vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: CA

Complaint narrative:
Upon being XXXX and ordered to shelter in place due to the XXXX  XXXX, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon being XXXX and ordered to shelter in place due to the coronavirus pandemic, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon being XXXX and ordered to shelter in place due to the coronavirus pandemic, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.

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 2020-11-11 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: TX

Complaint narrative:
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$2300.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$650.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$650.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute CONSUMER ADJUSTMENT CO XXXX potentially negative icon Potentially Negative StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$270.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$110.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$410.00} Terms NA On Record UntilXXXX 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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Good Day, Collection Agency : IDEAL COLLECTION SERVICES Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/2020 Original Amount Owed {$3300.00} Amount {$3300.00} Status Date XX/XX/2020 Status UNPAID I have a problem with the company described below, I lived in apartment XXXX XXXX XXXX CT XXXX XXXX, and due to COVID19 reasons, I had to leave on XX/XX/XXXX, I made the delivery of the apartment in good condition, and the administrator of the condominium, he told me there was no problem, that if something happened they would let me know by mail and took my new address. 

months later I received a message from equifax indicating that I had a negative report ( high impact ), I checked the data and they sent a letter to the address where I lived before XXXX XXXX XXXX CT XXXX XXXX, on XX/XX/XXXX ( in that date I was not living there ), and for that reason they reported me. 

I never received a call, an email, a text message, or an email. They never contacted me. 

Today I contact the company IDEAL COLLECTION SERVICES, they are very rude and they did not answer my calls again, I check their history of qualifications online, and they have 1.7, there they indicate that they are a terrible company. 

I am afraid of a theft, or permanent damage to my credit. 

I need your help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: FL

Complaint narrative:
I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : XXXX then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX Equifax showing the delinquency in XXXX ( also from XXXX ). NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: FL

Complaint narrative:
I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : XXXX then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error XXXX in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX XXXX  showing the delinquency in XXXX ( also from XXXX XXXX. NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.

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 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This company was told that I am presently unemployed and unable to, but wanting to when I can, pay debt owed, which actually is pretty low overall. But they robocall me from XXXX to XXXX every single day of the week 5-12 times per day, despite having told them to stop calling me after it was in excess like that. Sometimes they've even been known to call 2-4 times in a row, from 1~4 different numbers. That's the other factor is they call from hundreds of different phone numbers as well, so blocking them on my end requires a lot of effort to stop their abusive harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted Santander and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later.

When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted Santander and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of Santander ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps Santander correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : Santander then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX XXXX showing the delinquency in XXXX ( also from XXXX XXXX. NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Failed to complete employment verification in almost three months since I started loan application process. For two months we went back and forth about verifying and even though I told them several times they were contacting the wrong employer for verification they continued to make the mistake. I withdrew my application from the sheer amount of stress it was to deal with this company. They acted like my job and income was fake, not satisfied with loads of documents I sent them. Every time I talk to one person they want me to contact different department. Total lack of communication on their end. I am still struggling to get my good faith deposit returned to me. NOTHING ''quick '' about this quicken loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MD

Complaint narrative:
I hope this will go to a human being and not to a computer. The XXXX  XXXX XXXX account on my credit report shows a lot of inaccuracies and the most obvious is the payment history. XXXX  shows that I am on time with no missed payments while XXXX  shows that I am late with a lot of missed payments for the same account during the same time frame. Don't you see that it doesn't make any sense and it is inaccurate? Those information of 2 credit bureaus from the same data furnisher XXXX XXXX  XXXX XXXX XXXX are contradicting each other. The information on someone credit report has to be 100 percent accurate, which is not the case here. The Federal Credit Report Act prohibits you the credit bureaus to keep inaccurate information on someone credit report. You are violating a Federal Law by keeping inaccurate information on my credit report. I have sent multiple letters to Experian about this issue but nothing has been done, it goes to a computer instead. The last letter that I have sent to Experian about this issue was on XX/XX/2020 and Experian signed the postal receipt on XXXX XXXX. It has now been 82 days since Experian received my complaint and the inaccurate information it is still on my credit report. At this point, I am gathering proofs that I will use against you in court including all communication that I have exchanged with you on this matter. I am in the process of buying an house and you are blocking me. Having the CFPB involved is another proof that I will use to show that you voluntarily kept incorrect and inaccurate information on my credit report besides my multiple attempts to have that inaccurate account removed from my credit report. I will also seek damages for the consequences of your inaction which actually prohibits me from buying an house. I am right now filling out the form to sue you in federal court under the FCRA which will award me damages including mental anguish damages, damages for economic loss because of your false reporting I got turn down for an house, punitive damages, my attorney fees the list goes on and 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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I receive multiple phone calls every day, even weekends from a recorded message from credit acceptance corporation. I have no debt with them and my credit score is high. I have learned not to try and talk to debt collectors and wait until they mail something so I can dispute it. 

It seems from my research that this company does car loans but mine is paid off. Every call leaves the same recorded message. I estimate 3 to 4 calls a day from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.creditacceptance.com

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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I have contacted the company. XXXX and spoke to them. This is over equipment charges. I have cleared this off 2 of the 3 bureaus, but IC collections keeps putting it back on my report when I get it off. This debt didn't start in XX/XX/2020, that just when it was readded to my report. I do not owe XXXX and I do not owe IC Systems. I have no collections on any of my reports but this one. And I have disputed this many times and XXXX  keeps allowing them to re add it to my report. Just disputed it and XXXX  sided with IC Systems. I have had this removed many times off my report and XXXX  keeps letting them re add it. I do not owe XXXX it has been cleared up long time ago and this collection company needs to leave me alone about it and stop messing my credit score up.

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 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX XXXX called me on XX/XX/XXXX stating I owed old navy from XXXX and they were taking action to suing me for over {$3000.00}. The woman XXXX XXXX said I can either make a one time payment of {$860.00} or make monthly payments of {$100.00}. I was so afraid I agreed to monthly payments of {$100.00}. I gave a partial payment of {$75.00} and am required to make another payment of {$25.00} Friday XX/XX/XXXX. She took down my card information and said payments will be automatically taken from my card the XXXX of every month and if I was to default on the payments I will be served and taken to court to pay the {$3000.00}. When I got home I spoke with a family member who said it could be a scam. She looked up the address for XXXX XXXX  XXXX and it is actually a XXXX store in California. The number is a 888 area code. I dont know if this is real or in fact a scam. Im scared and need some type of help.

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 2020-11-11 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:
I'm a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank offers the XXXX XXXX credit card. When in store, the sales associate stated that there is an 18-month interest free promotion. This is what prompted me to sign up. No paperwork was given to me and there was no record of me having " chosen '' this promotion because I was never informed that there was a choice. 
Over two months, I have been charged interest. When I called several times, ( assuming on recorded lines ) I received the following conflicting information from customer care representatives : ( a ) promotion is either 10 % rewards OR 18 months no interest ( b ) promotion should be BOTH 10 % rewards AND 18 months no interest ( c ) you are not eligible for the promotion. 
I wish to pay my account in full - less the interest charged - and close the account.

Company response to consumer: Closed with explanation