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I called American Collection Enterprises , Inc. today 3 times. I originally received the phone number from the medical provider I owed the balance too. I spoke with one guy at ACEI who transferred me to a woman name XXXX XXXX who was very rude. I asked her how can I receive a copy of the letter which they stated was mailed to me in XX/XX/2020, which I informed them I never received. Because of the back and forth conversation I asked to speak with her manager, which she state no because she's not saying what I want to hear so I hung up and retried the call to get another representative. When calling back the receptionist forward me back to Ms. XXXX. I asked if she was the representative I just spoke too. Again, it was a back and forth conversation then she put me on hold to listen to music. I called back again and demanded to speak with a supervisor, which I was then transferred to a Ms. XXXX who also wasn't listening to my request. As I stated to her I was requesting a copy of the letter they said they mailed back in XX/XX/2020. This company is very rude. I told Ms. XXXX I will call the medical provider and pay whatever is owed to them because I'm not paying someone who will not provide the communication they stated they sent. Ms. XXXX stated go ahead it will just take longer to get it resolved. Why would I pay anyone who stated they mailed me communication when I'm requesting that they send it to me again so I will know who I'm making a payment too.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have gotten my credit report an it has many incorrect items on it. I have contacted the credit reporting agency and requested that it validated and they should send me the information on how it was validated. They have constantly ignored my request and have yet to send me any information I asked 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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried numerous times to have these incorrect information removed from my credit report. They have ignore my request for over a month now and have yet to send me the information I have requested in regard to the false reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/21 I received a letter from Synchrony Bank stating my account was closed. My account XXXX XXXXSynchrony XXXX  ending in XXXX was in good standing. My account was never late, I always paid over the minimum, and the card had a XXXX balance at the time of closing. The reasons stated for closing my account are incorrect and/or do not apply to me. These reasons also infringe on my right to control my own finances. Here are the reasons : 1. Not Enough Balance Paid down over time on Student loans. 
My student loan is " paid as agreed '', is not over the 30 year allowed term, and currently not in repayment due to a government shutdown of payments. This is not a valid reason. 

2. Delinquent or Derogatory Status on Accounts is too Recent.

I have NO delinquent or derogatory accounts on any of my 3 credit reports. I have a total of 74 accounts NONE are delinquent of have been in the last 7 years. I also have XXXX dollars in usable credit and only 18 % utilization. This is not a valid reason 3. Not Enough Balance paid down over time on retail accounts. 
I have 39 cards and mostly only use 6 personally and 2 for business. Synchrony Bank has a right to protect their interest, but not the right to dictate how I use my other finances. My report does not reflect that I have NOT paid, or missed a payment on any of my Retail accounts. This is not a valid reason. 

4. Too Many Inquires. 
The amount of inquires on my report are less than the amount that was there when they originally approved my account. This is not a valid reason. 

Synchrony actions has affected my over all debt to income, and my lower my credit limit. This have affected my overall financial rating with future lenders, and my standing in the business world. Synchrony violated my rights as a citizen who has control over his finances, as well as their user agreement. I believe I was targeted because I'm a minority and Synchrony felt I would not fight back. I spoke with the Supervisor ( XXXX employee # XXXX ) who lied and stated I needed to dispute this with XXXX. The reasons 1-3 above do not appear on my report, there is no way to dispute what is not true. The Supervisor deliberately lied in order to not address my complaint, as well as showed a great disregard to my complaint and injury. I want my account restored to it previous status before it was closed.

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 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
I have two medical bills ( {$130.00} and {$89.00} ) showing up on my credit report by three collection agencies : XXXX XXXX, XXXX XXXX  and CBC Collections. I contacted the medical group to pay and they told me to contact CBC Collection and gave me the phone number of XXXX to pay the debt with them. I contacted CBC Collections today XXXX XX/XX/XXXX at approx XXXX ) and spoke with XXXX XXXX arrange payment. I asked how to make sure that all 3 collections were removed from my credit report. She told me that XXXX XXXX and XXXX XXXX were both out of business as of XX/XX/XXXX and to trust her that they couldnt report it. I told her they reported to the credit bureaus as recently as XX/XX/XXXX so how could they be out of business. She then said only one was out of business but wouldnt say which one. Again, I said they are both reporting and both have websites that are up and active. She repeatedly told me to just trust her. At that point I asked to speak with someone else because she wasnt being honest with me. She refused to transfer me and said I was making things up. I terminated the phone call because I no longer believed I could trust XXXX CBC Collection to be truthful in how to arrange to pay the debt and have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XX/XX/2019, {$620.00} I have tried to dispute this debt, I have no knowledge about My address is XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX I have no knowledge of this account.. please delete this from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed an account on my credit report listed in collections by XXXX XXXX XXXX for {$1400.00} that I did not recognize. I mailed a certified letter to XXXX delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was XXXX generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, XXXX sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX  on XX/XX/XXXX I met with an attorney representing XXXX that told me that XXXX did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, XXXX never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.

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 2021-02-23 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.

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 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
My pay pal account got hacked and opened up 4 more different credit accounts and my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I still have not been able to fix inaccurate information on my credit report. XXXX removed 15 years of credit history. I have a Wells Fargo credit card and I had perfect credit history with that card. I made all my payments on time. XXXX removed that credit history from my report and it is hurting my credit. I tried to resolve the issue by calling XXXX. XXXX will not take my calls anymore. Every time I try to call, I am told that they will not accept my call. I can not even contact XXXX anymore. How do resolve the issue if they won't even talk to me?

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 2021-02-23 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: WA

Complaint narrative:
Dear Credit Bureau I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
My information has been stolen by someone unknow and they have been using it to get credit on my name, i have been very responsible securing my personal information, i cant think how they got their hands on my information, as a person that barely used credit, i can not explain how it is destroying my name / credit rating. my goal for this is to have all debt that does not belong to me removed delete and block from reporting to credit ever again.

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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XX/XX/2017 {$840.00} / charge off account This debt company consists reports a debt. On my report, hassment, I have no knowledge of this debt. Please remove immediately, Please deleted Inaccurate information, wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AL

Complaint narrative:
THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX  XX/XX/21 {$800.00}

Company response to consumer: Closed with explanation