vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I went to XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX to purchase XXXX white XXXX charger XXXX XXXX pack that I discussed with salesman a day prior to me coming in. When I got there the car I originally wanted was gone, they sold it. I was getting ready to leave because they did not have what I wanted but the salesman talked me into getting the XXXX XXXX XXXX XXXX I proceeded to do the application as a consumer credit transaction with my name, social security number, date of birth, and provided work information as requested from dealer. They asked did I have a downpayment and I asked them did I need XXXX and they said yes. I said I was trading in my XXXX XXXX XXXX. They took pay off letter and said they were giving me {$10000.00} for the XXXX XXXX XXXX. They also stated the {$10000.00} would be used as the downpayment. I sat with the finance XXXX, he told me who approved through me ( Ally Financial ) and signed paperwork for vehicle and I left with vehicle and paperwork. At the time I did not realize the finance charge amount was inaccurate, the financed amount was inaccurate, and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), and that I had been abused and deceived. I called XXXX 's on XX/XX/XXXX to inquire about inaccurate finance charge, inaccurate amount financed, inaccurate monthly payment, inaccurate total payments, and a service warranty they put in amount financed that was not valid, and Illinois sales tax that I was not supposed to pay, and downpayment that I was not required to pay and they informed me I needed to speak to finance company ( Ally Financial ). I called Ally Financial and they told me I needed to speak to dealership. I let dealership know the Ally Financial said I needed to speak to them and they said someone will get back to me but no one ever did. I called Ally Financial back and they said someone will reach out but no one ever did. They followed up with a repossession order for my vehicle. I'm filing this complaint because the company has yet to return my call and I have the right to rescind this contract and I would like to do so.

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 2022-12-31 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
XX/XX/2022 two fraudulent XXXX  XXXX  charges {$21.00} and {$21.00} on my cash app account. I am currently waiting for not pending status to get the charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
LVNV Funding LLC Account # XXXX and Account # XXXX LVNVFUNDING LLC has collected exempt funds and is attempting to collect exempt funds. One of the accounts was dismissed in Iowa courts for failure to provide verifier able evidence. LVNVFUNDING LLC needs to be investigated for unfair and deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good Morning, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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: PA

Complaint narrative:
Good Morning, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXXXXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX XXXX XXXX ) and almost all of the accounts requested have been removed. 

On or around XX/XX/2022 Citibank ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. Citibank has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of 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 non-monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On XX/XX/2022, I XXXX XXXX went to XXXXXXXX XXXX XXXX XXXX to open a savings & checking account. I was told the requirements to open an account was {$500.00} minimum deposit. I told the banking representative that I had just moved to XXXX, IL and I was having my employer direct deposit my work pay into another bank account and that I did not have the complete {$500.00} at the time of opening the bank account with XXXXXXXX XXXX XXXXXXXX XXXX. The banking representative told me that it would fine and that all I need to do is present a check from the other bank for {$500.00} and by the time the XXXX XXXX XXXXXXXX XXXX completes opening my account ( some days ) it will give my direct deposit enough time to clear in my other bank. However that is not what XXXX XXXX XXXX  XXXX did, instead they took my check and tried to cash it that same day. When my other bank got the notification for the check they called me and I had to call XXXXXXXX XXXX XXXX XXXXXXXX and ask them why they did that when they specifically told me they would not be trying to cash this check until some days have passed while they are doing their review. After speaking to the XXXXXXXX XXXX XXXX XXXXXXXX banker who opened my account I decided that I no longer wanted to continue opening an account with XXXXXXXX XXXX XXXX XXXXXXXX and I told the banker and also asked her to cancel my application with them. She apologized and told me that they can fix the situation but I said no its fine I do not want an account with them anymore especially if they were not complete honest in telling me how their opening account procedures worked. After telling the banker at XXXX XXXX XXXX  XXXX to close my account and any other files they have on me the banker told me she will do that. However some months later I found out that XXXXXXXX XXXX XXXX XXXXXXXX had put a notification on my name in Chexsystems stating that I had committed bank fraud. I called XXXXXXXX XXXX XXXX XXXXXXXX to get an understanding of why they did this and no one has yet to call me back. Since that day XXXXXXXX XXXX XXXX  XXXX has also placed multiple inquires on my Chexsystems profile. I need help please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: PA

Complaint narrative:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: CA

Complaint narrative:
My XXXX account is closed and has a XXXX balance. Experian is the only agency with incorrect information they still show a balance. I filed a dispute the balance at XXXX is XXXX  They will not change my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: NC

Complaint narrative:
I purchased the vehicle XX/XX/2021. When I received my vehicle the description on the website did not match the car I received. The seat numbers were wrong and then I was told nothing could be done about it because the cars that matched that description were above my pricepoint. I contacted Carvana numerous times while on the phone with multiple representatives for hours on end. I had to keep telling my story over and over again. I found out when I got the vehicle there was an active warranty on it that was never disclosed on Carvanas website. I had to keep calling Carvana in order to express my disappointment in the service I received when I heard such great review about the company. After researching I found that Carvana was involved in a lot of similar issues I was experiencing. I am still dealing with emotional trauma of this experience which has affected my trust with companies such as yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: Source Receivables Management LLC
State: MI

Complaint narrative:
Source Receivables Mng 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We are possibly looking to buy a different house. We went to a mortgage company to start the process. They did a " soft pull '' with the credit bureaus. This, I was told, was not supposed to trigger the credit bureaus. The very next day, one phone received almost 30 calls from mortgage companies and others. It has now been a couple of weeks and we are still receiving between 10 to 20 calls a day depending on the day. This is of course EXTREMELY disruptive. Especially when one uses the phone for work and is going to get calls from unknown numbers for work, one can't just ignore the phone. 

We don't have a choice that these companies gather info on us. Why should they be able to do this to us? 20 phone calls a day is an invasion of privacy. 

Help! What can we do to stop 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 2022-12-31 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: EQUIFAX, INC.
State: FL

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. 

Account name : 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 othe
r 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: FL

Complaint narrative:
I noticed a hard inquiry on my consumer report from TransUnion via XXXX XXXX XXXX. I did not give TransUnion written permission that contained my signature to pull my report. I have no knowledge of XXXX  XXXX XXXX  or any products from XXXX  XXXX XXXX. I have contacted TransUnion and XXXX XXXX XXXX  regarding the 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 2022-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I received a notice in the mail from XXXX XXXX XXXX XXXX in 2020. I have and had no idea what this company was alleging I owed. I mailed them a certified letter asking what this was about and a copy of any contracts, original documents, etc. They never provided me with anything, however ; they reported a debt in the amount of {$2200.00} which has negatively impacted my credit. To top this off, they have the audacity to state that this debt was disputed and resolved, yet it's there on my credit report. This has not been resolved, and this company is violating my rights by reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
There is an unknown account on my credit report which is reflecting me as an authorized user. When contacting the bank, they are stating its not an existing account. Ultimately, I have been trying to be removed as authorizer user and they will not remove this from your credit profile.

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 2022-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Selene Finance took over the servicing of our mortgage payments in late XXXX, and almost immediately raised our monthly payments by over XXXX  % ( from {$3700.00} to {$5000.00} ). This was mostly due to a unilateral change that Selene made in the escrow collection agreement that led to an overall escrow shortage of just over {$11000.00} ( a {$7000.00} shortage caused by Covid-related forbearance had been distributed over 60 months by the previous servicer, but Selene opted for immediate payment when they took over the loan ; unbeknownst to us, our homeowners insurance premium had also been increased by over {$4000.00} ). After filing a complaint with the CFPB and XXXX, Selene did adjust the monthly payment to {$4200.00} ( an increase of about 15 % ) but this was only after we were several months behind on mortgage payments. We were encouraged to apply for mortgage relief, but Virginia Mortgage Relief denied our request since the purchase price of our home exceeded their maximum ( we purchased our home in XXXX  XXXX, just before the crash ). 
Having dealt with Selene for the last twelve months, we have become increasingly convinced that they have no interest in good-faith negotiation. For instance, we applied for a loan modification, but after Selene dragged its feet on our application for three months, they returned an offer with a monthly payment of {$5100.00} ( an increase of about 37 % ). Consequently, we decided that our only option was to reinstate our loan.

Pursuant to that design, we sent a letter to Selene on XX/XX/XXXX, requesting an updated escrow analysis so that we could get an accurate reinstatement quote ( we had drastically lowered our insurance premium in XXXX and notified Selene of the change ). Selene refused to perform an off-schedule escrow analysis in a letter from them dated XX/XX/XXXX, and did not order an escrow analysis even though we sent a written request on XX/XX/XXXX, via certified mail and email. Selene finally ordered the escrow analysis on XX/XX/XXXX, after I submitted a verbal request to customer service and a new email request on XX/XX/XXXX. 
In the meantime, however, Selene has resumed the foreclosure process, and we were notified on XX/XX/XXXX, that our house will be subjected to a foreclosure sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
NAVIENT is still reporting inaccurate and unverified late payment information to the Credit Reporting Agencies. I have tried several times reaching out directly to them without success. I demanded as a consumer that pursuant to 15 USC 1666b under the FCRA they can not report late payments to my consumer reports but they are above the law I believe. The refused to prove I was ever late and still haven't removed these late payments.

Company response to consumer: Closed with explanation