vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX I started a lease with Chrysler Capital for 2 cars, each car has its own account online to make payments. I pay {$230.00} each month, and in XX/XX/XXXX, I had trouble signing into account # 1 to make the monthly payment, so to avoid a late fee I made a double payment of {$470.00} on account # 2In for both cars. Once I made the double payment I called Chrysler to explain why I made the double payment hoping they would transfer the {$230.00} to account # 1. Nobody answered the phone due to the pandemic, and therefore the issue was not resolved. When finally I was able to contact them I explained the issue to them and asked them to correct it, they said they will, but they did not do it. 
I contacted them again in XX/XX/XXXX and they told me that in order to solve the issue I had to submit a {$470.00} payment ; I made the payment on XX/XX/XXXX and I did wait. 
A few months later I came to know that the issue was not solved then I called them again and they told asked me to submit another {$470.00} payment and they promised that they will solve the issue. I did the payment on XX/XX/XXXX, A few months later I came to know that they did not fix the problem and they were charging me late fees {$32.00} every month then I continued calling, but they did not help me. I talked to agents, supervisors, and managers, but they did nothing about it. 
On XX/XX/XXXX I spoke with someone who wanted to help me and asked me to submit a {$230.00} extra payment to bring to current the account that was past due, I made the payment on XX/XX/XXXX, but they did not waive the full late fees amount. 
On XX/XX/XXXX when the lease was ending, I chose to buy both of the leases, when I went to the dealership, they told me that in order to buy the lease I had to pay the late fees which were over {$650.00} and the worst scenario was that I got a high-interest rate for the deal due to that issue which they never wanted to solve. I had to pay the late fees on XX/XX/XXXX so I have to be paying interest for the late fees too because late fees were added to the price of the car. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
For the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for two accounts which XXXX has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights

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 2023-01-18 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: CT

Complaint narrative:
For the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for XXXX accounts which XXXX has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX  is on my credit history and have no clue why its been on my credit report I lived with some people during these things on my credit report occurred on my credit history in my birth certificate and social security card and Id got stolen from me in then started realizing that there was all kinds of credit card was applied for under my information in then my credit is ruined because of other people who still peoples identity its sad how people are now days I shouldnt have to struggle to get this XXXX off my credit history because of how hurtful someone would just steal someone identity in use the person information just so they can get people thinking that its the person whos identity who was stolen in then takes forever just keep disputing the things I didnt apply for or had nothing to do with still struggling after a couple years of constantly getting it off my history people just dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: IL

Complaint narrative:
Im a victim of a data breach that happened within XXXXXXXX XXXX  ( hospital ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My home loan servicing company was transferred in XX/XX/2022 from XXXX XXXX to my current servicing provider, XXXX. All payment amounts and information were transferred as is and I had made every payment required by the prior servicing company, XXXX. Unbeknownst to me there was a shortage in my escrow account. When the new servicing company, XXXX, acquired the loan, they assumed the risk as is with no due diligence or review on their end and even more so, no notification to me that there was a potential problem. Fast forward towards to the end of 2022 and I receive a letter in the mail notifying me of the shortage amount of {$3400.00} and that I will be responsible for paying in increments over the next XXXX  months, thereby significantly increasing my mortgage payment. I called XXXX to help explain the situation. After reaching several different levels of customer representatives, I finally reached a XXXX XXXX at XXXX who helped explain the situation as a mistake made at XXXX when calculating my escrow balance and funds needed. My complaint, and what I am looking to resolve, stems from the fact that this error made was on the mortgage servicing provider. Both XXXX, who originally calculated it incorrectly, and XXXX, who assumed the risk as is with no due diligence and failed to ever notify me of a shortage so I can take earlier steps to rectify. I am asking for the relief of the full shortage, {$3400.00}, as to make me whole of a mistake made by the company, not the home owner. Thank you.

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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NC

Complaint narrative:
Please see attachment. Disputed in writing XXXX Never heard back and then got a letter today attempting to still collect this debt. They never got back to me to clear the debt or to try and validate with me either. unethical and harassing. See documentation. Just notified them in writing again today via fax and mailed snail mail showing previous dispute and no response for well over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CITIBANK, N.A.
State: SC

Complaint narrative:
i call XXXX XXXX after i received there letter from the debt collection agency they send my account to on XX/XX/, after this account was paid i have my bank statement showing this and the person i call said they would get this corrected but they put it on my credit report anyway, i also paid wayfair all of there money and called them and they told me that they sold my account to citi bank and citi bank told me that my account was over due, i paid this account out before the 6 month on interest, i paid them two to three months in advance as they stated as the terms of the agreement, i am requesting copies of the paperwork they have showing i owe them, and i want all of them removed from my reports, this is destroying my credit worthiness and my good character.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this dispute because XXXX XXXX reported I missed XX/XX/ payment when in fact I made the payment on XX/XX/ and funds were available. XXXX XXXX department advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX  customer service advised me to contact a local XXXX XXXX to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Company failed to remove negative inquiry from my credit report after several disputes. They are illegally reporting a bankruptcy. The United States Bankruptcy Court does not report to the credit bureaus. Therefore the bankruptcy information the company displays on my credit report is unverifiable and should be removed immediately.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022 a bank account with my information was trying to be opened. However it was closed down by my bank, because of lack of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted CapitalOne and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact Capital One and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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:
I received a statement in XXXX that stated the closing date for that billing period was XX/XX/XXXX. The statement indicated ( highlighted in red ) on the first page that I must pay a balance of {$2000.00} by XX/XX/XXXX or any remaining balance would be assessed interest at the standard purchase APR. On XX/XX/XXXX I paid {$210.00}. On XX/XX/XXXX, I paid {$1800.00} for a total payment on the account of {$2100.00}. This is above and beyond the clearly stated amount of {$2000.00} noted on the XX/XX/XXXX statement. Upon receiving my XX/XX/XXXX statement I noted an interest charge of {$2.00}. What this shady bank did was charge me standard purchase XXXX for charges that posted ON and AFTER XX/XX/XXXX that were not paid off by my payment on XX/XX/XXXX ( some posted as of the date of XX/XX/XXXX through XX/XX/XXXX ). There is no way, I, as a consumer, would know that I was being charged interest for NEW charges in the current billing cycle because of a promo that stupidly ended in the middle of a statement cycle. Any charges that posted to my account from XXXX that XXXX is attempting to claim fall under the " promotional '' period is predatory. I want my {$2.00} refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent Convergent Outsourcing a letter for Validation of a alleged dent. They have been reporting this inaccurate information since the year of XXXX. I have sent them a second notice about the debt not being validated and I spoke to a representative from XXXX by the name of XXXX on XX/XX/XXXX who put in a dispute over the phone. Til this day the alleged debt remains and needs to be deleted from my consumer report immediately.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2013 your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposeXXXX

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 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
In XX/XX/XXXX I contacted Freedom Mortgage to see if I could have my PMI removed. I was told I'd pay {$150.00} for a BPO and it would be removed if it qualified. Then I received a letter stating it wasn't eligible for BPO review until after XX/XX/XXXX because I needed to pay 2 years on the house. In XX/XX/XXXX, I again requested a BPO review by secure email. I received a response stating that I would need to pay {$450.00} for an appraisal. When I called, I was told that the fee is {$150.00} and it must be a typo, but then the agent looked further and said that West Virginia is the only state that Freedom Mortgage requires a {$450.00} appraisal and not a {$150.00} BPO. Additionally, Freedom Mortgage states that even if I pay my mortgage down to 80 % of original value, I will have to pay {$450.00} appraisal fee before they will remove the PMI. Why is WV the only state that must pay significantly more to remove PMI? And once I've met 80 % of my original purchase price, how is it not contrary to the Homeowners Protection Act to have to pay {$450.00} for an appraisal just to avoid paying additional PMI?

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