vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 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: NC

Complaint narrative:
I have 2 accounts reporting on my credit report that dont belong to me. I have no knowledge of these accounts and would like them deleted from my report. I filed a identity theft report with the federal trade commission

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 2020-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: OR

Complaint narrative:
On XX/XX/2020, I emailed the following to Ad Astra : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me? 
Thank you, XXXX XXXX '' To date I have received no reply to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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:
Experian has been reporting an account from XXXX XXXX XXXX on my credit report as in collection on XX/XX/2017which never happened as i always paid the account on time & upon my repeat disputes, experian has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by experian & must be corrected immediately.

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 2020-04-12 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: IL

Complaint narrative:
On XX/XX/XXXX I applied for an offer that included a {$100.00} credit after my 1st purchase and I never received the credit. I contacted the company in beginning of XX/XX/XXXX, provided a screen shot of the offer and I was told that they would investigate and get back to me, its now XX/XX/XXXX and I have still not heard back from AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
On XX/XX/2020, I emailed the following to XXXX  XXXX : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me? 
Thank you, XXXX XXXX '' To date I have received no reply to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I requested copies of my credit reports from the credit bureaus and after receiving the reports I noticed that a company named SCA Collections , Inc. hereinafter referred to as SCA had reported an adverse collection account to XXXX, XXXX, XXXX credit bureaus claiming that I owed SCA {$240.00} dollars. 

I was never notified by SCA beforehand, nor contacted in any way whatsoever, before this derogatory collection account was placed on my credit report.If, I am not mistaken this account should have been verified, and it was not, which is a clear violation of the FCRA and the FDCPA. As a result, on XX/XX/2020 I submitted a dispute letter to SCA via USPS Certified Mail whereas I disputed their assertion. In that letter I requested certain documents from SCA because I want to try to understand how I came to owe them what they have alleged I owe on my credit reports. I believe I was very specific with what documents I requested from SCA. 

However, I received a letter from SCA, which was not within the time frame alotted by law, and the document that they sent was a copy of a bill that was altered. On that bill it appears to me that SCA attempted to re-age this account by changing the statement date to XX/XX/2020 as though this account was an active account. This again demonstrates to me that this is another blatant violation of the FCRA and the FDCPA, respectively. I will submit copies of all the letters herein for your review and consideration.

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 2020-04-12 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: Lending Club Corp
State: NJ

Complaint narrative:
XXXX has been reporting an account from lending club corp on my credit report as in collection on XX/XX/2017 which never happened as i always paid the account on time & upon my repeat disputes, XXXX has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by XXXX & must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX CNAC XXXX ran my credit without my permission. I had a vehicle with them and they would not honor their warranty after several request. I decided to get another vehicle and return their vehicle to them. So I picked up my new vehicle on XX/XX/XXXX and they picked the vehicle up on either XX/XX/XXXX or XX/XX/XXXX. Then XXXX XXXX ran my credit to see if I purchased another vehicle. I know that was her purpose as I am a former employee of the company and she would run a customers credit anytime they return their vehicle. When asked if it was legal she said no but these people don't know any better. I emailed and asked why and for her to fix it. She replied her goal is to help with my credit but did not say that she would fix it nor did she apologize. I don't know how they are helping with credit if she runs a persons credit when ever she feels like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank auto loan seized all money in my bank account in 2016 after agreeing to accept payments, then still seized the car, claimed charge off and collections on my credit report. Now they are listing charge offs monthly and repossession two months in a row because I disputed their information. They are intentionally negatively impacting my credit report. This account should have been closed and settled in 2016 when they took the car, my bank account funds and payment, but they renew negative information on credit report monthly. I am an XXXX XXXX  senior citizen, and feel targeted, harassed and discriminated against by Wells Fargo Auto Loan co.

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 2020-04-12 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: GA

Complaint narrative:
To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: GA

Complaint narrative:
To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX  XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer 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 2020-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi cfpb, please send the following to NEIMAN MARCUS CARD  and capital one. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX Opened Kohl 's card at store to receive advertised discount on purchase. Paid in full by due date on XX/XX/XXXX ( Sunday ). They posted the payment on XX/XX/XXXX Kohl 's charged late fee without notification. On XX/XX/XXXX I received a recorded message on my cell phone " Call Kohl 's at XXXX ''. I called right then and spoke to a representative that claimed I made a late payment and a late fee was due. He looked at my account and determined I paid my payment on XX/XX/XXXX ( Sunday ) an hour after their " due time '' therefore they applied it to the day after. I was NOT made aware of a due time, only due date when I opened this card. I looked through the bill and it does not stipulate a time of day the payment is due on the due date. Per the Credit Card Accountability Responsibility And Disclosure Act of 2009, Sec.202 Requirements Relating to Late Payment Deadlines & Penalties Section 127 ( b ) 12 ( A ) Kohl 's does not adhere to the Late Payment Deadline Required To Be Disclosed section on their account statements. 

The representative reversed the late fees/interest on XXXX, XXXX A few weeks later I went to refinance my home and my mortgage representative said Kohl 's reported me 30 days late in XX/XX/XXXX due to the late fees they added to my account. I tried numerous times to speak to a Kohl 's representative to have this error fixed, they have refused to assist me in getting this resolved. Kohl 's reversed the fee/interest, but refuses to accurately report the correction to the three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MI

Complaint narrative:
I am being sued by XXXX XXXX XXXX. 
I have called them many times since XX/XX/2020 to reach a payment agreement. They are suing for an amount that I don't remember owing. I am trying to come to an agreement for a smaller amount, but they refuse each time and say that they will see me in court to get paid. 
They also violated The Fair Debt Collection Act MCL 600.2145 They never notified me about the debt, not even once per mail or phone call. 
They just serve me the summons for a law suit against me and also fail to show proof of such a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Because of the coronavirus crisis I can't work and asked Mr.Cooper to postpone my mortgage payments for 6 months. I thought that the {$2.00} trillions stimulus package will allow me and any other homeowner hurt by the health crisis to postpone payment. But Mr. Cooper has different opinion. Thanks for such a heip. Nobody needs that. ( See documents attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted Transunion with a dispute on my credit report on XX/XX/20. They sent me an email that said the dispute had been resolved and I could see the results from their website. I am unable to log in to their website, have emailed them ( because of covid19 they are unable to answer emails ) have called and waited 2 hours for a rep to answer. The reps are from foreign companies and have very obvious accents that are hard to understand, they respond that because of the virus they do not have enough staff, they are unable to see the results of my first dispute because it has been deleted. I filed a second dispute because the same creditor was on my report 2 Times and still shows up. I have requested written copies of the results of both disputes. It should not be that hard to contact Transunion and get your results even if there is a pandemic going on.

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 2020-04-12 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: Vehicle Solutions Corp
State: NV

Complaint narrative:
I took out a car loan back in XX/XX/XXXX. I called the loan place towards the ending of XX/XX/XXXX letting them know I would no longer able to make payments due to me losing my job an they needed to come pick up the car. I moved away in XX/XX/XXXX to XXXX XXXX NV. They took a whole six months to come pick up the car because I had to call them back again in XXXX of XXXX to asked them why havent picked up the car yet so like a week later they came an got it. While me living in XXXX XXXX for the year of XXXX they had my account active and open charging me late payments for the whole year of XXXX as if I still had the car in my possession. I disputed it with XXXX credit union an they closed the account but still charging me those late payments with The same amount loan but the car has been resold for less the amount they are charging me. Also I wrote them a letter stating the same issues asking why are they still charging me an I give them 30days to respond if not this was my official request to have the loan deleted off my credit report. I sent the letter off as certified mail an it was delivered to them XX/XX/XXXX way before the whole Covid 19 took place. Also it has passed the 30 days since they received it an have not responded to my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: MO

Complaint narrative:
My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX  XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX   XXXX XXXX {$21000.00} 9 ) XXXX Formerly 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 2020-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Absolute Home Mortgage Corporation
State: WA

Complaint narrative:
Hello, I purchased my first home using the VA home Loan in XXXX XXXX, Florida on XX/XX/XXXX for {$190000.00} dollars. 

I discovered in late XX/XX/XXXX the seller, XXXX XXXX the realtor, XXXX XXXX  with XXXX XXXX XXXX, XXXX Florida ( when I bought my home she was using the business name XXXX XXXX ) the listing agent, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida and the mortgage broker, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida ( was with Absolute Home Mortgage XXXX XXXX, Florida at time of purchase ) used a fraudulent home inspection document to push the home sale through using a fraudulent home inspection report and fraudulent inspection company. 

I also have reason to believe there was not an authorized or legitimate VA home inspector that was used for the home and the document used was also falsified by the realtor and the mortgage broker. 

In late XX/XX/XXXX I discovered massive structural damage to all the exterior walls and the master bathroom. These serious issues wouldve been caught with the house if a legitimate home inspection report had been used. 

By the end of XX/XX/XXXX my home was declared by a local engineer as structurally dangerous. The XXXX County building department very soon after receiving the XXXX report, declared the home condemned until further notice and ordered me to leave the premises within 24 hours. 

My house is now considered unlivable and is a structural danger only 3 years after the purchase of this home using the VA Home loan. This event has caused an unbelievable financial hardship and unimaginable emotional distress since the discovery of this fraudulent and misleading transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief