vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I was sold a truck illegally its been welded on the frames the welds are rusted and shifting on the frame, the first day I got it the differential broke so I had them fix it and they told me there was nothing else wrong with the vehicle. Got it back my headlights never worked only the highbeams, the clocking in the steering column never worked the a arm was also welded crooked onto the frame illegally, The swaybar links were bent so when we put new ones on the whole front end popped off and we had to put the bent ones back on, found out that the truck was dog walking meaning the frame is twisted, go to a mechanic who then put it on a highlift said that the truck was definitely in an accident and it was never reported Ive got pictures and paperwork from the mechanic end it says that its been in an accident. I get more than eight calls a day from their loan sharks, I went down to Arizona from Colorado to try trade in the truck and the guy at the dealership laughed at me in the face and said that I am liable for everything and Still try to sell me another lemon off of his lot. The check engine light came on two weeks after I got the truck back, hes also not willing to fix the truck as well. I asked them if they can just take the truck back because I didnt want it anymore and I wasnt going to pay for it anymore and they told me that it doesnt matter that they were going to still hold me liable for whatever the truck is worth after an auction. But that they were going to put the truck back on the street its going to kill someone because it is illegally welded on the frame it should be in a junkyard!!! 
Hurt my credit, Lied about the price, Bogus or hidden charges, Low quality product, Collections issues, Bad customer support, Robocalls, Won't let me cancel

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 2021-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
BB and T bank / XXXX XXXX ( was XXXX XXXX XXXX  XXXX XXXX XXXX begun correspondence in XXXX ( but haven't received dividends since XXXX ) sent letter asking for bb and t to investigate why i never received replacement stock certificates in bbandt / XXXX XXXX being the new stock that I have due to the acquisition and why i am no longer receiving my dividends. No success or response in accordance with letter mailed certified mail. I made numerous phone calls and still no resolve. I then involved a stock broker ( independent ) stocks were returned to broker with a letter stating that I had to contact them not a broker. I kept calling they kept telling me they would research and get back to me and never would call me. I finally contacted an employee that said I had to send in original certificate to them in order for them to research and investigate. I, due to unprofessional handling of my account, reluctantly did send in certificates. i then called XXXX/ bbandt bank and they could not find my certificates I mailed XX/XX/XXXX and they were foun XXXX XXXX bband t informed when i called ( after many many phone calls with no resolve ) that they stock certificates were found and mailed back to explaining that the stock was being traded still, but with a comlany called XXXX XXXX. I called XXXX XXXX  and they denied this and found no info about me or my stocks. i received the stock certs by mail on the XX/XX/XXXX they had been punch cancelled in error and fixed reinstating them by stamping and initially the error they had made during the time they had the orginals ( almost 2 more months. ) Ive been trying to resolve this issue for four years. bbandt bank / XXXXwas purchased and years ago i was told they made an erro rby not sending me converted stock certificates now after all the years of correspondence letters phone calls etc they are saying they cant find my account. I was a XXXX  XXXX with XXXX XXXX XXXX XXXX they were sold to bband t and my stock followed the new company.. I need my dividends and want to cash in my certificates.. I cant do this due to bband t ( XXXX XXXX ) not helping me resolve the issue. I have no where else to turn but to involve cfpb to help me in finding out why they wont help me get my stock account found and give me my dividends that haave n't been sent since XXXX and cashing in my stock certificates. Please help me resolve this issue I do not know what else to do and dont know where or what the next step of recourse will be. i have all documents and correspondence dates and receipts etc.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
THESE COMPANIES PULLED MY REPORT ON XX/XX/2021 WITHOUT MY PERMISSION.I DID NOT AUTHORIZED THIS.

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 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I received several calls from XXXX XXXX ( Colony Brands ) for a charge I never made. It sounds like my information was used to make a purchase in the amount of {$190.00} from this company. The ( {$190.00} ) transaction was reported to the credit bureau for non payment. I never received a bill or any information regarding this charge.

I called the Company Colony Brands and spoke with their supervisor of collections and she gave me the an acct. # XXXX O and promise to investigate the charge and I should follow up in 10 days. 
I want this information removed from my Credit Report I never had of XXXX XXXX/Colony Brand or purchase anything from this company. Never receive proof of purchase or any bill from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I have a hard inquiry on XXXX XXXX  which was paid and settled by XXXX XXXX XXXX. They are still trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CIS DIRECT LENDING
State: SC

Complaint narrative:
CIS XXXX  I ask the company to fix the information on my account they add late payments thats inaccurate. AND TOLD ME IT QAS VERIFY. 
I DO NOT TRUE THIS COMPANY PLEASE REMKVE THIS ACCOUNT They have so many violation on my account My open dates is inaccurate My late payments are inaccurate Please DELETED this account CIS XXXX XXXX FROM ALL 3 CREDIT REPORTS FOR INACCURATE PAYMENTS INACCURATE OPEN DATE INACCURATE PAYMENT DATES THIS A violation please delete cis fin

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: PA

Complaint narrative:
I have called numerous times in regard to my credit profile with Experian. In my attempt to purchase a car from XXXX I was sent the wrong scores which gave me a huge interest rate. I decided to login to Experian only to see that the issue I tried to resolve is still there. My account is being hack and information being changed. Everytime I updated someone has access to change it again. My email is wrong, my address is was wrong and my name is NOT XXXX XXXX XXXX. My credit score gave me a 20.99 % interest on a loan. I also see I can't dispute anything on their site. There is a random company who recently added a collections account to my credit profile. XXXX  has already removed this fraudulent reporting but Experian will not givee the option to dispute. I have 7 days to resolve this so an update with my interest rate with XXXX  can happen. I have a XXXX XXXX  child that requires this car and I definitely can't afford the extra interest because of this scam. I do want my car but they should pay the extra interest if it can't be resolved in a timely fashion. The are letting this man destroy my life and doing absolutely nothing to resolve it. Everytime I call I'm lead around in circles with no results. I don't deserve this.

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 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I have a hard inquiry on avio credit which was paid and settled by XXXX XXXX XXXX. They are still trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: AZ

Complaint narrative:
A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. TransUnion, XXXX and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to XXXX  balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please 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 2021-05-01 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: AZ

Complaint narrative:
A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. XXXX, Equifax and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: AZ

Complaint narrative:
A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all XXXX agencies. XXXX, XXXX  and Experian. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please 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 non-monetary relief
Consumer complaint received 2021-05-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove XXXX XXXX from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States XXXX  department for discrimination with people XXXX as well as well consumer protection agency Im not sure why TransUnion has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was homeless and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well

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 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CT

Complaint narrative:
In XX/XX/XXXX a collection account appeared on my credit report from Vance & Huffman LLC collection agency/ attorney. The account # listed is XXXX. 

The address listed for this company is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I have disputed this account several times with XXXX XXXX, XXXX XXXX credit bureaus and the only response which I received was that it was verified. I was a victim of credit fraud in XXXX and had a victim alert added to my credit file with all 3 credit bureaus and the CFPB. This was XXXX Vance and Huffman are insisting for payment for a mattress which was purchased at a store called XXXX in XXXX, XXXX I contacted the store and requested documentation for the goods which were purchased and was told they do not have it as this was opened in XXXX. Please help with clearing up this matter. 

I will attach a copy of what is on my credit report in addition to the victim statement which was added in XXXX for the fraud which occurred concerning another account that the CFPB assisted with removing. 

This collection account is causing me undue stress and harming my credit rating. I ask that due to the length of time this has been ongoing that any penalties or liabilities which Vance & Huffman may have violated that I am awarded any monies under section 1002.16 Enforcement, penalties and liabilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
In XX/XX/2021 I applied and was approved for a Chase Saphire credit card. The card pricing and terms attached to application stated that the APR would range from 15.99 % to 22.99 % based on creditworthiness. The pricing information further explained that the prime rate is 3.25 % and Chase will add 12.74 % - 19.74 %, depending on creditworthiness, to determine the APR. After receiving my card I learned that my Purchase APR is 19.99 % and my approval letter states that they used my FICO of XXXX to determine my rate. The score has a range up to 900. So they added 16.74 % ( out of the range of 12.74-19.74 ) to the prime of 3.25 % yet my score was almost the highest possible. I called Chase and explained my concern asking how is it possible that Chase uses my creditworthiness score of XXXX to then add the higher margin to the prime rate? I explained that I would have expected to be towards the lower end of the margin range XXXX ie closer to 12.74 % instead of closer to the upper range of 19.74 % ). The agent said the credit analyst ( I cant remember the exact title of the person she referenced ) reviewed my application and made the right decision regarding the APR. Its very likely that no analyst actual evaluated my application because the approval decision, APR, and credit limit are all determine by an AUS that uses FICO score and income. Chase then sent me a letter stating that theres was no promotional rate available, which didnt make sense because I didnt claim there was a promotional rate ; I complained that I believe they didnt get it right when determining my purchase APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a new credit card as suggested by XXXX XXXX to improve my credit score on XXXX, in which two of the three credit bureaus did increase my score by at least 17 points after receiving a new cc, except Experian which is a paid service. This is an automatic score upgrade if any credit bureau know you have an extra cc which has not been used as of yet. No problem with existing card ( s ), all are within good status, I have not seen my Experian credit score change in almost two months. I request that I need an update from Experian every two weeks. Since it is a paid service ( they debit my checking account on a monthly basis ). I am not understanding how Experian is number one out of the big three credit bureaus and not report/update my score since it is a paid service. My credit score is still XXXX as I type this. It should be at least XXXX or higher with a new added credit card. I need them to update this on every two weeks for now on since I am paying for their services.

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 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
My home mortgage was bought by Lakeview Loan Servicing. My monthly mortgage payment has increased by nearly {$300.00}. This increase, which has not been explained, is beyond my means to pay. I require a rationale for this unexpected increase & need to work with Lakeview on the payment. They are not accessible by phone or online. Their inaccessibility is has had a major impact on my finances, home ownership and emotional well being. Lakeview needs to be accessible to their customers.

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