vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: DE

Complaint narrative:
Purchased at XXXX XXXX XXXX on XX/XX/XXXX 4 months later at XXXX miles I took the vehicle for a oil change to the car store as well as to identify an additional problem an change was preformed on the vehicle was returned to me I made it XXXX mile and the vehicle broke down I only had the vehicle XXXX  months at this time and put just less than XXXX miles when I returned it for a oil change and a possible XXXX XXXX XXXX and scheduled a appt to return the vehicle for service they car store applied for this loan and was paid a large amount of money for a vehicle that lasted 4 months I continue to pay this loan until recently and have heard nothing from the car store to justify they why they were paid and now didnt care and this XXXX XXXX  struggling to make it now has no car and is liable for a loan for a vehicle I havent had since XXXX  months after purchase please help tried to beg this man XXXX XXXX for any help and he continues to note this is my fault I also purchased all additional warranties to also help make sure I wouldnt be with out a vehicle I dont know what to do or ask for help but this will effect my future when trying to make any other cars or housing in the future

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 2022-11-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX XXXX several fraudulent charges appeared on my card ending with # XXXX. I was issued a new card with a new account number ending in # XXXX. I made several charges on my old card for a XXXX XXXX  which I had to cancel. XXXX refunded the money on XX/XX/2022 to the account ending in # XXXX in the total amount of {$13000.00}. We also had XXXX refunds from XXXX in the amounts of {$4.00} each, totaling {$9.00}. I also made a payment on my balance due for {$2900.00}. All these refunds, {$15000.00} total, were credited to my old account ending in # XXXX. I would have assumed that the credit card company would have merged these XXXX accounts but they did not. The credit card company was undergoing a system outage/update which made it extremely difficult to contact them via phone, email, even snail mail. I called many times and hung on the queue for extended wait times for Customer Service and was hung upon or disconnected intentionally. I wrote XXXX letters asking to have my money returned to me. On my last XXXX statements, there was a notice that they would send a check in 60 days, then 30 days and on this last statement, there was no check forthcoming. I feel I have been patient long enough since they have had this money since XXXX XXXX. I would like my money returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX XXXX 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 2022-11-03 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: NC

Complaint narrative:
In XXXX of 2021 I sent a letter to XXXX XXXX XXXX account # XXXX request that my late payment be removed. They said that they don't do removals. 


In accordance with the fair credit Reporting act XXXX XXXX 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 any purpose

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 2022-11-03 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: NC

Complaint narrative:
In XXXX of 2021 I sent a letter to XXXX XXXX XXXX account # XXXX request that my late payment be removed. They said that they don't do removals. 


In accordance with the fair credit Reporting act XXXX XXXX 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 any purpose

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Regarding unauthorized charges too the account ending in XXXX. There have been varies XXXX made to this account. I'm trying to have the XXXX charged back. Neither, I or anyone authorized by me made those charges. I need help to obtain these XXXX  charged back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX CFPB, Equifax is reporting an account XXXX XXXX ending in XXXX past its legal statute of limitations. The account had a date of first delinquency of XX/XX/XXXX up until XX/XX/XXXX. In XX/XX/XXXX the account was removed and reinserted on my file with a different date of first delinquency of XX/XX/XXXX. Therefore prolonging the reporting of the account by an additionaXXXX XXXX months. The date of first delinquency is set in Stone can not be changed. The account is over XXXX XXXX XXXX past its first delinquency. I have attached documentation of how it was reporting and how it is reporting now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
! XXXX I received a notice by XXXX XXXX XXXX that my score declined by XXXX points and the reason was because of credit inquiries from XXXXXXXX XXXX XXXX XXXX and XXXX I have never applied to these companies before. 
XX/XX/2022 I called and spoke with a representative of XXXX and according to the representative they are investigating and will make a determination in a few weeks. I also called Transunion they told they can't do anything and I have to contact the FTC myself wait for something to be mailed from you to me and then perhaps they may be able to remove the inquiries or whatever action they can. I called Transunion because at the time my screen reader wasn't working and I'm XXXX XXXX and can only use my computer with the technology of a screen reader but I have assistance reading mail. I need my credit rating restored I also noticed an alert from XX/XX/2022 saying XXXX XXXX Compromise.. Someone is attempting to use my identity. I hope you can help 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 2022-11-03 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: NY

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/22, I asked the mortgage company, Lakeview MortgageXXXX. XXXX to pay my XXXX XXXX tax in 2 installments rather than 1 in order to avoid their anticipated escrow shortage which would increase my recently decreased mortgage payment roughly {$400.00}. Their unpersonalized canned response was unhelpful. I then called to request this and was told that their system shows it will be paid in 2 installments as requested BUT it was not showing on their website. I was told not to worry. I then realized that when my mortgage account was transferred in XXXX from XXXX to LakeviewXXXX. XXXX, I was told no payment would be due until XX/XX/XXXX. I like to stay ahead of payments so I paid the XXXX mortgage payment in advance. They credited the full amount to principal and failed to credit any of the payment to escrow as they should have. This, paired with the single tax payment ( as opposed to two timed installments ) is what created the anticipated escrow shortage. And that {$2000.00} shortage is resulting in a {$400.00} increase to my monthly payments! My prior mortgage company had DECREASED my monthly payments by {$400.00} after their escrow analysis. LakeviewXXXX. XXXX is refusing to apply my XXXX payments as requested and have shown no evidence that they are paying my taxes in two installments as requested. This is resulting in me paying more interest. It's an unfair business practice. Mortgage companies should be required to warn customers NOT to skip a payment when refinancing or when their mortgage is sold or they should be required to advise them to at least pay the escrow amount. Mortgage companies should also be required to speak in understandable, personalize language when corresponding with customers - unpersonalized, generalized canned statements are NOT helpful. I do strongly believe that this company plays with numbers to draw more money out of unsuspecting 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
Consumer complaint received 2022-11-03 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: CO

Complaint narrative:
I spoke with XXXX XXXX  and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the XXXX XXXX XXXX is showing late payment even after sending the statement to them.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
On or about XXXX, XXXX, XXXX my debit card ending # XXXX was used to make unauthorized purchases and withdrawals in the amount of XXXX $ I submitted a fraud complaint case ( # XXXX ) XX/XX/XXXX ; while detained in a Pennsylvania XXXX XXXX XXXX Once released on XX/XX/XXXX I was able to formally inform the fraud department by phone numerous occasions and was directed to wait the mandatory XXXX day review period which ended on XX/XX/XXXX. I subsequently forwarded more evidence i.e. Police Report, POA, to rebut the first Denial to no avail. I contacted the fraud department numerous times from XXXX XXXX XXXX, XXXX under the impression that a second claim was initiated by following instructions given by a fraud agent during a phone conversation on or about XX/XX/XXXX. Their terms and conditions don't explicitly state the prerequisites on how to initiate a second fraud claim nor was I explained that internal due process. I deem my consumer rights have been denied by this lack luster administrative process...

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 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
I held a private vehicle loan with Truist Financial Bank holding Company, headquartered in North Carolina. The loan value was for {$36000.00} for a XXXX XXXX XXXX. On or about XX/XX/XXXX, I refinanced my home and paid off the Truist Loan in full. After waiting approximately XXXX month, I realized I never received my title / lien release. I contacted Truist on or about XX/XX/XXXX to inquire about the missing title. I was advised that the title was mailed on XX/XX/XXXX. However, it was never received. I requested a new copy of the title on that same day to which I was assured that a new title would be forthcoming. On XX/XX/XXXX, I still have not received the title as demanded and contacted Truist. They showed no record of my calling on or about XX/XX/XXXX and had no record of a new title being mailed. I have now requested a new title to which Truist representative advised they could only provide a release and I will have to visit a local Department XXXX XXXX XXXX to have a new title issued. This is absolutely absurd and a predatory consumer issue.

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 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Please reference old complaint which was closed prematurely. That number was XXXX. 

Phh Mortagage continues to deliver reverse Mortgage payment 1 to 3 days late depending on the month and associated Holidays. I contactedthe Federal Reserve and they stated thatthere are XXXX windowsduring the day to transfer money thru them to associated banks for Reverse Mortgagepurposes. The first XXXX frames ensure the recipientsreceive their money on the first business day of the month per contract. The third window is too latein the day and causes recipientsto receive money 2 to 4 days late depending on the month and associated Holidays. 
If PHH would only send the moneyto the XXXX XXXXXXXX time slot earlier, I would receive the money that I pay interest on every day. 

Thanks For Any Help You Might Render XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Accounts listed below must be removed ( CHRYSLER CAPITAL ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2022 approximately XXXX Chase bank atm malfunction. It did not disperse {$1400.00} that I requested however it was debited from my account. I informed management at local bank they informed me to contact bank by calling them. I called bank they informed me that a credit would be issued after an audit completed. XX/XX/XXXX I was credited {$1400.00}. XX/XX/XXXX the credit was reversed after there audit determine money was accurate in atm machine. I never received any money in XX/XX/XXXX from the atm transaction. Chase bank have now closed my claim on this transaction and determine there atm was correct. 

Claim # XXXX ATM #. XXXX Indoor ATM XX/XX/2022 XXXX XXXX Chase bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: First Technology Federal Credit Union
State: SC

Complaint narrative:
I am a member of First Tech credit union. I have a consumer credit card with them. 
I did a recent cash advance transaction. I wanted to know how the interest is calculated. They told my interest rates are increased. 

Last statement I received from them was on XX/XX/2022. In the statement i got on XX/XX/2022 the interest rates ( XXXX ) for purchases will be 9.750 % and then for cash advance XXXX will be 10.750 % Today, First Tech representative told that my interest rate is 11.750 % XXXX for purchases and 12.750 % for cash advance. 

I wasn't notified of the rate increase per the law XXXX Reevaluation of rate increases. 
On those grounds, shall I dispute the rate increase without formal notification? 

The representative told that the rates would be published in the statements. Since I didnt get statements for XXXX, XXXX, XXXX, XXXX of the year XXXX The institution didnt make any effort to notify the change in 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 2022-11-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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