vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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: Automated Accounts Management Services
State: CA

Complaint narrative:
XXXX XXXX XXXX : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$340.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Hello, I purchased a car in Alaska from XXXX ( which was the worst thing I could ever do ) and I was a first time car buyer at the time. The car that I purchased was a reasonable price and the monthly payments ( {$310.00} ) was also reasonable. What I was unaware of was the interest fees. I am in a simple interest loan with Chrysler Capital who is funded through Santander Consumer USA and was unaware that my interest rate was 29 %. Not only do I think that is unconstitutional but I am pretty sure the bank was aware that my credit score was not best. This bank ( Santander ) charges me XXXX dollars a day ( even though I making payments ) in INTEREST. I purchased the car on XXXX XXXX ( A month before the pandemic hit ) and had to stop working in XXXX due to feeling ill and being a XXXX XXXX XXXX XXXX. I was not comfortable with putting my clients at risk due to me not feeling well. I signed a contract with XXXX to give me an extension due to the executive order that was put in place. I was unaware that they would charge me {$8.00} a day for 5 month of me not being able to make my payments. Once they packed on all of these interest fees and I started working again, I had to pay off interest before those payments can start going towards my principle ( mind you I am still being charged {$8.00} a day ). This loan option shouldnt be acceptable and shouldnt even be practiced. My car payments will never decrease as long as I am being charged XXXX  a day. After calculating my interest, Only {$73.00} is going towards my car while the majority of the money is going towards the interest. People buy cars to pay it off and not to be stuck paying more than what the car is worth. I could understand if they are charging me interest for every time I am late on a payment but to be charging me money everyday of interest for no reason other then to make money especially during a pandemic is unacceptable, especially a rate of 29 %. I truly believe there is some XXXX discrimination going on with this bank. They look for low credit, small income people like myself ( mostly minorities ) who need a vehicle to work and get us stuck into these horrible contracts without our knowledge. Everything is explained at the dealership, I read the documents but the way the salesman make it seem is NOTHING like how it is once you sign those contracts. There has to be a law where these big corporate businesses are not able to take advantage of consumers like myself. The interest fee alone is ridiculous and shouldnt be practiced. I am all caught up with my payments and interest but as everyday goes by the interest builds back up again. Majority of the money from my payments are going towards interest. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2021 I tried to redeem my membership rewards points to book a flight but that wasn't successful. I chatted with the customer service who informed me that my rewards account was put under review that same day and this process takes 4-6 weeks to be completed. It's been 6 weeks so, I chatted again with 2 different customer service representatives who both confirmed that there has been points acceleration done recently to my account and that I should be able to redeem my points now. I went ahead and tried to redeem my points for a flight reservation but still was unsuccessful and they charged my credit card even though I didn't authorize this ; I chose to pay with points in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
The finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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:
I am writing the complaint as Experian, XXXX and XXXX  has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX  received from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given a XXXX from XXXX and submitted in a dispute to experian to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason experian keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from experian. What is the point of a debt being cancelled if it is not removed from 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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I found this ic collection while monitoring my credit. In XXXX  this collection was removed by XXXX. Now again it shows up on my report. I called the collection agency to ask them over a month ago for a debt collection verification letter after asking them why once it was removed did they place same collection on my report. They stated they sent out a letter however I asked address and it wasnt mine!! This address wasnt on my credit report and I asked for another to be sent to my correct address and they have not sent anything amd collection remains on my 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 2021-02-24 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: DISCOVER BANK
State: FL

Complaint narrative:
I am writing the complaint as XXXX, XXXX  and XXXX has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX  received from DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given a XXXX from discover and submitted in a dispute to XXXX to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason XXXX keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from XXXX What is the point of a debt being cancelled if it is not removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE LAST XX/XX/21 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
RE : Closed Complaint # XXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXX  for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
RE : Closed Complaint # XXXXXXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXXXXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
RE : Closed Complaint # XXXX XXXX XXXXXXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXXXXXX XXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX  XXXX via Experian in XX/XX/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 2021-02-24 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: NJ

Complaint narrative:
Experian is purposely keeping negative accounts on my credit report, that are not valid. Also they say they update the accounts, then nothing changed. Also when you do dispute with them, they purposely write negative things on the report, to make your credit score worse. Also I tried to redispute them, and experian wont let me, basically forcing the information to stay on my credit report. Also they keep having misinformation about my names. A lot of them are spelled incorrectly.

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 2021-02-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: MA

Complaint narrative:
RELIANT CAPITAL SOLUTION The debt in my name is inaccurate. I have disputed twice and they will not remove this from my account. I do not attend this college nor did I ever. I am enrolled in a separate college and dont know why I was never contacted. Is this fraud? Is someone using my name? I wouldnt know since they keep lying to the credit report saying this information is accurate when its NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 47 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a check to them via usps priority mail. It was then picked up by XXXX XXXX at XXXX according to the post office records. I called on Monday to ask if they can just confirm they did receive it : the agent XXXX told me he could not check and I would have to just wait if they got it before XXXX PST it would be processed same day if not the next! I called again XX/XX/18 and spoke to XXXX who then looked in the ledger this time and said he did not see it was inputted meaning they have not started processing it nor could anyone confirm they have it but havent got to it. Since the value of the check was over XXXX I wanted to make sure someone from their company did indeed pick it up but he said that was not possible. I then sent two support emails asking for a follow up to which both were closed without any follow up. I now have no clue what is going on, when my check will be processed or if their team even has it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX I called credit acceptance company and told them I couldnt make payments anymore and they could come repossess the vehicle. I let them know I was relocating out of state in XXXX and would like it taken care of by then. I made multiple calls back in between XXXX to XXXX for them to pick up the vehicle. On XX/XX/XXXX I received a confirmation call the the vehicle had been reposted from the driveway of my old home. I had already moved at this point. My credit report was updated the following month showing it as a closed settled account. It sat there as a closed settled account until XX/XX/XXXX when it randomly showed up as an active loan with missed payments on my credit report. I have contacted the company and they are now stating they we never repossessed the car. They claim it never showed as settled. This is incredibly frustrating and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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