vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: CA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-20 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:
I am writing because I recently viewed my credit report and noticed inaccurate information. XXXXXX/XX/XXXX is showing a late payment status over 120 days late. This information is in accurate. I have never been late with XXXXXX/XX/XXXXand This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with XXXX therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.

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 2021-01-20 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:
I am writing because I recently viewed my credit report and noticed inaccurate information. XXXXXX/XX/XXXX is showing a late payment status over 120 days late. This information is in accurate. I have never been late with XXXXXX/XX/XXXXand This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with XXXX therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.

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 2021-01-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Leased a XXXX Infiniti from XXXX XXXX XXXX XXXX XXXX, XXXX for 39 months ending XX/XX/XXXX. Never made a late payment ever. Lease ended in XX/XX/XXXX so I made several calls to Dealer and Nissan Finance concerning lease buyout. Dealer told me to contact bank, Nissan told me to contact Dealer. After several attempts in XXXX and XXXX I finally spoke with Nissan Finance on the phone. They asked if I want ed to extend lease thru XX/XX/XXXX and possibly get into a new car. I said I would like to keep car I have, this was around XXXX, Spokes lady told me to make an additional payment of {$690.00} and to go to dealership to have car appraised and inspected before I could buy car.????? Still not getting the right info, I drove car to XXXX XXXX XXXX in XX/XX/XXXX, and still was told I needed to go through bank. I then asked to speak to the finance Manager who was the only person with the right info. My wife and I paid the residual of the car in XXXX for $ XXXX. XX/XX/XXXX I received notice that my credit score dropped from XXXX to XXXX. I checked my credit report and noticed Nissan Finance had sent in negative information to the 3 Bureaus. Contacted Nissan and was told to send in a letter to Nissans Credit Management Dept. Received a letter on XXXX XX/XX/XXXX were Nissan refuses to remove false info from my report. At no time did I agree to or signed into another agreement to extend my lease or to refinance the XXXX XXXX, XXXX errored in reporting false information and refuses to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2020 : I filed a dispute with XX/XX/XXXXand XX/XX/XXXX about two American Express accounts appearing on my reports with large balances due which had been charged off ruining my credit rating. I can not rent or buy a home and face homelessness soon unable to move from a place which is price gouging due to the pandemic. The Amex accounts end in XXXX and XXXX. I reported the debt is not mine to the credit bureaus and requested to have the debt removed because all of the debt is my deceased husband 's XXXX treatment medical bills, work clothing, and business expenses. Other of my husband 's debts were also included on the credit report. Of those, only Amex has resumed predatory debt collection tactics calling everyday, mulitple times a day, leaving messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Data breach information was compromised. Don't recognize account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
After obtaining a copy of my credit report, and noticed that there was a collection account on there in reference to a Direct TV account with an address associated with : XXXX XXXX XXXX XXXX, MI XXXX I have never at any time in my life lived in XXXX. Pursuant of 15 USC 1681c ( h ), the company received a notice of discrepancy for this address, and still willfully reported false information that has never and can never be validated. 

I have reached out to the company about this error being reported to the credit bureaus but have been met with negative results. 

I am demanding removal of this inaccurate information, and compensation for the willful non-compliance and further violations of 15 USC 1681.

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 2021-01-20 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Data Breach information compromised. Don't recognize account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are currently two XXXX XXXX XXXXXXXX bank loans that are showing on my credit report. These two accounts are fraudulent, we're not open by me. I contacted XXXX XXXX  XXXX with hopes of getting them resolved, they however stated the accounts are " valid '' and did not delete them. XXXX XXXX  XXXX directed me further to contact Experian to resolve the issue. At first, a dispute to remove the accounts were filed through Experian 's on-line website, however their investigation alleged the banks were " valid '' and they did not remove them. Please note, that Experian is the only bureau that shows the accounts - XXXX  or XXXX  show the fraudulent accounts. 

The information below will provide further information on the accounts : XXXX XXXX XXXXXXXX Account : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Balance : {$270.00} XXXX XXXX  XXXX Account : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$4500.00} Balance : {$4100.00} These accounts are fraudulent, we're not open by me and need to be deleted ASAP. 

Also to note, Experian has my date of birth being XXXX, this date is also incorrect.

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 2021-01-20 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: HW Holding, Inc
State: TX

Complaint narrative:
Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX fl XXXX phone number XXXX XXXX XXXX XXXX I have never had an account with this person : a person by the name of XXXX XXXX made these charges against me. and then stole the money for herself. She was a manager with the company at the time and stole money from the company. Then placed me and other persons in default. A criminal case was made at the time. The information such as timeframes is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Consumer Finance, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I began doing business with United Consumer Finance, unfortunately during now and then the vehicle was in an accident and completely totaled out. I have tried to reach out to the company numerous times on my behalf, this company is claiming that I owe them XXXX. 

On XX/XX/XXXX I sent out A 1st Debt Validation Letter which was not responded to within the 30 days. 
On XX/XX/XXXX I sent out A 2nd Debt Validation Letter which was again also not responded to. 
On XX/XX/XXXX I sent out A 3rd Letter which stated that I will be seeking further legal action on this case to help me remove this off of my credit report and once again the company failed to respond back. 

Today is XX/XX/XXXX - I still have not heard back from this company that is saying I have a balanced owed of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through Synchrony. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or Synchrony until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called Synchrony and they told me to call XXXX. XXXX told me to check my credit report and call Synchrony. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On two occasions my ability to use Capital One Cabela 's Black Card was stopped for late payment. On the first occasion I received my bill on XX/XX/XXXX ; paid the bill in full on XX/XX/XXXX and mailed it the same day. The bill was due XX/XX/XXXX. My card was blocked access on XX/XX/XXXX. 

The second occasion my bill was due on XX/XX/XXXX. I was blocked from using the card due to late payment. I received the bill on XX/XX/XXXX. 

When I called Capital One I was told that there were problems with the United States Postal Service and there was nothing they could do to activate the account. However, I could make a direct payment from my bank. 

It took lots of convincing to have them remove late fees and interest charges but they did so. 

Capital One has a duty to insure the billing statement arrives by mail within a reasonable time to pay. Lack of their ability to fulfill this duty should not shift the burden upon the consumer. Charging fees and interest amounts to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp
State: NE

Complaint narrative:
I co-signed a loan and it was changed without my knowledge. Company should have made the decision to have another loan signed before approval of student loan. I disputed the debt collection and ZuntaFi conducted an investigation, still not resolved. I am worried that it will reflect in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY Reported : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
Applied : XX/XX/20 Rate Lock : XX/XX/20 Sent to Underwriting : XX/XX/20 Approved : XX/XX/20 Rescinded : XX/XX/20 I was completely upfront about the details of our situation. We paid cash for 2 homes and were looking for a cash-out refi. We were told that this would not be a problem by several employees. They told us they could close faster and were willing to match a competitors rate, so we chose them. 

After 60+ days and countless hours of work of going through the approval process, including a lock extension due to their delays, they decided to rescind the offer for the loan. I was originally told the offer was being rescinded because the loan would not qualify for XXXX or XXXX, however, when I presented evidence that the loan would still qualify as a conventional loan, they said they did not want to honor the contract because a delayed financing loan would be harder for them to sell. 

We had already been officially approved and were only days from closing. This had nothing to do with our credit, home appraisals, or financial situation. When I spoke with them, they said they were very sorry for the miscommunications, but were not willing to honor their offer. Unfortunately while waiting on them to change their mind, rates have gone up almost half a percent and I can not go back to the other lenders who were seeking to finance our homes. This has cost me tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
An unauthorized amount of money {$600.00} was withdrawn from my bank account. This resulted in an overdrawn account and fees for return of all my bills set up on automatic deduction. I contacted the company, was ensured I would have my money right away and never received it. The fees continue to be charged to my overdrawn account and has created a nightmare on top of leaving me no gas money to even go to work, no money for groceries and no money for food for my pets. I am extremely irate.

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 2021-01-20 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: I.C. System, Inc.
State: TX

Complaint narrative:
Data Breach information compromised. Don't recognize account

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