vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On or about XX/XX/2020 I had to have XXXX to remove my XXXX. On or about XX/XX/2020 I had a payment to come due and could not pay it due to me being out of work from my XXXX. So I spoke to one of the ladys at One Main in XXXX, SC about my payment and what I needed to do about it and she told me that I could do a partial payment on the payment that was due as to which I did. Then on or about XX/XX/2020 I had a payment come due with the same company so, I spoke with them on this matter and they granted me a partial deferment payment on my account. Then in XXXX of XXXX I was still not able to work all that much due to the pain that I was going through and what money I did make I had to pay other bills to keep from going under. I did go back and see my doctor and they sent me to a XXXX were I found out that I have XXXX XXXX which is why I am still having problems. The XXXX that I seen that found the XXXX XXXX has put me on light duty work for an unspecified amount of time.Then on  XX/XX/2020 I received a phone call from my doctor telling me that I needed to go be tested for COVID-19 because one of the ladys in there office tested positive for it. Now I am out of work until I get the results back.So I have not been able to pay on my account for 2 months because of not being able to work that much and other bills needing to be paid also. Also my bank account has closed due to it being compromised so I have no way to pay my bill online. This whole time they have been calling me about this sometimes after XXXX XXXX, and I have informed them of the situation. Well on XX/XX/2020 I received another phone call after XXXX XXXX and spoke again with one of the ladys at the XXXX, SC office about this issue and she informed me that I needed to let some of my other bills go to pay them or my account was going to be turned over to collections. They are asking me to pay {$410.00} immediately but, I do not have it because I am out of work now, and do not know when I am going to be able to return to work due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In 2017 I had got a victims comp check in the amount of {$2500.00} at that time I was banking with chase bank after deposit the check was clear the account that days chase bank closed my account kept the cash and still this day refused to refunds me the cash

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020, I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl 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 2020-07-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Please forward to American Express. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: OH

Complaint narrative:
Transunion has information on my credit report which is false. I tried to file the dispute on line and there was no ability to contact them. I need the information regarding student loans corrected and my credit report reassessed as soon as possible. I have not heard from anyone in the company since telling Transunion the information was incorrect. My credit score with Transunion is listed as a D. This has placed me in a difficult situation.

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 2020-07-08 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:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020, I received a copy of my credit history report from Equifax. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Lease via Kia Motors. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by Kia Motors credit report update issued on XXXX showing that account was paid in full and has a XXXX balance.XX/XX/XXXXXX/XX/XXXX XXXX. 
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations. 
I have contacted Kia Motors only to be told that that is their policy and therefore could not be helped. 
I have disputed any claims of delinquency via XXXX and XXXX XXXX credit reporting agencies.

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 2020-07-08 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: UT

Complaint narrative:
Equifax is reporting an account that has an active police report showing XXXX is inaccurately reporting fraudulent balances that was due to identify theft. How did XXXX verify fraudulent balances?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased a new vehicle from XXXX XXXX and the traded in my old car that I owned through Chrysler Capital. My Payment was due on XX/XX/XXXX and was the exact date that the Payoff Balance was supposedly entered Chrysler Capital system. Chrysler Capital sent me a payment statement via email as to say that the payment was received in a lock-box previously and entered on XX/XX/XXXX. My Issue is that with Everything is taking a very long time to process and most companies aren't even allowed to be open because of the Pandemic if they were not considered essential how was the payment processed in a timely fashion? So how was my payment considered late if it was mailed? Extra time should have been allowed because of the extenuating circumstances. I do not believe That I should be penalized with a 30 day late mark on my credit for something that I had no control over. The company stated that the payment was on the way so it was no need for m to make an additional payment. I however, should not be held responsible for when it was entered into the system, which was suspiciously exactly on the XXXX Day. I've had the vehicle for 3 years and I do not have any late payments except for the pay off balance which was paid by another company. This is ruining my credit with this 30 day late mark and I think that it is unjust and undeserved especially during this time that the world was practically shut down and I had been paying before being considered 30 days late. Can I please get some help with this? Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I have an open account with citizen, I I believe that I may have been late for a payment. However I lost my job due to cove-19 pandemic and have recently started a new one. I continually am catching up. How ever I did request to citizen that the payments not be marked as late as I am paying as quickly as the funds become available to me. In addition XXXX is marked 30 days late and XXXX payment are not due until til XX/XX/XXXX. This is completely unacceptable and Id like it to be resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
To whom it may concern, AFNI has decided that I owe XXXX XXXX XXXX {$270.00}. XXXX XXXX XXXX has said they have no knowledge if this account and this is fraud. I received no communication from them and the bill juts appeared on my report. I have had the same XXXX  phone number for 22 years and my account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I reached out to the company via mail requesting validation of debt, respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Under federal law, you have thirty ( 30 ) days to complete. It has been more than 30 days and I have not received anything from this company, therefore violating FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX of XXXX, the XXXX XXXX XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and XXXX dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from XXXX and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with XXXX, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.

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 2020-07-08 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: NJ

Complaint narrative:
In XXXX of XXXX, the XXXX XXXX XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and XXXX dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from XXXX and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with XXXX, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: VA

Complaint narrative:
I applied for unemployment with the District of Columbia XXXX XXXX XXXX XXXX during a week of furlough. I requested direct deposit for my payment. While waiting to hear if I'd been a approved a debit card arrived from USBANK. The card bore a DC.gov logo and while the letter included standard legalese about opening a new debit line, it contained no information about my XXXX claim. 

I assumed I'd been paid, somehow through this debit system instead of through direct deposit as I requested. It seemed that I'd only be able to check the balance if I activated the card, which I did. 

The balance is XXXX dollars. On further research, it's unclear to me why this card was issued in my name, I did not request it. It seems that DC DOES will not be using it to pay me. Therefore it only opens me up to potential fees or identity fraud. 

I called to cancel the card as was put onto a phone tree. I was told there were over 600 people waiting on line, and it took 7 minutes to get to a place in the phone tree where I could request a call back.

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 2020-07-08 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
This account was an auto loan. It was closed and charged off in XXXX. In XXXX, GM financial reported to XXXX that the account was current by reporting a current payment which was fraudulent. GM financial reported this to keep my account in negative standing with the credit bureau. Despite several letters to GM financial explaining their fraudulent practices, there has been no movement in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: FL

Complaint narrative:
Lease via XXXX XXXX. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by XXXX XXXX credit report update issued on XXXX showing that account was paid in full and has a XXXX balance. Experian Credit Agency XXXX. 
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations. 
I have contacted XXXX XXXX only to be told that that is their policy and therefore could not be helped. 
I have disputed any claims of delinquency via Experian and XXXX XXXX credit reporting agencies.

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 2020-07-08 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: OH

Complaint narrative:
contacted the credit equifax XXXX and XXXX to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
contacted the credit XXXX XXXX and experian to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please

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 2020-07-08 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: IL

Complaint narrative:
I purchased a new vehicle from XXXX XXXX and the traded in my old car that I owned through XXXX XXXX. My Payment was due on XX/XX/XXXX and was the exact date that the Payoff Balance was supposedly entered XXXX XXXX system. XXXX XXXX sent me a payment statement via email as to say that the payment was received in a lock-box previously and entered on XX/XX/XXXX. My Issue is that with Everything is taking a very long time to process and most companies aren't even allowed to be open because of the Pandemic if they were not considered essential how was the payment processed in a timely fashion? So how was my payment considered late if it was mailed? Extra time should have been allowed because of the extenuating circumstances. I do not believe That I should be penalized with a 30 day late mark on my credit for something that I had no control over. The company stated that the payment was on the way so it was no need for m to make an additional payment. I however, should not be held responsible for when it was entered into the system, which was suspiciously exactly on the XXXX Day. I've had the vehicle for 3 years and I do not have any late payments except for the pay off balance which was paid by another company. This is ruining my credit with this 30 day late mark and I think that it is unjust and undeserved especially during this time that the world was practically shut down and I had been paying before being considered 30 days late. Can I please get some help with this? Thank You

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