vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.

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 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 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: AL

Complaint narrative:
I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.

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 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I paid XXXX XXXX XXXX - XXXX - for medical services on XX/XX/2020 in their office by credit card in the amount of {$120.00}. A crooked collection company by the name of Transworld Systems inc. just sent me a demand for payment dated XX/XX/2020 for that bill which I already paid over three months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2020, I filed a complaint with CFPB against Synchrony bank for frauduently charging fees and my ~ {$750.00} balance on the card remained the same after 2+years. After filing complaint with CFPB, Synchrony bank adjusted the account and I paid off the remaing balance in XX/XX/2020 while the account was already closed. 

Well, Synchrony Bank will continue to commit FRAUD unless an enforcement agency penalize them. 

My account was paid in XXXX/XXXX XXXX off right after they adjusted the amount BUT, on XXXX, I received an email stating my statement balance {$39.00} and Minimum payment of {$39.00} due by XX/XX/2020. And then, On XXXX, I received another email stating that I missed a payment and asked to {$40.00}. 

HOW COULD I MISS A PAYMENT ON XXXX WHEN DUE DATE IS XX/XX/2020?

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 monetary relief
Consumer complaint received 2020-09-20 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: Nelnet, Inc.
State: TX

Complaint narrative:
Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted Nelnet and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested Nelnet for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, In XX/XX/XXXX,  Nelnet reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at Nelnet, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Auto Finance repossessed my vehicle but, did not give me the proper documentation even as of today from approximately two years ago. 

Under the laws of North Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I did NOT receive proof that the repossession transaction of my vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELESS OF NOTIFICATION BEFORE DISPOSITION OF COLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Capital One Auto Finance was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle that I never received. 

Per North Carolina Law I requested proof that is required to be given with 15 days and it's going on 60 days and I still have not received the requested items. Capital one has been in receipt of my certified mail notices and has been in violation therefore, the alleged claim of a deficiency should be considered null and void, and any continued collection activities or continued reporting to the credit bureaus of this invalid claim on my credit reports is a violation of the FDCPA, FCRA and 16 CFR Part 660. 

Capital One was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle and this has NOT been done. I have not received notification before the Disposition of Collateral as required by North Carolina UCC 9.611. Furthermore, evidence that all applicable notices were not provided to me as well. These mandatory notices may not be waived prior to default in accordance with North Carolina UCC 9.624 Therefore, Im requesting for their item be removed from my credit report and the debt to be considered null and voice per NC State law previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a Citibank double cash credit card account about two years  ago. I called Citibank and was told my promotional 18 month 0 % APR on my balance and balance transfer was expiring. 

I asked if I were to close that account and reopen a new double cash credit card would I receive the same offer. I was lied to and told that I would. It didnt become apparent to me until this month that Ive been charged interest. This is something the representative very specifically said would not happen. 

I was lied to. I dont appreciate it. The best the representative said she could do for me is a one time courtesy credit, I accepted that as a good faith measure but I feel that Citibank can and should do more.

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 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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:
Experian has let an aged bogus medical collection stay on my report as a new collection account and isnt even listing it as Medical.

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 2020-09-20 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: TX

Complaint narrative:
Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.

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 2020-09-20 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: TX

Complaint narrative:
Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: TX

Complaint narrative:
Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.

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 2020-09-20 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: AL

Complaint narrative:
I pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.

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 2020-09-20 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: MI

Complaint narrative:
There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.

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 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I pulled my credit report and I saw several accounts I did not recognize, I have tried to fix this but know one has fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: MI

Complaint narrative:
There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: MI

Complaint narrative:
There are numerous errors on my credit reports. Accounts Reporting false information, other peoples information, etc. attempts to file disputes failing. XXXX  reporting false information on reports. Everywhere I turn to for help just tells me to contact someone else.

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 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have recently pulled my credit report and found accounts that I didnt recognize

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 2020-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have tried to make goodwill attempts to resolve account issues and I have been told false information regarding account. I was initially refused my right to change due date on account when it was current due to a job change in 2019. Which has had me in a bad position when I make payment another payment is already due. I have been making payments consistently above minimum trying to play catch up for past 4 months just to find out every payment has went to all to interest 100 % ... I have spoke with numerous departments with no resolve. I have been impacted by Covid situation and have been constantly threatened of repo even after payment made. I was told to call again when I made review on company but nothing came of it. I was told again that they hands are tied. I am aware that the vehicle I have Im paying almost double wat the worth of vehicle XXXX XXXX price and Even though Im making above minimum payments and consistently Im still upside down and company is reporting negatively on my credit report even though Im making above payments.

Company response to consumer: Closed with explanation