vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
In or around XXXX to XX/XX/XXXX I turned a car in that I purchased from JD Byrider the vehicle was a XXXX XXXX XXXX. JD Byrider and CNAC charged me {$17000.00} with a 21 % APR @ that time I paid over {$6400.00} towards the loan. 
I ultimately had some issues with the vehicle that led to me doing a voluntary repossession. On XX/XX/XXXX CNAC sent me an Explanation of Calculation of Surplus or Deficiency they sold the vehicle according to this document for {$4000.00} then CNAC said that I owed them {$12000.00}. 

I then received a collection notice from XXXX XXXX a debt collector for JD Byrider and CNAC, XXXX XXXX claims that I owe {$12000.00}. 

The problem is that CNAC sold the loan to XXXX which means they no longer are the owners of the debt which means that they also made a profit of the loan and then CNAC admits that they sold the vehicle @ the auction for {$4000.00} not to mention I paid {$6400.00} into the loan which means that CNAC has received in excess of {$10000.00}. 

Since that time CNAC willing and wrongfully reported inaccurate information on my credit and they no longer own the debt and now CNAC continues to violate my rights according to U.S. Title Code 15 Section 1681.

I am demanding that CNAC cease from reporting that inaccurate information against my credit and that CNAC notifies all 3 Major Credit Agencies XXXX, XXXX, and XXXX! 

Also according to XXXX XXXX the vehicle in question was valued @ {$4500.00} so they overcharged me and the vehicle was also on the recall list and that wasnt disclosed to me @ the time i purchased the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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 went to pay my monthly bill last month XX/XX/2024. ( the bill included the annual fee which I was unable to pay the month prior because I had not received my physical card which you need to unlock your account ). I went in the mobile website on my phone. When I went to pay I entered all my information as usual. There is a prompt that says do not refresh. After submitting the payment my screen didnt display the full webpage. I didnt refresh the page because I didn't want to get double charged. I went about paying all of my other bills as I dont normally see the withdrawal from XXXXXXXX XXXX post for 2-3 days. In that time I figured that my bill was paid and that the websites issues had been resolved. 30 days later I receive a late payment delinquency on my credit report from XXXX XXXX despite my payment attempt. The account has a XXXX balance and nothing is owed. Its insane that my score was dropped due to XXXX XXXX technical issues. I made the payment on time their website was just having technical issues. I need for them to fix their mistake.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
LATE PAYMENT LETTER Your Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans Union To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 

LIST OF ACCOUNTS WITH LATE PAYMENTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make paymentsA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please re investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed. 
I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX Following up. Company responded and marked case as closed. HOWEVER The documentation provided by regulatory compliance officer assigned to this case only serves to strengthen ( confirm? ) my suspicion that there exists duplicate accounts. There is an inflection in interest charge calculations.

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 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH services my mortgage, and they are in charge of my escrow. They failed to pay my insurance by making XXXX stop payments on their checks to FEMA. I discovered I had no flood insurance as Hurricane Sally was heading into the XXXX XXXX XXXX. FEMA had canceled me. I had no choice since FEMA requires a XXXX hold to get flood through private flood since there was no waiting period, and now my payment has gone up over XXXX. This was not my fault and not in my control. I'm sending this information to the insurance board along with the governor and every Florida house representative. I should not be penalized for the complete negligence of my mortgage 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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I applied online credit card for Milestone through XXXX XXXX XXXX  but it got declined. But later they sent me a new credit card for {$300.00} without my knowledge and charged me XXXX yearly fees I called them and told them why are you charging yearly fees {$75.00} for just {$300.00} credit card they told me to cancel it. I told them fine as I have not applied for {$300.00} credit card so please cancel it. But later due to there mistake now my credit score has come down and finding it difficult to apply for car loan with low interest. As I request you to do the needful since it is not my mistake and without my knowledge they had sent me the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank concerning their lack of action in reopening an investigation regarding a chargeback. Despite repeated attempts on my part to resolve the matter, Synchrony Bank has neither reopened the investigation nor attempted to reach out to me for further clarification. 

Details of the Incident : Transaction Information : Date of Transaction : XX/XX/year> Transaction Amount : {$750.00} Merchant : Amazon Issue Overview : I initiated a chargeback with Synchrony Bank after returning items in the amount of {$110.00} and {$89.00} which where XXXX XXXX  to Amazon. Despite providing all necessary documentation and proof of return, Synchrony Bank has failed to conduct a proper investigation into the chargeback.

I have made multiple attempts to contact Synchrony Bank through their customer service channels, but I have not received any meaningful response or assistance.

Given the seriousness of this matter and its implications for consumer rights and financial well-being, I urge you to intervene on my behalf. I seek your assistance in ensuring that Synchrony Bank reopens the investigation promptly and conducts a thorough review of the chargeback. 

A complaint was submitted in XXXX which the company closed with no resolution. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts to uphold consumer protections.

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 monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have a bad report on my credit from XXXX XXXX XXXX ( Florida ), which Capio Partners LLC took over. This medical XXXX was from XXXX years ago and which the hospital has still to this day never sent me a bill. I had full insurance at XXXX with a XXXX XXXX  deductible with XXXX that was never billed. This was not filed timely with the hospital and I am just now receiving my XXXX  bill after XXXX  years and it is already in collects for a bill I do not owe because I was fully Covered. When you speak with Capio they will not give you any information from orginal creditor they just want to collect the money and will not assist in trying to get them to rebill insurance, which they can not after this long of time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this identity theft report in response to the derogatory remarks that ELAN FINANCIAL SERVICE and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with ELAN FINANCIAL SERVICE. However, ELAN FINANCIAL SERVICE is reporting a fraudulent account to the credit reporting agencies with a balance of {$720.00}. Immediately after I noticed this account, I contacted ELAN FINANCIAL SERVICE. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that ELAN FINANCIAL SERVICE can remove the fraudulent and derogatory remarks they report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I called and requested information on how that account belongs to me. I have yet to recieve any documents from the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX I paid a merchant {$3000.00} to complete contract work/purchase supplies. This was a partial payment. 
In late XXXX ( XXXX at some point ) I had concerns about the merchant not completing work/not sending me updated invoices. The original invoices had charges for things I had purchased myself. I contacted Citi to confirm the timeframe I had to file a dispute. I was told 180 days. As a result of this, I made the decision to give the merchant until end of XXXX to rectify the issue. The merchant refused to respond to me. 
In early XXXX I called to dispute the transaction and was told to mail a letter. I did this, including the invoices, text message conversations confirming my side of the story, and confirming the merchant would not respond. 
In XXXX my dispute was denied. I called on XX/XX/XXXX to ask why. I was told my dispute was pending, but after challenging this the colleague admitted the dispute was denied. The dispute was refiled, with the colleague stating they agreed I had provided ample evidence. 
On XX/XX/XXXX my dispute was denied again. I called and was told that the timeframe for a chargeback had passed. I explained that I had called last year to confirm my timeframe for a dispute and had been told 180 days. The colleague said she couldn't speak for what a representative had said before and that there was nothing they could do to issue a chargeback for a refund despite clear evidence of being incorrectly charged.

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 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX Following up. Company responded and marked case as closed. HOWEVER The documentation provided by regulatory compliance officer assigned to this case only serves to strengthen ( confirm? ) my suspicion that there exists duplicate accounts. There is an inflection in interest charge calculations.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
They are report late payment when I have provided proof that I was never late wit my child support it shows I only have 63 percent payment made on time when it should be 100 percent payment made on time the account is TENNESSEE DEPT. OF H

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Comerica
State: GA

Complaint narrative:
I am XXXX and bank with direct express, my XXXX deposits go on that card, in XXXX XXXX i ordered a new card because there was fraud and someone had locked me out of and hacked my online banking, when i got the new card the company helped me get my online banking back but when i got into the account online aproximately XXXX of my winnings from my XXXX case had been stolen, the company denied and knowledge responsibility or help, in XXXX XXXX for fraud again, they credited me XXXX for the fraud after an investigation, then the bank stole it back from me and wiped my card into the negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased a Chain back crop tee in black from XXXX XXXX Company website on XX/XX/2023. I went to XXXX XXXX store to see if my top was delivered and ready for pickup. The XXXX XXXX associate stated no. This was a free store pickup, I requested. I again visited XXXX XXXX store to pick up my top. The XXXX XXXX associates inquired the order information. I provided the details of the order and still my tee wasnt there. I then messaged XXXX  XXXX Customer Service, about my tee not being delivered at the physical store. XXXX XXXX  Customer Service informed me that the item was delivered. I never received nor got any updates on my email alerts and messages. XXXX XXXX Company lied to me, about my tee being delivered to the store and it wasnt there. This is XXXX XXXXXXXX error on their part and I shouldnt be responsible to pay for a merchandise I didnt receive at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: SUN LOAN COMPANY INC.
State: GA

Complaint narrative:
I called and requested information on how that account belongs to me. I have yet to recieve any documents from the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My taxes and insurance are paid by escrow through my mortgage company, Wells Fargo. On XX/XX/XXXX, Wells Fargo sent payment to the wrong company and my insurance was never paid. I was notified by receipt of Notice of Cancellation from the insurance company for nonpayment. Upon researching I learned that WF sent the check to the agency, rather than the insurance company, despite the account being set up as " direct bill '' rather than " agency bill ''. The agency sent Wells Fargo a refund on XX/XX/XXXX ; however, my homeowner insurance was scheduled to be cancelled on XX/XX/XXXX. Adding to the complication, Wells sold the mortgage to XXXX XXXX, effective XX/XX/XXXX. 

In attempt to avoid cancellation of my insurance, on XX/XX/XXXX Wells Fargo informed me that they would send an overnight payment to the insurance company. Because I trust but always verify, I called the insurance company on XX/XX/XXXX to see if the payment was made. It was not!! I followed up with Wells and was told that Wells declined to send the payment because my mortgage was scheduled to transfer to XXXX XXXX. That transfer has no bearing on the fact that Wells never paid my insurance company, yet collected money in escrow. My insurance policy will be cancelled and Wells suggested that I pay the insurance company directly to avoid cancellation. That is not an option. I don't have an extra {$3500.00} to accommodate for Wells Fargo 's mistake. Wells never even called to inform me that they were not making the payment. 

Rather than take accountability, Wells wants to pass this issue off to the new mortgage servicer, even though the agency refunded amount is coming back to them at Wells Fargo. In jeopardy of cancellation, if anything were to happen to my home I'm in danger of losing everything if uninsured.

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