vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The debt has been sold to National Credit Adjusters, from XXXX XXXX. The alleged owed amount is {$810.00}. The debt fell off of my credit report due to the age of the debt. The debt is approximately 7 years old. The Texas statue of limitations for a debt is 4 years. I am past the limit. However, they are harassing me calling my job. Leaving voicemails. When I answer the worker hangs up in my face and gets very aggitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Yes so their has been 2 accounts on my credit score that have been showing up one is XXXX and the other is Credit Acceptance., these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PREMIER HOME MORTGAGE, INC.
State: TX

Complaint narrative:
Applied for a usda home loan and the loan officer never got back to me with an answer wether I was approved or denied. I made several attempts to reach out to the company and no one responded. Company ran my credit and obtain all my personal documentation and its been a month since I applied.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-30 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: IL

Complaint narrative:
Today XX/XX/XXXX, I received an email from Equifax stating that there was a change to one of my existing positive credit accounts. When I logged into the econsumer Equifax website there was an alert that stated that I initiated a dispute on my XXXX XXXX account, which is ABSOLUTELY false. XXXX XXXX just reported my closing balance of {$0.00} on XX/XX/XXXX because I pay off that account every month. This is not the first time that Equifax has initiated a false alarm dispute and removed a positive credit account from profile. They did this with my XXXX XXXX account in May as well, which is another account I pay off monthly. In that situation, XXXX XXXX informed me that after they reported my {$0.00} balance they received some type of internal dispute from Equifax and if my account was removed it was the credit bureau 's decision, because they did not request my account to be deleted. At that time Equifax simply mirrored XXXX in deleting my XXXX XXXX account for a false alarm internal dispute. I have the chronological reports showing from when XXXX deleted XXXX XXXX, followed months later by Equifax. The reports also show that it was approximately 5 months later before XXXX added my XXXX XXXX back to my credit profile, again followed by Equifax. I have seen no increase in any of my credit scores in approximately XXXX days, even with having collection accounts removed, inquiries removed, and still keeping my credit card utilization between XXXX % monthly. All my credit card accounts have reported a {$0.00} balance for the month of XXXX, the last being XX/XX/XXXX from XXXX XXXX. I have no dispute case number or anything, because I never initiated XXXX. This is merely another attempt at the credit bureaus throttling my credit score, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I got a new car loan with Santander Consumer USA in XXXX of XXXX, initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to Santander Consumer USA and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XXXX of XXXX a while after I got stationed in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted letters to all three credit bureaus, Transunion, XXXX, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with transunion with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain copy of my credit report and noticed inquires i did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Nelnet, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain copy of my credit report and noticed inquires i did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain copy of my credit report and noticed inquires i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Company yet AGAIN rebilled me for a transaction that I proved to be invalid!!! 
For this particular one, I emailed them proof on XX/XX/XXXX. They sent a letter out XX/XX/XXXX stating they found the charge to be valid, completely disregarding my supporting documentation showing that I was already charged for the same transaction by my other bank ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I suppose to still pending with a debt with XXXX XXXX XXXX and it was settle down a time ago, there is no way to erase it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MO

Complaint narrative:
I submitted letters to all three credit bureaus, XXXX, Equifax, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MO

Complaint narrative:
I submitted letters to all three credit bureaus, XXXX, XXXX, and Experian, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I got a new car loan with XXXX XXXX XXXX in XX/XX/XXXX,  initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to XXXX XXXX XXXX and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XX/XX/XXXX a while after I got XX/XX/XXXX in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: TN

Complaint narrative:
Checking my credit report I see Experian has lowered my credit score.  The last time I checked my score it was XXXX now it's dropped to XXXX. I pay my bills and I just wonder why this is happening. Experian is a XXXX  company and this can be proven 100 % In the report it says exceptional next to payments so why would my credit score drop so much? They just want to keep the XXXX Americans to have anything in this world. They want you pay them them {$14.00} to upgrade your account so I guess if you don't they lower your credit score, enabling you to not to able to live!!!!!!!!!!!!!!! Very XXXX company they are

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX with US Bank. I have returned the car almost 2 months back. Have not received the deposit / excess payment I have done of {$5500.00}. My account number is XXXX. My Name is XXXX 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 2020-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am looking for a loan for a new construction for my first time home buyer, I chose Huntington Bank ( XXXX XXXX ) as one of the preferred lender of XXXX XXXX ( XXXX XXXX ) information sent to me via email on XX/XX/20. The process started on XX/XX/20 with a lot found. At this time the pre approval number was XXXX was originated by lender ( XXXX XXXX at Huntington Bank ) amount {$200000.00}. Loan number XXXX. Unfortunately my house did not fit on this land and asked to lender increase the value of land from XXXX to XXXX. The answered was affirmative XX/XX/20. I received the new pre approval on XX/XX/20 and sent to bank the lot purchased XX/XX/20. We started over and found the right one XX/XX/20 put in contract and move forward with loan process with an expiration date XX/XX/20, after builder approval. Meantime in between these lots personal documents and communication were sent to the several people including in this process like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX and XXXX XXXX as a lead team and loan officer with a new loan number XXXX. All of them asking for the same information over and over again information that I submitted before. When first closing date, XXXX XXXX exposed that he was not ready to do the closing and I need to extended the purchased for lot, I did second extension on the land purchased final deadline it would be XX/XX/20 which mean next week. He had to created another number for my loan which is XXXX It took over 90 days to tell me that I did not qualify for the loan based on something that should have been discloses on day 03 of the application process. The bank lack of interested in my case and lack of empathy for my case was appalling. Huntington discriminated XXXX and minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I received an email from American Express offering a promotion. 

The promotion was that I could create a Plan whereby I could, for no fees or interest pay off charges of over {$100.00} over a nine-month period ( see attachment ). 

The " Plan '' could be set up online. This would apply to my American Express card XXXX XXXX XXXX. I had until XX/XX/2020 to do this. In fact I could set up 10 plans over this period of time if I so desired. 

On XX/XX/XXXX I set up a " Plan '' with two chargers for {$3100.00}. 

On XX/XX/XXXX, in order to take advantage of the XXXX benefit I purchased an air conditioner system for my home for a total price of {$5200.00} from XXXX XXXX XXXX XXXX. The next day I went online to enter this into a new Plan ''. I was unable to this because the purchase was classified as pending. I called customer service and after an hour on the phone I was told the only thing I could do was to call XXXX and ask them to release the charge. I did this and no one at XXXX knew what I was talking about. They told me that they submitted the charge and they were already paid for it from American Express ( see attachment ). 

Out of desperation I called the CEO of Amex hoping to be able to speak to someone in his office. The operator told me that the CEO doesnt speak to people and there was no one else who would talk to me. I was instructed to send an email which I did and which went unanswered. 

Later in the day I once again called customer service and after an hour speaking with several people I was once again told that I was out of luck. The system was completely automated and no one could override it. 

I now have to finance {$5200.00}. My choices are paying by installments at an APR of 15.24 % or creating a new Plan for a cost of {$420.00}. 

Amex lured me into this scam with an email. They are guilty of FRAUD. 

I believe that I should be able to create a new free Plan or receive a {$420.00} credit. 

American Express should be made to cease and desist this illegal scheme. 

I am asking for your help to rectify this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation