vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
" Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX of issues resolved prior which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility of damages. Payments came out of pocket for repairs resulting in delays, Bridgecrest notified by phone day of occurrence as well as follow XXXX  after response from toe company

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 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Portfolio Recovery has called two to three times a week attempting to collect a credit card debt from 2016 that is past the statue of limitations in Maine. They keep harassing me over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I hereby dispute the accuracy of the account information on my Wells Fargo Auto Finance closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through Wells Fargo Auto Finance. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through Wells Fargo Auto Finance to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that Wells Fargo Auto Finance thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hereby dispute the accuracy of the account information on my XXXX XXXX XXXX XXXX closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through XXXX XXXX XXXX XXXX. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through XXXX XXXX XXXX XXXX to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that XXXX XXXX XXXX XXXX thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There was a check that was sent to my account with my knowledge. I was a fluent chase member I will Gladly do what's necessary to fix this matter. This has happened on two banking account to my knowledge I have a honest job so I wouldn't deposit fake checks into my account. My girlfriend got a check in the mail with her name on it nd her address after I tried to help her chase it they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Guild Holdings Company
State: MO

Complaint narrative:
I make additional Principal Payment every month. My mortgage balance is now below 78 % of the original appraised value which was {$160000.00}. I was told over the phone that PMI must continue until 15 years of the 30 year loan. I tried to explain that I have paid additional money towards Principal, etc. The person I was speaking to was adamant. So I mailed Guild Mortgage a letter dated XX/XX/XXXX ( see attachment ). I also attach Guild Mortgage dated XXXX XXXX XXXX saying I would have to pay {$190.00} to them for an additional Broker 's Price Opinion ( BPO ). I also attach Guild Mortgage " Annual Private Mortgage Insurance Disclosure dated XXXX XXXX XXXX wherein under Automatic Termination of PMI " to reach 78 % of the Original Value '', which it was as of XX/XX/XXXX payment being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I am a victim of identity theft and did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
The company claimed, in a response to complaint ID XXXX  on XXXX that it was sending a card and to-date no such card has ever arrived. The company 's response claimed that the card would be issued and should arrive within 7 - 10 business days. It's now been 26 business days.

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 2023-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX credit card/XXXX have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX credit card/XXXX have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX credit card/XXXX have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.

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 2023-09-07 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX reported a medical bill on my credit for treatment that was a result of a XXXX XXXX relating to my son. The case is still pending. It has not been settled. My son is currently represented by an attorney and this should have never been reporting on my credit. My attorney reached out and provided the proper documentation to XXXX, they were to remove the collection item. However, they chose to re-report it again on XX/XX/2023. I placed a dispute with Experian and they validated the debt as of XX/XX/2023. Even though I provided the written documentation that it was to be removed as I have legal representation. I called Experian and XXXX daily to get no result other than XXXX saying they arent reporting it and Experian saying they are.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This second time filing a complaint with XXXX and Experian about the account XXXX on my account. I have filed FTC and Police Report I spoke to representative on yesterday, with XXXX told me that had information, but their not going to do anything. This NOT RIGHT and CFPB is not helping too much either.

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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I applied for a forbearance with Cardinal Mortgage and was advised it was approved from XXXX XXXX. I came back and asked to extend the forbearance and was advised it was extended until XX/XX/XXXX. The calls are recorded and the Loss Mitigation Dept stated payment would resume on XX/XX/XXXX. Today, Cardinal reported my account as more than 90 days delinquent. This is wrong because I was in an approved deferment from XX/XX/XXXX - XX/XX/XXXX. The calls are recorded. None of the time the loan was in forbearance were the payments reported delinquent but all of sudden today, XX/XX/2023 they reported me as late dropping my score by over 90 days. I have perfect payment history. I called Cardinal And they just keep transferring me to inept agents who Do not know their job. I asked how to request FOIA to obtain all my record from them and the agent didnt know what I was talking about. I will be filing a XXXX  complaint as well. The loss mitigation dept at this company is terrible. The agents are ignorant and do not know how to properly service consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: MoneyLion Inc.
State: FL

Complaint narrative:
MONEYLION INC is in clear violation of the law, under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not given this person any written instruction to furnish this information on my report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This agency is in violation of 15 USC 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pay annual fees to XXXX to keep my credit card open. 
XXXX states that I requested to close that account. I have never requested to close this account. Everything about this account remains open on the XXXX app. Moreover, I still use the card and I still paid annual fees without interruption, and promptly, to XXXX. There is no reason why this account should indicate closed. 
XXXX confirmed this mistake on their end and I requested that they update the Credit Bureaus. They have not updated the credit bureaus, which still indicates a closed account for them -- but no other 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This second time filing a complaint with Transunion and XXXX about the account XXXX on my account. I have filed FTC and Police Report I spoke to representative on yesterday, with Transunion told me that had information, but their not going to do anything. This NOT RIGHT and CFPB is not helping too much either.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loan debt was transferred from Great Lakes to Nelnet. Since XXXX, I have been attempting to resolve an issue with a payment that was received by Nelnet but not posted to my account. 

On XX/XX/2023, a payment was sent to my account in the amount of XXXX. This payment is paid on my behalf from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my contract with the XXXX XXXX XXXX, I am required to submit proof that each payment has been received by my loan servicer. However, Nelnet has not posted this payment. 

I recently spoke to a customer service representative who informed me that Nelnet was in possession of the payment since the merger with Great Lakes. The representative further notified me that they are aware of the fact that my payment, along with other customers ' payments, have not been posted. 

Nelnet 's failure to post this payment constitutes business malpractice and has resulted in two concrete consequences that negatively affect me : 1. ) I have been charged interest on my loans that would not have been charged if Nelnet had properly posted the payment upon receipt. 

2. ) I am out of compliance with the XXXX XXXX XXXX, which could jeopardize my opportunities in future government contracts that are important for my career. Further, the remaining payments from the XXXX XXXX XXXX can not be released, further increasing the interest that Nelnet will collect. 

Nelnet 's failure to post payments also affects other customers. Any interest accrued on these accounts due to unposted payments should be immediately returned to customers.

Company response to consumer: Closed with explanation