vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
In XXXX of XXXX, our car that we had financed through Credit Acceptance Corporation was involuntarily repossessed because of a bank error causing our payment to be one day late. They placed the car in a claiming lot that would charge us {$500.00} to get it out, after the payment was made. We could not afford to do that so we let the car go. A few months later we did receive an official letter from CAC stating the car had been auctioned and that we owed {$8700.00}. We contacted the number on the paper. We do not have the paper still and made arrangements to begin paying the debt in the amount of {$100.00} a month. We continued paying through XXXX of XXXX, when we became aware that CAC was not reporting the payments to the credit bureaus. We had never been able to obtain a letter stating how much remained of our debt even though we requested it at each payment over the phone. My husband made several attempts to speak to a CAC representative about our account but no one could provide us with any information. He was finally able to connect with a manager in the collections department who found out our account had been closed at some point without our being notified. When we asked what had been happened to our payments she had to investigate. It took over a week and she informed my husband when he called that the money was sitting technically in this closed account in limbo. The remaining balance of {$7600.00} never fluctuated after our first year of payments began. The money sitting in limbo was never applied. She ( the manager ) told us another account had been opened for us but was being closed due to inactivity. We had never been informed about the account. This manager also told us that we would likely see a check with that money being returned within 6 months. We never received the money. She stated to my husband that she could not send him anything in writing as she was not allowed. The account showed as closed soon after XX/XX/XXXX and we had no activity on it until XX/XX/XXXX, when CAC suddenly posted on our credit report that we had missed a payment that month. We are not disputing that money was owed. We are disputing that the account was suddenly opened to report a late payment in XXXX and that the money we had been paying, which we had never been able to find out how much that was, was never applied to the account or returned to us.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Preferred Credit card XXXXmiles. Product was advertised : make XXXX in purchases and receive XXXX points. I spent more then XXXX. My credit card was immediately closed by the bank for the reason of a rapid increase in a revolving line. That made a statement of spending XXXX a false advertisement!!! 2nd reason was not enough information on a credit report. I have 8 years of excellent credit. So obviously it was used as an excuse. Prior to 8y ago I moved to the US from overseas. I'm U.S citizen and I see both reasons as a complete non-sense

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I recently obtained a copy of my credit report on XX/XX/2020 from and the collection agency by the name of Diversified Consultnts reported that I owe {$1400.00}. I have asked on numerous occasions to the collection agency to provide me with something with my bearing signature and I have yet to receive it, the only proof they have provided me is a itemized printout and a billing statement. The itemized printout does not represent verification. Also the name of the statement is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: NC

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF 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 2020-02-20 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: NC

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: FL

Complaint narrative:
XX/XX/XXXX my credit score was XXXX, this is a testimony that I am a very repsonsible person. My student loan was on a deferment plan with Nelnet ( Student loan servicer ) from XX/XX/XXXX. The deferment plan postpone repayment of my stduent loan for a designated period. Nelnet would send an email reminder to renew the deferment plan. However during Summer of XX/XX/XXXX I lost my cell phone, and with the new cell phone I was unable to retrieve any forms of email. In XXXX I noticed my credit score dropped from XXXX down to XXXX, I've lost 147 points. After doing a couple of research, Nelnet told me they reported me " delinquent '' for not making payments to my student loan. I told the representative I did not have a payment plan only a deferment plan, and why is that I have to loose 147 points?? Nelnet told me they sent reminders, unfortnately I did not recieve them. XXXX tech support advised me of some issues and some of my mails went straight to my junk file. 
Moving forward, In XX/XX/XXXX I setup a payment plan for auto payment from my checking account. 
All I am requesting for Nelnet to do is to reduce the points lost from my credit score instead of 147 points. This does not make sense, were XXXX  students trying to make it in the workforce. As a XXXX, were not running from our responsibilities, deferment on loans gives us some wiggle room to get our lives together. And a bad credit score will never help us .My creditscore of XXXX is a testimony that I make my credit card payments on time. This lost has caused my credit card limit to drop severly. I have XXXX children and I can not support them on bad credit, I've worked VERY hard to maintain a high credit score.

Please, I need any assistence in gaining back some of my credit score points. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XXXX of 2019 my identity was stolen and used to open three accounts at a Conn 's HomePlus in XXXX XXXX, TX. These accounts were opened on three consecutive business days : XX/XX/2019 in the amount of {$3300.00}, XX/XX/2019 in the amount of {$5100.00}, XX/XX/2019 in the amount of {$10000.00}. 

I became aware of the fraud and reported it to Conn 's on XX/XX/2019 after receiving payment books. That same night I reported the fraud to the major credit reporting bureaus and put a freeze on my credit. I also filed an Identity Theft Report with the FTC and the next day I went to my local police department in an attempt to file a police report. 

Conn 's Fraud Department sent an Identity Theft Victim 's Complaint and Affidavit which I filled out and had notarized before I returned it along with copies of my state ID, Social Security Card and the FTC Report. 

Conn 's Fraud Department acknowledged in an email that my identity had been stolen, but insisted they would not investigate because my local police department did not let me file a police report. I was able to secure an " Event Report '' from the police, but was told by the Conn 's Fraud Investigator that it was not sufficient. 

The three credit bureaus have since concluded their own investigations and all three agree the accounts are fraudulent. All three removed the Conn 's accounts from my credit report. I informed Conn 's of this, but I'm still receiving bills from them in an attempt to collect money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an updated copy of my Equifax credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to Comenity Bank to advising them of the error. When I looked at the results the XXXX stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did XXXX  verify something that Comenity had already agreed to correct after the XX/XX/XXXX letter. 

I called Comenity Bank on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. 

XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. 

I feel like I am being jerked around and rights are being violated by Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/19, Collection was place on my trade line.. I called lender to inform them that I did not apply or in this apartment m.. I ask collection to provide me a written contract pretending to this debt.. There was no contract on file.. I informed collections that my identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
I had a collection placed on two of my credit reports from XXXX XXXX XXXX for an amount that was paid. I submitted receipts and the collection was removed. XXXX XXXX XXXX has recently placed the same amount that was paid with a different collection agency and has placed it on all three of my credit reports. This is extremely frustrating, and I am requesting action be taken immediately to remove the collection from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-20 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: VA

Complaint narrative:
On XX/XX/XXXX, I received an updated copy of my Equifax credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to XXXX XXXX  to advising them of the error. When I looked at the results the Equifax stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did Equifax verify something that XXXX had already agreed to correct after the XX/XX/XXXX letter. 

I called XXXX XXXX  on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. 

XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. 

I feel like I am being jerked around and rights are being violated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-20 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
Card limit went from {$7000.00} to {$4000.00}. This caused my credit utilization to drastically increase! Citibank says it was from change in debts and credit score. There has been a decrease in debts and increase in credit score. I called Citibank and got no where with fixing the  issue. I was forced to pay my balance in full to avoid any negative impact to my credit. 
The only explanation is Citibank used a false explanation to decrease my credit limit to purposefully attempt to get extra money from a customer via causing fees, higher interest rates and fees, and over limit fees. Thankfully, I was able to pay in full, others likely cant.

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 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
2017 they stole {$6000.00} out of my account Chase bank took {$6000.00} out of my account when I was making cash deposits and I have all the emails to show you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a credit rating dispute with Experian, XXXX XXXX and XXXX   concerning the derogatory rating I received from XXXX XXXX XXXX  ( XXXX  ). On XX/XX/XXXX, I appeared in the Superior Court of California XXXX County of XXXX Small Claims Court as the defendant in the case of XXXX XXXX XXXX XXXX XXXX. DBA XXXX XXXX XXXX , case number XXXX, because The XXXX XXXX failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XXXX, XXXX. The contract for the remodel was financed through XXXX. In XX/XX/XXXX, I notified XXXX that I would no longer make payments on the loan until the work was completed as agreed and provided them with a XXXX XXXX Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to XXXX. While in dispute, XXXX charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to XXXX, as well as disputed the rating with the three credit bureaus, XXXX XXXX, Experian and XXXX. XXXX has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from XXXX XXXX XXXX Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.

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 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
In XXXX I went to XXXX XXXX XXXX  to get XXXX  in my finger. Weeks later I received a bill for over {$1100.00} that I paid in full. In XXXX over 13 months later I received a bill from XXXX XXXX for {$5200.00}. I asked for an itemized statement on what the bill was for since I had not been back to the hospital, and never received any list of charges or reason for the bill. I have been in collection from an agency called Grant and Webber for a claimed debt from XXXX XXXX ever since. I believe this is incorrect information.

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 2020-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
On XXXX XX/XX/2020, I made a transaction of amount XXXX on XXXX  to XXXX XXXX. The amount was debited from my account but didn't received by the receiver. It's already been more then a month but no update is given to me regarding my money from XXXX  company. I have tried to contact XXXX  customer service multiple times but Everytime they say that the problem would be solved within next 3 Working days. But today it's XX/XX/2020, but still I haven't given any updates, not even my account is credited by XXXX rupees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ive disputed info that BoFA is reporting to the credit bureau. In 2018 I settled an account for payment in full and agreed to make monthly payments. BoFA has recently began reporting that Im making late payments. NONE of the payments have ever been late! Every single payment has been on time. They have caused my credit to be lowered and Ive experienced an adverse credit decision because of their negligence. If this is not resolved my next recourse is the XXXX XXXX XXXX or small claims 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