vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I previously filed a complaint through the CFPB in XXXX of this year concerning credit acceptance and my account and extra fees that I was unaware of the fact that I told the car lot I didn't want the extra service plan it was in fact still charged to me in the amount of XXXX Credit Acceptance has since offered a settlement of XXXX dollars I feel considering I refused the extra service plan and was still charged for it I feel the settlement is unfair considering all the money in interest that Credit Acceptance made off the extra XXXX service plan I didn't agree to I would also want them to produce the original paper contract that has my wet signature agreeing to the extra service plan.I feel this loan should at the very least be closed and settled for zero, I feel as though I am one of many that Credit Acceptance in partnership with car lots do this bait and switch with the service contract to people who refuse this extra plan it's misleading and or fraudulent and designed to be financially damaging to the people who can afford it the least, and if they can't produce my wet signature on the extra service plan I should be reimbursed the XXXX and I feel like I want to see if it was forged and what point was it added because I never agreed to it at this point I have also been advised to seek out a consumer law attorney in this matter but I am hoping the CFPB 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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
ON XX/XX/XXXX PNC BANK DECIDED TO PUT A HOLD ON MY BANK ACCOUNT NO REASON GIVEN, they have no proof of letters sent to my home address explaining the reason why the hold There are over {$44000.00} USD DOLLARS they have had my money for well over 2 years THEY ASKED ME TO STEP IN THE BRANCH WITH MY BROTHER WITH OUR IDs WE MET WITH XXXX XXXX AT THE PNC BRANCH LOCATED ON XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX WE GAVE HIM OUR IDS AND HE SAID THIS IS ALL WE NEED, THE HOLD SHOULD BE REMOVED WITHIN 48 HOURS WE MET XXXX XXXX XXXX AND IT IS ALMOST XXXX I JUST WANT PNC TO EXPLAIN WHY ARE THEY STILL HOLDING MY MONEY??? 

THEY ASKED ME TO STEP IN WITH MY BROTHER AND WE DID. 

I ASK THE CFPB TO PLEASE PROTECT ME AND HELP ME AGAINST THIS FRAUDULENT BANKING PRACTICE THEY ARE TRYING TO KEEP MY HARD EARNED MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: TX

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXXXXXX involved me making deposits for a total amount of XXXXXXXX USD from my Golden 1 Credit Union account to fraudulent investment firm ( s ).

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 2023-11-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received notification via email alerting me of an inquiry made on XX/XX/23 by Navy FCU. I contacted them to resolve issue and was notified that a credit card was approved for a application I did not complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The company is reporting a car loan that is not my social security number on my credit report from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
MY NAME IN PERSONAL INFORMATION IS NOT CORRECT ON MY CREDIT REPORT PLEASE REMOVE 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 2023-11-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
There are over 90 unauthorized inquiries. I called Transunion 2 times after send the FTC report over a month ago to remove them. I was advised they didnt receive any report and they cant remove unauthorized inquiries without it.

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 2023-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Paid my balance in full Credit card company didnt apply my payment Being charged late fees since Comenity Bank is the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Approved me for a title loan that was an amount larger than the value of the car, I believe this was a predatory action taken on someone with no other loan options due to credit status after extensive medical bills and a divorce. The car was totaled in 2021, I had full coverage insurance so they paid out the value of the car but the balance of the loan was still nearly 2-3k over the amount that was dispersed, I had a period of hardship for months after that with nearly no income and needing to replace my car as well without any assistance from insurance because it was paid directly to OneMain financial. They contacted me constantly via email, phone, and mail for months until I enrolled in a debt management plan that included this loan. I once again experienced an extensive period of financial hardship this year ( and still am ) and theyve begun contacting me repeatedly again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
After my last complaint in CFPB, HSBC replied to me that my account access was restored on XX/XX/XXXX after the review was completed, but I logged on and my account still was suspended, I want to know what's the reason for that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was given the American Express e-gift card on XX/XX/23 in the amount of {$35.00}. I have confirmed the card is active and the balance is available, yet when I have tried to use this gift card following every rule as outlined by American Express, the card is declined. I have always processed purchases for under the {$35.00} amount and it is declined each time. I have tried purchases from XXXX, XXXX, XXXX and XXXX. Each time, the retailer will hold a small amount ( {$0.00} ) and eventually, the hold is dropped because the purchase was declined. I have also attempted purchases using the card via XXXX XXXX without success. American Express has effectively left me with no method to access or use this gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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. 
I have been disputing incorrect and fraudulent information that Experian Credit Reporting Agency has on my credit report for the past year. I submitted Identity Theft report number from the Federal Trade Commission and internet crimes related to illegal use of my information along with other proof invalidating info they have on my credit report. I have found that my personal information has also been used to apply for credit cards. I have received an couple of emails from Experian stating they ran my information and found it on websites and is exposed to identity theives. However, Experian does not take this into consideration while I am disputing fraudulent accounts and incorrect information on my credit report. I have sent Experian every peice of information about myself but they have not done a real investigation. Instead, they add the information that I have provided to the profile/data they have already created. Their data is a mixture of accurate and inaccurate information that Experian does not want to sort through or validate. 
I've contacted multiple companies during disputes. Experian has not although they claim they investigated. Their dispute results always come back as " verified and accurate ''. I have repeatedly requested specific information related to their investigation such as : what companies did Experian contact, what phone numbers they used, who did they talk to, what time did they talk to them, and what information was provided.

I have not received any of the answers.

I dont know if Experian are trying to use a scare tactic to get me to upgrade my membership on their website and pay for one of their Identity Theft protection packages or what.

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 2023-11-25 00:00:00
Product: Credit reporting 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:
I reviewed my credit reports and noticed there was fraudulent activity. Here is the unauthorized accounts : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX - XXXX XXXX - XXXX ACCT BALANCE {$150.00} Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have reached out to this creditor and theyve all said they dont even recognize my information given in their system and that theyll remove the credit lines off my report but they still there. This all is a violation of the Fair Credit Reporting Act, and any item appearing on my credit report that has no proper verification or evidence provided to me alleging these accounts belong to me, is illegal. I am enforcing credit laws 605B and 1681B, do your due diligence, send debt validation with original docs of agreement with identity proof that " that was me. So in the end, y'all can remove these fraudulent accounts.

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage was transferred during Covid to Shellpoint mortgage service from XXXX during Covid. I was initially placed on forbearance, and when the forbearance was over, Shellpoint put me on scheduled payments. I paid every payment either early or on time. The first payment was due in XXXX. Once I was given the amount, I paid it early in XXXX. Shellpoint reported it 60, 90, and 120 days late, although it was never late, paid early, or on time ( see attached documentation ). I sent documentation to XXXX verifying this, but they have not removed it. I have never been late. I was under COVID-19 protection once over ; I immediately resumed payments. I have been dealing with them for over two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit 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: DISCOVER BANK
State: PA

Complaint narrative:
I inquired about the validation of the transaction and was informed that XXXX provided supporting documentation indicating a cancellation of the subscription on XX/XX/XXXX. However, this contradicts the evidence I presented, which clearly shows XXXX confirming the cancellation of my subscription on XXXX. 

Adding context, on XX/XX/XXXX, I received an email about an update to my water filter subscription, despite it being canceled by XXXX. Subsequently, on XX/XX/XXXX, a charge appeared ( which I disputed ), followed by my contact with XXXX  on XX/XX/XXXX, where they claimed the XX/XX/XXXX charge was for the last filter before my supposed cancellation on XXXX. This seems improbable, given that the last water filter I received was in XXXX. 

Despite my efforts, they refused a refund, prompting me to initiate a dispute with Discover. Notably, I possess video documentation of my conversation with XXXX on XX/XX/XXXX, submitted as screenshots to CFPB, as they declined to provide me with a copy via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I believe the account is invalid. XXXX XXXX  XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
Reporting false information in regards to XXXX XXXX  charge-off. The information has been removed from XXXX and must be updated among all three credit reporting agencies. 

In regards to the {$47000.00} charge-off : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefor any such debt in fact therefore exists.

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
inquiries shared my credit info without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
XX/XX/2019 paid back loan but still saying I owe the loan. And saying I have other loans that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX I disputed a XXXX account listed in my Equifax credit file. XXXX alleges the account was charged-off sometime in XXXX. Yet, the date of first delinquency, which determines the date at which a charge-off occurs, and relative to which the derogatory charge-off will report under law, shows as XX/XX/XXXX. If this date were accurate, the it implies the charge-off occurred nearly two ( 2 ) years AFTER the date of the first delinquency and means the charge-off took place well outside the statutory time-frame of not later than one-hundred eighty ( 180 ) days after the date of first delinquency. On its face this is an error. On or around XXXX XX/XX/XXXX Equifax returned the results of their ( re ) investigation, claiming XXXX verified the information was accurate allegedly occurred in XX/XX/XXXX, which means the account would have been charged-off not later than XX/XX/XXXX, one-hundred and eighty ( 180 ) days after DoFD. The charge-off status, and the charge-off indicators with payment history and status code, can only persist in a credit file relative to an accurate DoFD. In absence of an accurate DoFD the charge-off indicators and status are inchoate and must be removed. Either Equifax needs to prove the charge-off for the account occurred not more than one-hundred fifty ( 150 ) days beyond the Date of First Delinquency, XX/XX/XXXX, else Equifax needs to remove any and all charge-off status codes present within the account history, any and all charge-off status indicators, any and all references to a Date of First Major Delinquency, and the date the DoFD was reported.

Company response to consumer: Closed with non-monetary relief