vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/21 - I was chatting with Tesla regarding an existing Model 3 located in XXXX XXXX. After a few hours, a Tesla Representative XXXX XXXX called to inform me that there was an available Model 3 available at a much lower cost due to the previous damaged history located up north XXXX. I was told by the representative that I did not need to pick up the car until after the new year because of the holiday and knowing full well I was located in XXXX California. The rep followed the conversation with a text link directing me to the car, and I committed to paying the {$250.00} order fee because of the said car credit savings. 

On XX/XX/21, XXXXXXXX XXXX pst I received a welcome to the Tesla Family detailing tasks that need to be completed. At XXXX XXXX, I followed the Tesla tasks, had my insurance uploaded, had my credit run and was approved, and I paid the {$4500.00} downpayment requirements. 

On XX/XX/21, around mid XXXX XXXX pst I received a text message from a XXXX phone number that I will need to pick up this same day, XX/XX/21, or I will be unmatched to the car. The text message also added a link to model 3 at $ XXXX more as a replacement car located in XXXX XXXX, California, if I choose not to pick up the original model 3 ordered. I explained by responding to the text that there is no way for me to pick up the vehicle before their closing time as I am located in XXXX California and would not be able to drive or fly due to the timing of the request. Moreover, I explained that Tesla had not sent me the agreement to complete the final task or had given me the last date for pick up via the delivery task via Tesla App. 

On XX/XX/21, concurrent to the XXXX text exchanges, I had texted XXXX to inquire about the text messages I was receiving from XXXX and why he did not disclose that this would happen. At XXXX XXXX, XXXX reached out to me via phone after several frantic calls my wife had made to XXXX XXXX Tesla, promising that XXXX the rep would reach out. During our conversation, I explained to XXXX that if I had known, I would not have committed to purchasing the car if the car was never mine to begin with, now Im out {$250.00}, Tesla did a hard pull on my credit, and I made a {$4500.00} payment. I explained to XXXX that Tesla baits and switched me to a more expensive vehicle that I would not want. We finally ended the conversation that the car does not belong to me, and if no one gets matched to the vehicle after the new year, it is like nothing had happened. I told him that he needed to refund me my money, including the non-refundable order fee of {$250.00}. I explained that he should have disclosed this information to me before committing to the car, and now I have a credit pulled on my credit history, which would lower my credit score and out the {$250.00} order fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX  several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day. 
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXX report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXXXXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and bmw financial updated. Please see transunion for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. VW posted my payment late but I paid before the 30th day. 
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXXXXXX report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXXXXXX XXXX  account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have AMEX platinum credit card, and I added another AMEX gold card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by XXXX, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted AMEX teams, resulting in being bounced back and forth. We have talked to AMEX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have written to both XXXX, XXXX XXXX, and Equifax multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and 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 Commission 's 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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquires

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: KS

Complaint narrative:
I filed XXXX XXXX bankruptcy XX/XX/XXXX which included Avant as an unsecured creditor. The bankruptcy was discharged in XXXX of XXXX. Avant continues toncintact me by phone and email demanding payment of {$310.00} in violation of my rights under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I was the victim of fraud by a company named XXXX XXXX who misrepresented their products and failed to provide me with a receipt. XXXX refused to let me not accept shipment of their products and charged me {$4900.00} on XX/XX/21. I had contacted XXXX XXXXXXXX on XX/XX/21 and they returned the box to XXXX that had been dropped off for shipping. XXXX then proceeded to send another box for shipment. This purchase occurred at a Trade show in XXXX XXXX. In talking with the Trade Show Sponsor, XXXX, I also learned that this company had misrepresented themselves as to the products they were representing at the show. They had tole the show sponsor that they would be displaying outdoor products at their booth, not cosmetics. I contacted Citibank Creditcards and filed a dispute. Initially, Citibank reversed the charge. I also contacted my attorney about the transaction and he explained that this is a common scam and it is fraud. I wrote Citi to provide them additional information regarding the transaction. The bank decided to side with the merchant saying that the merchant would not cooperate and the charge was returned to my account in XXXX. 
I have, subsequently, had my care re-issued in order to avoid and future potential charges by this 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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All inquires

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I lost my job XX/XX/2021 due to Covid-19 i called and asked the bank to ask if i can have some kind of protection to avoid overdrafts fees as i was not able to deposit any extra funds into my account they told me there was nothing they can do for me they continued to take my child tax credit deposits to cover the overdraft on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CORELOGIC INC
State: CO

Complaint narrative:
I have XXXX XXXX credit card, and I added another XXXX XXXX card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by CREDCO, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted XXXX teams, resulting in being bounced back and forth. We have talked to XXXX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.

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 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER CONSUMER USA claim that I owe them for a car loan and they have not shown me any proof that I owe this alleged debt.They claim I owe {$12000.00}. It was was sold to XXXX XXXX XXXX XXXX who I gave a call to about this alleged debt. They told me they do not have anything in their system saying that I owe this alleged debt and I would have to contact SANTANDER CONSUMER USA. When I contact SANTANDER CONSUMER USA they claimed that I do owe the this alleged debt which is defamation of my character on my credit report. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I sent off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries be deleted 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 gotten into the wrong person hands

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: OR

Complaint narrative:
I applied and called upgrade as requested due to I have a fraud alert on my credit report. XXXX said I was verified and all was good. I verified the limit originally offered and my info as requested. XX/XX/2021 denied saying unable to verify identity??????? So I called and was told nothing I can do! No one to speak too but the rep agreed per notes I was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
when final loan modification documents were signed and notarized payment was stated as exactly XXXX per final loan modification agreement documents. 
Now payment on their website to make payment is stating my payment is XXXX which i have gotten multiple excuses from Freedom Mortgage on why everything from tech team needs to fix it. Yes you are right it's wrong to your escrow changed at the last minute ( which i have had no changes in my taxes or insurance, for that change ) and nor was I notified in any way by Freedom on changes to my escrow after signing my legal modification agreement documents - I want my payment amount corrected on the website and statements per what we agreed to in our legal binding loan document. 
thank you for your assistance, XXXX XXXX XXXX XXXX XXXX, Mi 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 2021-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have an online savings account with Marcus by Goldman Sachs. It worked fine in the past. However, starting from the first half of 2021, I consistently had problem log into my account through all of my laptops & a desktop. Every time I went to the account log-in page using those computers, Marcus showed me a blank page. There was no way for me to log in. It has been for more than 8 months that I had challenge simply logging into my account. I called them numerous times but it was never resolved. There were a lot of frustration, even anger. They told me that it might be because of the conflict of antivirus software installed on my computer. The antivirus software I use is XXXX, which is a very popular one in the market. And NO OTHER BANK had this problem. I do not feel comfortable that I have to disable my antivirus software to log into my bank account. The most recent time when I called Marcus might be in XXXX or XX/XX/2021. I requested them to escalate my complaint and solve the problem. After that, the log-in website worked once or twice. Now I have the same problem again! I can still log into through my cell phone APP. However, I dont feel comfortable to use cell phone to log into my savings account and make transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted numerous time my credit report agency and every time they would ditch me and give me an stupid excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out

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