vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: American Credit Acceptance, LLC
State: VA

Complaint narrative:
In XXXX of 2022 I refinanced with XXXX XXXX  from American Credit Acceptance. XXXX XXXX then contacted me to get the status of the title which they have still not received. My rate has now went from secured to unsecured. ACA said they did not receive the money from the check which they have stamped. I have been back and forth with them since XXXX of 2022 to get the account fixed. I have talked to many agents explaining the situation and provided the paperwork needed. On XX/XX/XXXX my car was repossessed by ACA. I was in contact with them to understand the repossession. They then explained that they have the money and it was put to a different account. They said the repossession will be put on hold while they start an investigation. They did not put enough effort into fixing this issue even with the many different people I talked to. Please help me my credit has been affected and now there is a repossession on my credit.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The FCRA states that if an investigation is not concluded before 30 days, then the items in dispute must be deleted. XXXX investigation took longer than 30 days. The items have still not been deleted. This is willful noncompliance. 

Transunion received my dispute on XX/XX/23. Investigation did not conclude until XX/XX/23. 

I have been unable to get access to an emergency loan or credit after being hit by a car on XXXX XXXX due to this willful noncompliance. In accordance with 15 USC 1681i ( a ) ( 1 ) ( A ) I demand that the following be *immediately* deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX  US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXXXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT. OF EDUCATION 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 2023-04-17 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: Grain Technology, Inc.
State: CT

Complaint narrative:
I have been a grain technology customer for two years and have never had an issue. My account was always on autopay and then my account was disconnected from Grain without notice and I logged into make a manual payment in XXXX of 2023. In XXXX or 2023 I received an email stating that my payment due was XXXX cents ( meaning no payment due ). I didnt make a payment because it said I didnt need to make one, I turned on autopay again and then once again it disconnected. I messaged customer service on XX/XX/XXXX when I realized my payment didnt go through and that my account wasnt updated again. I received a 1 day late payment notification that same day as well, once customer service assisted me on XX/XX/XXXX I logged in and made double the payment. I just got notification that grain has reported my account as 30 days late with a payment being late in XXXX. I attempted to reach out to customer service to make the payment once I realized my account disconnected again and didnt update properly. I am not sure how I am being reported as 30 days late in XXXX when just two weeks ago I received a one day late notification. Grain is having multiple issues with account information, many users are having the same issue as me and have wrote all over social media and XXXX. I reached out to grain and they didnt even acknowledge my email about having my late payment removed from my credit report. Their customer service is very slow and there is no way to contact anyone on a phone. My husband and I are about to lose a mortgage on a house we are buying due to grain and their inaccuracy with their emails, issues with bank account connection information on their app and lack of customer service. Also, when I initially signed up for grain my credit agreement said there would be no annual fee, now all of a sudden they charged a {$65.00} annual fee to customers without warning, which seems to be a breach of the contract and agreement terms I originally entered. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dispute submitted to Equifax in XXXX of XXXX  and yet dispute shows under investigation and unable to resubmit dispute on bureau website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXX, and XXXX XXXX XXXX XXXX XXXX, acct # 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 or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : 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 2023-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Since XXXX  in XXXX, despite representing that Navient would help find the best repayment options me, Navient steered me into costly long-term forbearances instead of counseling me about the benefits of more affordable income-driven repayment plans. I was also a victim of predatory lending from XXXX XXXX. Interest that accrued because of Navients forbearance steering practices was added to my loan balances, Doubling the total amount due from XXXX to XXXX, pushing me further in debt. Had the company instead provided me with the help it promised, income-driven repayment plans could have potentially reduced my payments to as low as {$0.00} per month, provided interest subsidies, and/or helped attain forgiveness of any remaining balance after 20-25 years of qualifying payments. It's been 15 years and there is no dent in my student loans what so ever. 
In addition, XXXX XXXX, now Navient made predatory subprime loans to me and other students attending for-profit schools and colleges with low graduation rates even though it knew that borrowers would be unable to repay the loans. Navient made these risky private loans as an inducement to get schools and colleges to use Navient as a preferred lender for highly profitable federal loans. I was a victim and now I am forever in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NJ

Complaint narrative:
I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :

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 2023-04-17 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: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXXXXXX XXXX there was provisional adjustment made on my checking account that had the original transaction date from XX/XX/ to the amount was for XXXX this was not authorized. It was done at a XXXX in XXXX Ohio my bank said it made several investigations to which they said it was a legitimate claim, I called XXXX an got in contact with their department that handles these transactions. They can not find any record of this transaction whatsoever. I have submitted at least 4 claims to the fraud department at my bank, to which they keep saying it is a legitimate transaction, but XXXX has no record of this transaction the person who is from XXXXXXXX from the credit customer service department is XXXX XXXX her phone number is XXXX. She can not find any record of this transaction. EMail XXXX I have been trying to resolve this with the bank and XXXX since XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I made previous complaints to Midland Credit Management , IncXXXX to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never provided my wet signature proving I have done business with them. I'm demanding they send me the forward flow agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Never applied for Target credit card. I was told that it was applied in my name. Somehow this person have my address, birthday, ssn and even my license info. But I never received this card. I called and was told to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Lease
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: VW Credit
State: NJ

Complaint narrative:
on XX/XX/XXXX I purchased a XXXX XXXX XXXX VIN number XXXX. 
The car apparently was a VW Lease return turn in. Car was Purchased from XXXX XXXX XXXX XXXX, XXXX New Jersey XXXX. 
The Purchase Price was {$24000.00} which was paid in full by myself. 

I was told registration and the Title would be sent to me within 30 days. 

It is now XXXX XXXX and I have not received title or plates and registration. I can not drive the car without title or registration. 

I have been told by XXXX XXXX that it is not their problem but is the problem of XXXX VW Credit Inc, XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX says title is still listed to prior owner and XXXX needs to contact them. Which they refuse to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: NJ

Complaint narrative:
I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NJ

Complaint narrative:
I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letters to both The Bureaus Inc and XXXX XXXX XXXX XXXX with no response from XXXX XXXX XXXX XXXX regarding this very important matter. This is effecting my credit score and how I provide for me and family. I feel like in this moment I am be taking advantage of and my concerns are being reduced to something of no importance because my disputes are being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file for litigation due to the stress this has caused me and my family. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I believe XXXX cents where fraudulent add it to my balance by Shell Point Mortgage Servicing. during a loan modification date XX/XX/XXXX. 
After questioning I received a letter from Shell Point Mortgage Servicing data XX/XX/XXXX XXXX does not explain the reason why this amount was added or where it came from I have asked Shellppoint to please explain, but shellppoint is trying to put it under the carpet. 

almost dual tracking : important : ShellPoint Mortgage Servicing the most recent letters I received dated XX/XX/XXXX stating that due to the complex nature of the matter Shell points respectfully requesting additional time to respond fully to my inquiry in regards to the money that it was added to my account. 

another letter XX/XX/XXXX estating that I have sent documentation for a long modification to lost mitigation, which is false I have not recently sent documents I have been a very cleared with shell Point Mortgage Servicing that before curing late payments we need to correct all errors that I have been trying tocorrect since XXXX including payments that I have not been posted to my account, Obviously this {$23000.00} that was added to my balance and I have been paying interest since the modification on XX/XX/XXXX, This complaint is to insure Shellpoint dont ignore the fact that we need to correct the balance I owe on this account. 

please wait for second part.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I received a notification today XX/XX/17 from XXXX Credit Alert that my credit store had taken a big hit. Upon further investigation I found that a company called Credence Resource Management had put me in for collection for an amount of {$1300.00} with XXXX. I do not have and never have had an account with XXXX and this is complete fraud. I find this very interesting since this is the exact same issue, amount and vendor that I had last year while being pursued by XXXX XXXX which was later resolved. If you check my records you can see the complaint I filed on this also. 
This is just another scam and it would not surprise me if both these companies/ XXXX XXXX XXXX are in collusion to commit fraud on as many unsuspecting individuals as they can. So far this is only showing up on XXXX, not XXXX or XXXX I need this resolved asap and hopefully you will take the appropriate action against these scammers Credence

Company response to consumer: Closed with non-monetary relief