vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Hello, I have disputed the Collection Account with XXXX XXXX with all the 3 Bureaus ( XXXX, XXXX and XXXX ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company. 

The debt XXXX XXXX is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. XXXX XXXX  re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX and XXXX 5 times without any resolution. This is illegal to re-aged a date. 

I feel hopeless. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I filled out a credit application for a vehicle. Based on the negative equity and credit, the dealer said I needed a strong co-signer. My fianc who had a 730+ plus score co-signed the loan. The dealer came back with 11.5 percent with my fiance as the primary. I believe there was predatory lending going on. Looking at my paperwork, I dont understand how someone with excellent credit could end up with 11.5 % apr. 
the Dealership is XXXX XXXX XXXX of XXXX North Carolina. XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Enhanced recovery company keeps reporting a fraudulent collection to the credit bureaus for a collection at att mobility. I've been a customer with XXXX  over 5 years and they have already proven to the credit bureaus that my accounts have always been in good standing never late or missed payments. XXXX and XXXX have both deleted the collection and confirmed with XXXX that it was fraud. Enhanced recovery company continues to place this item on my reports and attempts to make me pay a fraudulent charge. XXXX deleted the collection the same day it was placed on XX/XX/2020. The company placed it on my report for XXXX  again on XX/XX/2020 and XXXX  confirmed fraud and deleted it the same day on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
Hello, I have disputed the Collection Account with Speedy Cash with all the 3 Bureaus ( XXXX, XXXX  and XXXX  ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company. 

The debt speedy cash is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. Speedy Cash re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX  and XXXX 5 times without any resolution. This is illegal to re-aged a date. 

I feel hopeless. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: RI

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. It was affected by natural disaster. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
I am submitting a second complaint on an existing issue - to have my escrow account balance refunded to me. In its response to my first complaint, the company said it would refund this balance within ten business days. It has now been over ten business days, and my escrow account balance has still not been refunded to me. I would also note that I attempted to resolve this with the company 's designated compliance contact, and am submitting a second complaint because they are not being responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Armada Corp.
State: WA

Complaint narrative:
I called off a mark on my credit report. The recording said it was a collection agency and that calls are recorded. When the collector XXXX got on the phone she asked a couple verification questions and told me calls are recorded and it is an attempt to collect a debt. Not one time was I given the full XXXX XXXX This is an attempt to collect a debt any information obtained will be used solely for that purpose. I advised the collector XXXX that she had broke FDCPA by not giving me the entire XXXX XXXX she said she did. I disagreed with her and hung up. I then waited a couple of hours and called to talk to a manager that told me because I knew I was calling a collection agency she didn't have to give the full XXXX  XXXX  I advised on first contact you have to or in violation. She said they mailed a letter and that was first contract. I told her I had never spoken with anyone prior to today and never received a letter she claims it is not first contact. Obviously I disagree

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX i sent dispute letters out, no response, then XXXX i sent out a comply and demand letter still wit no repsonse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX i sent dispute letters out, no response, then XXXX i sent out a comply and demand letter still wit no repsonse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: FL

Complaint narrative:
I have contacted Trans Union on XX/XX/XXXX about an inaccuracy on my credit report with my student loans. I told them that i am trying to get a mortgage and the i need to dispute four late payments that were deferred at the time. They told me they would dispute it and i asked if i could send the documents that i have to support my claim they told me i would have to go to the website on there page under disputes to upload my documents and put the dispute in myself. I tried to get on my account but could not i called back they told me i would have to call a different number i did that number told me to call another number i did to no avail i could not get anyone to help me. Then on XX/XX/XXXX i finally got into my account and filed a dispute and uploaded my documents. I called on XX/XX/XXXX at XXXX XXXX   and i was told they could not help me and hung up on me. Called back to speak to a supervisor the supervisor XXXX told me he would put the dispute threw for me. I asked if the dispute from the XXXX went threw and he tells me no. He tells me he put the dispute in form me.But know i can not get on my account again to check it and every time i call trans union they will not help me or answer any questions about my dispute. I need to get this correction and i can not seem to get any help with disputing this inaccuracy. I need help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE
State: CT

Complaint narrative:
The mortgage company was actively taking monthly payments from my account. The mortgage company had an error with their system and stated I was past due on my account. Below is a copy of the payment date and confirmation for the month of XXXX. In which they are reporting was 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
onXXXXXXXX  i sent dispute letters out, no response, then onXXXXXXXX  i sent out a comply and demand letter still wit no repsonse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying to see why I have so many late payments reporting. I have been current for as long as I can remember and after pulling my report to purchase a home they informed me I have late payments reporting with capital one. I have tried multiple times to write into the company with no response. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: TX

Complaint narrative:
I just checked my account at Fidelity Visa last 4 numbers XXXX It said that my account had been referred to collections. 
Been a customer for a few years and now with this COVID-19 virus causing so many problems I can't keep up. 
I contacted them several time asking that they help me in some way but being Elan of course they don't do anything to help a customer. The customer is scum at this company and gets no breaks even after paying them for years. 

I was trying to inform them that my social security did not come this month due to a change in bank accounts and of course they don't care anyway. 
Social Security apparently take at least 3 months to do anything. 
Additionally their payment requested was close to {$1000.00} which i couldn't possibly pay anyway. 

The vultures are going to force me into a situation that I can do nothing about. 

Things are starting to recover a bit but they don't care and i can't do anything but wait. I'm not going to go without food to pay thesse leaches that I have tried to work with over and over. 

Its funny how other financial institutions tey to help but these " people '' do not. 
They don't care. They are going to try and ruin me. 
I have tried to be reasonable but they are not listening. I guess they are too far above me. 
Being the XXXX that I am I will just have to battle with the uncaring vicious XXXX  XXXX XXXX controlled XXXX. 

I WANT TO CLOSE THE ACCOUNT AND PAY AS FAST ASS I CAN. 

THAT APPARENTLY IS NOT GOOD ENOUGH Doing all I know to do.

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 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reported XXXX fraudulent charges on my credit card to the card issuer on the same day the charges appeared on my account. The issuer closed my card and sent me a replacement card. However, issuer refused to remove the XXXX fraudulent charges from my account. Instead, they kept playing games with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, I disputed the incorrect balance amount with Experian in within XXXX minutes later, I received a response that the amount was correct when its not. How can you dispute something so quickly in XXXX minutes when the debt collector office closes at XXXX. 

I am concern with Experian dispute process because it seem like they do not call or further investigate the company and send automated updates. 


Attached is the correct amount owed which is {$920.00}, as opposed to {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
The account was paid and no late payments would be reported on my credit per agreement by Synchrony and myself. 

However, the company still has reported all Accounts under My name with Synchrony to be displayed as late on my credit 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 monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Good evening, I hope you can assist me with an unfair practice by Comenity Capital Bank. 


The XXXX XXXX credit card account was opened with a promotional deal of no interest for six months in XX/XX/XXXX if paid in full. In XX/XX/XXXX, I stopped the automatic payments as I made the final payment for one other purchase made in XXXX. I received a message that my bill was due. I was surprised and reviewed my XXXX statement ; the interest of {$750.00} was added. 
How could this be? The promotional offer on the initial purchase of {$15000.00}, I called and spoke with customer service on XX/XX/XXXX. I was not pleased with the representative 's explanation. I next talked to XXXX # XXXX, who said I should have been reading page 1 of the monthly statement. I do not understand how a promotional offer would be changed. I asked if there was anything that could be done ; XXXX said it the interest could not be waived. It is unfair at the end of this period to then charge me the interest as though I haven't paid my bill. 

This evening XX/XX/XXXX -- I did call back the customer service and spoke with XXXX # XXXX to inform the bank that I will be disputing the interest charges. 

My contact information : XXXX XXXX XXXX cell phone XXXX email My wife is XXXX XXXX her cell phone number is XXXX and her email is XXXX. 

Thank you in advance for your support.

Company response to consumer: Closed with explanation