vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I purchased this vehicle in XXXX of XXXX. I was behind in the months of XXXX and XXXX of XXXX. I lost my job in XXXX of XXXX. And I agreed to paying {$250.00} bi-weekly. I owed under {$4000.00} when I contacted them in XXXX of XXXX, and agreed to pay the loan off until I filed my taxes in XXXX. I voluntarily released my vehicle, due to pressure, despite me doing my due diligence in keeping communication with them. I looked at my XXXX Credit report on XX/XX/XXXX, and seen that it states that I was180 days late. I was never that far behind. Strangely, I received a letter from Credit Acceptance on XX/XX/XXXX, stating that my loan was paid in full and the lien was released, which means I should have both the car I voluntarily released to them and I also should have my title.

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 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I never had a car or loan with this company. This is a fraudulent record.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive sent dispute a letter to Experian, XXXX and XXXX detailing harmful errors existing on my credit report currently.

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 2023-05-01 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:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-05-01 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I was never contacted about this debt, mailed any notification or anything. Also, unaware of who this is as it is not the original creditor. Now it has been added to my consumer report negatively affecting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
Re : Disputing Fraudulent XXXX  XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have 30-days from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2023-05-01 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Motor Finance, I called XX/XX/XXXX and spoke with XXXX XXXX regarding a stop payment for a refund check XXXX XXXX XXXX XXXX XXXX ) and advised me that the check would be issued to my husband XXXX XXXX. After a week I called to ask for updated status on the cancellation 3 separate times ( was told it was pending management approval ). I then got on the phone again with XXXX XXXX XX/XX/XXXX ( 10 business days later ) who expressed that she was who took my request initially XX/XX/XXXX and that they have a new process that she was unaware of and would now submit the claim to her supervisor. I called again XX/XX/XXXX and spoke with XXXX who let me know the check was being sent out but to the same old address since the XXXX on car was my husbands name and XXXX never switched his address leaving the old one. XXXX request a supervisor call and changed my husbands address or so I thought. I called the following day because XXXX said she would call back that day or the next. I called the following day XX/XX/XXXX and spoke to XXXX who then changed my husbands address and would push an email to all supervisors to give me a call. I called today and spoke with XXXX who let me know that the check is still pending cancellation. The check amount is {$2200.00} but XXXX from the dealership at XXXX XXXX sent me a copy of the voided checks which came out to {$2300.00} missing {$140.00} which was confirmed there is not reason for this and would be sending this up to management. I have submitted over 6 request over the month to speak to a supervisor and have never once received a call. I was sold a XXXX XXXX XXXX lemon vehicle XXXX XXXX and took XXXX until XX/XX/XXXX to take the car in and deemed it lemon. My first complaint of the car stopping whiling driving was XX/XX/XXXX. I was told I needed to pay {$890.00} upfront for the mileage on car after subtracting the gas I put in the rental. The checks were printed on XX/XX/XXXX and its XXXX XXXX XXXX I have called about 15 times since XX/XX/XXXX. Customer Service rep told me this was ridiculous and to report it to CFPB for a response since they cant get back to 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 2023-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Previously submitted here as XXXX. YOU SENT LETTERS TO Caliber and they said they'd fix, but worse now! 
In mid XX/XX/XXXX  Caliber awarded me a 90 day deferrment on my mortgage payment when I called them as knew I'd be late on XX/XX/XXXX  payment. They said this would prevent negative remark of late payment on my credit. Within the 90 days I had my mortgage current. Caliber also sold /transferred my mortgage to their sister company XXXX and have been current since. Caliber was who advised me to apply for the deferrment so my late payment would NOT be reflected on my credit. I AM STILL GETTING CORRESPONDENCE FROM CALIBER THREATENING FORCLOSURE AS BEFORE WHEN I SUBMITTED COMPLAINT REFERENCED ABOVE AND NOW I SEE THEY HAVE REPORTED A LATE MORTGAGE PAYMENT ON MY CREDIT REPORT!!!!! I AM CURRENT ON MY MORTGAGE WHICH IS NOW THRU XXXX. 
XXXX ) : I want this threatening correspondence about forclosure to stop. When I call Caliber it says they no longer own my mortgage and automatically transfers me to XXXX. XXXX says I have to talk to Caliber as I am current with payments. Have sent Caliber cease and desist letter ... .they persist! I have spent hours on hold calling them without resolution. 
XXXX ) : I want the late mortgage payment removed from my credit report on all credit bureaus and a letter in writing stating this. Caliber said the forbearance would preclude any negetive credit reporting. 
My mortgage is current. I am continuing to live in and pay for my home and plan to keep living here and owning my home. This needs to stop. It's causing undue stress and has been ongoing since XXXX or XXXXEnough already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , IncXXXX - have sent notices and violated privacy in having the information unsecured delivery and exposure of credit information. Company already contacted as mail was found about the neighborhood. Additionally, credit report from XXXX does not have this purchased debt but illegal means of collection is being employed with threats noting PRE-Legal NOTIFICALTION mailings. This is a continued practice of this company for which they have been fined in the past. The mailings with respond by dates are mailed with little time frame for responses and yet they seek un-substantiated claims within the courts according to notices thrown about people 's property. NOTICE Dated XX/XX/XXXXXXXX  was not discovered until XX/XX/XXXXXXXX  with response date to pay by XX/XX/XXXX. Paid pennies on the dollar but want to impose unsubstantiated claims of debts via harassment methods. Calls and unsecured time sensitive mailings left to blow about people 's neighborhoods. Deliberate delays to take illegal legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reached out the the credit bureaus in regards to a violation of section 623 ( a ) ( 3 ) for failure to enter notice of dispute for XXXX XXXX  XXXX. I sent a letter to XXXX, Equifax, and XXXX on the XXXX of XXXX. I've disputed this account numerous times in the past 120 days and to my shocking disbelief all parties in this matter have failed to update my credit profile and stated bye law. I would like for all inaccuracies and violations to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Charged the incorrect amount on XX/XX/23. Escrow statement dated XX/XX/23 says my new payment is {$1400.00}, effective XX/XX/23. I was charged {$2200.00} on XX/XX/23. Want the charge reversed and the correct charge effectuated. 

I called in no less than 4 times about this matter in advance and promised that I would be charged the correct amount. 

I've had to make a CFBP complaint 4 times now because Freedom makes so many mistakes and the folks there seem to be unable to manage my escrow account.

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 2023-05-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Order # XXXX. Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from BestBuy online using my XXXX XXXX  credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from BestBuy. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with XXXX XXXX  and receiving a provisional credit. 

After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-05-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX and XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
On or about XXXX XX/XX/2022, I made a mortgage payment over the phone. The reason was because I changed my auto payment info and didnt think the the mortgage company would interrupt their auto payment process. I recently received an email from said company saying I have an important document to review. Viewing the document shows an overdue payment fee. Talking to two representatives solved nothing to remedy this snafu with the process. Not intentional on my part. Talking to the representatives I was constantly interrupted and not allowed to explain my position. Their answer was something on the order of a signal was sent out previously. If this signal is finite why didnt I get an email every month stating I have documents to review. This incident happened over 14 months ago. If nothing changes on my statements I dont need to look them up. Well something changed. I feel I may be, along with other people, of being embezzled out of funds. The mortgage company didnt fix their process then and they think I can fix it for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Received a XXXX email saying my purchase was completed although I didnt make a purchase. When I called the number XXXX told me my IP address was public and I was scammed. She then told me to download, I believe XXXX, which I did and then go to Zelle. I made numerous transfers under the belief and instruction from here that I was doing the right thing. This occurred XXXX. The total amount was about {$14000.00}. I kept all of the emails, transactions and phone number to which I spoke. She then told me to go to 1 of a list of stores and call from the parking lot. When I did she told me to go inside and by 4 {$500.00} gift cards and give her the numbers on them. I told her she was scamming me and didnt by the cards. Upon arriving home she called again and said I cold get just 2 cards. I told her no and that I was going to contact the FBI. When I tried contacting the number again it was ( out of service ). I contacted my bank to try to get my money back but was told that because I voluntarily sent the Zelle transfers there was nothing they could do.

Company response to consumer: Closed with explanation