vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XX/XX/2015, I ended my lease early from Nissan Motor acceptance Corp and as part of the deal to get us into another Nissan, the XXXX XXXX agreed to absorb the payments. Upon purchase of the new Nissan I didnt not receive a bill or call from the company. 
I recently applied for a mortgage learning that this bill is on my credit report as derogatory and I am unable to get a mortgage. I called Nissan and they were able to produce the attached bill but said they were unable to accept payment because the debt was so old and they didnt see an open account to apply a payment to. They did an investigation and determined they wont accept a payment or remove it from my report. 
Nissan motor acceptance Corp told me that this particular dealership had many customers fall victim to this. 
Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 1. Account name : Toyota Motor,  Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/ XXXX.. 2. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/XXXX.. 3. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Account Balance : {$210.00}, Reporting on : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: CA

Complaint narrative:
We had a debt with WJ Bradley that was originated in XX/XX/XXXX. The company filed Bankruptcy in XX/XX/XXXX. We never received any documentation that specified who the new creditor was going to be. We did not make a payment for months, we were contacted by the new creditor via a phone call. My wife made arrangements to catch all the payments up that were in arrears via a phone conversation. We never received anything " official '' from the Creditor which is XXXX XXXX. We never received any documentation of how the payment plan was supposed to work, when it began when it was over and what the total cost of it would be. Since this is a debt that accrues interest I would hope that they would need to provide that. The website to XXXX   XXXX has a phone number that instantly goes into a voicemail that was full, the email address bounces back and there is not a listing I can find for the business or corporation in the US.  We were asked to wire funds to a bank called " XXXX XXXX  a Division of XXXX XXXX. Their beneficiary is XXXX XXXX XXXX town in the XXXX XXXX. My wife was hesitant to wire funds to the XXXX XXXX so she asked for an address to send a check. She ordered a check through XXXX XXXX Bill pay in XX/XX/XXXX and it has come back to us uncashed. She had the address that was given to her via an email along with the correct account number that was provided yet the check came back after 4 months. I can not find a phone number, a working email to the company ( heavens knows who that person is my wife has been corresponding with VIA email ) I have no trustworthy way of communicating with this " entity. ''

Company response to consumer: Untimely response
Consumer complaint received 2019-05-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax today XXXX XX/XX/2019 XXXX spoke to supervisor XXXX and rep XXXX after realizing that my credit score had dropped XXXX points on XX/XX/2019. I was provided information that the score was dropped because XXXX had reported my loan being in deferment. So I called XXXX and XXXX stated that by them reporting my loan in deferment should not be recorded as derogatory and that my score should not have been effected. They wanted me to provided them with a copy my credit report from Equifax. I called Equifax and got the run-around. They needed to validate my identify. They asked me a series of questions. All having to do with inaccurate info they have on their report which is none of the truth. They ask questions that do not match up to the truth then tell you that you failed authenticity and demand you to fax over a copy of your drivers license and social security card. Not only is this a way for your identity to be stolen, it may be why millions of people were able to get their identity stolen by Equifax, its a scam millions have gone through this process and was told what I was told. They refused to work with me to discuss why my score was dropped and they refused to accept the correct answers I provided them. They ask questions that are in three parts and they say it very quickly and refuse to repeat the questions. They asked me what was my filing date for my BK ; I provided it. They asked about my car loans and payment amounts I provided that. They then ask what was the exact date I applied for an Equifax report, which I have not a clue. They also have different dates as to when my BK was filed and I have my paperwork on everything about my BK and they say it needs to be the date on their report which I do not have!!!! The true dates are what the court sent me regarding my filings not the false info they have. I was trying to get my report from them. They are holding consumers hostage, and using their credit scores against them to satisfy the lenders who pay them to keep our credit destroyed!, so we can be charged higher interest rates. I am livid. There are over a million complaints on various sites about this and what is the CFPB and the FTC doing about this? I was unable to get my report, because they do not want to address the issue of plummeting my score by XXXX points. There was no reason for it. Several people have complained about this very issue. I verified my identity correctly and they want me to fax my SS Card and Drivers license. Why? Because they do not want to correct disputes. They target you after you complain and drop your score even more. Its a game and a dangerous one.  What's being done?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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:
Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX XXXX XXXX XXXX XXXX number 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 explanation
Consumer complaint received 2019-05-15 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: NC

Complaint narrative:
Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX Creditor XXXX XXXX reference number 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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
Hello, I hope this message finds you well. 

Enhanced Resource Centers have been unwilling to provide any Account Verification details with me whatsoever. 

I had sent them a Certified Mail Debt Validation Request, and the address that is on file for them on my XXXX  Credit Report, and the address that the representative I had spoken to provided me with is the address which I sent the correspondence to. The correspondence was returned to my address with a statement from USPS stating that this parcel was not deliverable as addressed and it was unable to get forwarded either. This is deeply concerning to me. As not only they refused to provided additional details, the address on file for them on all of the platforms is incorrect. 

Please see the attached files for all of the proof that I have with this statement. 

Furthermore, after speaking with them on the phone they would not give me any details other than what is inaccurately listed on my XXXX   Credit Report. 

Please help me, as this derogatory remark on my Credit Report is causing tremendous stress and making me lose out on several career opportunities due to the nature of my field as a XXXX. I am hoping that the evidence I have provided is sufficient to close this account and remove this derogatory remark from my credit report. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018, I made a wire transfer for US {$2500.00} through Bank of America from my BOA checking account. I was also charged with a fee of {$45.00} to make the transfer.The money was intended to be sent to my nephew in XXXX for family support. He never received the money, once I was notified within couple of weeks that the recipient did not receive the money '' I immediately went to the local branch where I made the transaction and informed them of the situation. The bank made a recall and did not get the money back to my account. It's been more than a year and three months : bank has not still resolve the situation and provide me with any answer. They have been very negligent and seem they don't care. At one point, one of the manager told me that I may never receive the money back which I could not believe that any bank officer would say something like that. I went to the bank dozens of times over and over again, called their wire transfer department, called the intermediary bank and nobody knows where did the money go. I definitely need some serious help to get my money back and any assistance would be greatly appreciated.

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 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
This collection agency is charging me for a debit that it is not mine they closed a account that was paid in full by insurance and they were charging me as a collection service then they closed the account and then they open a false account to charging me for a debit that i dont Owen si i want then to closed this accounts and delete my information from there files for good i think that they haces taken with out my permition information that i didnot autorice and never sign any documents from them and they never sent me any information that could let me know that i had a debit from them. I think that they are using my information for there sharing files with others. I feel un safe knowing that they haces personal information that could be used with out my permition like they just did in this account that they oppend with out me knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
In early XXXX of this year I was going through some really bad financial hardships and was also in the process of moving, and have been missing payments on my 4 Direct Sub Stafford student loans all the way until now. 

I have just recently gotten back on my feet and hold an XXXX job, but I have not gotten settled in my current living situation so I have not been able to repay the payments that are past due. At this current rate, I will not be able to pay on time because of the past due balance for at least another couple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax when identifying a consumer asks for all credit card info and then picks one it wants. all bank cards named and then says that is the one, instead of multiple choice like other 2 bureaus. it is nuts. i have 28 cc and 5 bank lns. to name them all from memory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: AES/PHEAA
State: TX

Complaint narrative:
My credit report is being negatively affected by 13 total late payment indicators on 3 separate student loans I have with XXXX XXXX XXXX. The loans were always in good standing for years before these reported months and are in good standing now since 2016 when these payments were reported late inaccurately. Its my belief that the loans should have been in deferment at that time or if they were not, I was not properly notified that the payments needed to be made. Even though fed loan servicing is reporting the late payments they refuse to remove them but suggest that I ask the credit bureaus to remove them as a courtesy. But they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: VA

Complaint narrative:
I Filed a dispute with equifax to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was in delinquency ). Equifax provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

I provided equifax with evidence ( a letter issued by XXXX ) showing dates currently being reported by equifax as inaccurate. Account was not late, but in forbearance. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I paid this account back in XX/XX/XXXX with collection company called Credit MGMT XXXX XXXX on behalf of XXXX cable. And they stated that they will have this item out of my account within 30 days. Now it is XX/XX/XXXX AND THIS ITEM STILL REPORTED ON MY CREDIT REPORT PLESAE HAVE THIS ITEM REMOVED! THANK YOU SO MUCH

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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a " XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' at {$170.00} on XX/XX/2019 and found a lower price later. I filed a price rewind claim on XX/XX/2019 to Citi, which is on of the card benefit. 
However, my claim was denied because the product is defined as " consumable. '' I believe the decision was incorrect due to the following two reason : 1 this product not only include bulb but more importantly the smart home system, which is definitely consumable and 2. The XXXX XXXX bulbs has XXXX hours lifetime which lives longer than most of the products. I don't think they fall into " consumable. '' category. 
I tried to reach for help with XXXX customer service, but it seemed no way to do that.

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 2019-05-15 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.

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 2019-05-15 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Inquiry is from XX/XX/2018 National Credit cards/AIRLINES SYNCB XXXX FLORIDA XXXX I DO NOT HAVE AN AMOUNT THOUGH

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 2019-05-15 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:
Incorrect information showing

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 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
The following accounts have been placed into collections and I do not notice them. I have disputed them with the collection agencies and the desire Bureus. They have not removed them. THESE ACCOUNTS DO NOT BELONG TO ME. 
XXXX/Convergent outsourcing- opened on or around XXXX. 
Account # XXXX XXXX XXXX XXXX- opened on or around XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX : Opened on or around XXXX Account # 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 explanation
Consumer complaint received 2019-05-15 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 )  SW CREDIT SYSTEMS L.P ( XXXX )

Company response to consumer: Closed with explanation