vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Thats are 17 hard inquiries on my credit report that I have disputed with all credit bureaus thats still are being seen on my report. I reported that these inquiries were made fraudulently.

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 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
The mortgage company that purchased my loan from the bank from whom I originally obtained the loan has notified me that they are raising my payment by {$220.00} per month. They have stated that this is because either my taxes or insurance have increased. My insurance has gone up by {$4.00} total for the year. I have forwarded my tax bill for {$990.00} to them and repeatedly asked them to explain how {$220.00} times 12 months is the equivalent of this increase. No one can answer my question. No one will return my phone calls. No one will agree to look into this matter. I believe that there is a possibility that they are attempting to charge me taxes for the entire property, however the house was split in two halves when it was sold and I only purchased one half of the home. My mortgage is a fixed rate and while I realize that there is the possibility of yearly increases, as well as decreases, per changes in taxes/insurance the idea of an increase of this size makes no sense. I have tried to explain that I am unable to cover that much of an increase and NEED them to look into it to no avail. The most they would do was spread the extra payments over 24 months instead of 12 but that is still an exorbitant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
This truck I purchased this truck from XXXX XXXX through credit acceptance it had horrible significant damages prior and that never discussed about when I clearly asked about trucks car fax and any prior damages or work done. I cash put down technically is way more than the value of the truck. They truck is dangerously possibly unfixable. They sold me the truck with an extravagantly large crack along the entire frame. The crack was covered by paint and covered by a half done fast weld. This truck could have hurt me and my family significantly. Should have never been sold

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC
State: TX

Complaint narrative:
The debt collector keeps calling me after I told them multiple times to stop. And they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Beginning in 2020, during the height of the pandemic, Citibank has repeatedly decreased my card limit on my three credit cards I currently have active with the company. One card 's limit was reduced more than 40 %, thus drastically affecting my credit score due to my credit utilization rate increasing. Shortly afterwards, my two remaining card 's limit were also reduced and the reasoning was due to my credit score ( which only dropped because of the credit limit decrease of the first card ). I've experienced limit changes more than 5 times in two years. I recently requested a payment extension due to a loss of income and hardship and was told Citibank does not offer any type of payment arrangements or deferments whatsoever.

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 2023-03-24 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: FL

Complaint narrative:
Under new rules for reporting medical collections. Any amount under XXXX dollars should be removed from my credit reports. I called Experian and they verified they understood the new rules. I have a medical collection on my report that is under XXXX dollars and I disputed it with them. The results came back as updated while the item remained on my credit report. Since the government 's new rules have taken effect as of 2023 this item should rightfully be removed from 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 2023-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Crossroads Systems Inc.
State: FL

Complaint narrative:
I found out there was a ppp loan in my name for XXXX dollars. I never received the money nor was I informed about that money. I found out about that information when I searched my name on google. 
Approximately in XX/XX/2021, I filled out the form to obtain a ppp loan at XXXX and it was XXXX XXXX XXXX who issued the money, according to what I saw on XXXX. 
Recently, I have sent various emails and I have also called both companies, but they do not answer messages or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
About a month ago, I stated receiving letters from Shellpoint ( a division of Newrez ). The letters stated I needed to provide them proof of my flood and hazard insurance through the condo Homeowners Association. They stated if I fail to provide proof of these insurances, they would be forced to buy coverage on my behalf. I have tried for two consecutive weeks to get Shellpoint this information. I have called two different representatives and had them talk me through the process. Before hanging up, both representatives stated everything looks good and that all requirements have been satisfied. Yet, I keep receiving letters saying I need proof of insurance. The last person I spoke with was on XX/XX/XXXX. That individual has an email address of XXXX This lady assured me I had sent her all necessary documentation and that I would not be billed for additional insurance provided by Shellpoint. However, the letters keep coming as if these conversations never occurred. I should not be double billed for homeowners insurance because of Shellpoints ' incompetence. Please help me resolve this issue with Shellpoint so that I am not double billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was overdrawn by a fraudulent merchant, I advised and alerted chase. Upon review and escalation of the overdrawn funds, chase asked me to deposit funds to make it to event. I then said I can not deposit funds due to it being fraudulently taken out my a merchant. Chase then closed my account in the midst of the investigation and stressed me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Thats are 17 hard inquiries on my credit report that I have disputed with all credit bureaus thats still are being seen on my report. I reported that these inquiries were made fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Thats are 17 hard inquiries on my credit report that I have disputed with all credit bureaus thats still are being seen on my report. I reported that these inquiries were made fraudulently.

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 2023-03-24 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: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).

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 2023-03-24 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).

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 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
I got the bill from RMP <LLc for XXXX what should i paid since I have the bill always paid by online by XXXX XXXX I have XXXX XXXX and medical... I don't undertand the bill since XXXX XXXX XXXX # XXXX and I change to XXXX # XXXX Since I don't known what the bill for and send me the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Same complaint as # XXXX Comenity Bank has yet to actually resolve this case. 

XXXX Bank sold my credit card account to Comenity BAnk in XX/XX/XXXX. I made a payment of {$920.00} to XXXX on XX/XX/XXXX. That amount was trasnferred to Comenity per XXXX and Comenity claims to have credited to an account in the name of XXXX XXXX account number ending in XXXX. That is not me, I do not know who that person is and I would like my money refunded immediately. I have provided everything in writing to Comenity bank multiple times as well as to XXXX Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
This account has been placed on my credit report and I have no knowledge of it Ive reached out to the agency for validation and they have yet to validate this account with my wet signature Im asking for it to be removed from my credit report being that it is showing negative account thats closed 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 explanation
Consumer complaint received 2023-03-24 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: TAYLOR MORRISON HOME FUNDING, INC.
State: TX

Complaint narrative:
Even though I had applied for the loan more than an year back as Taylor Morrison builder required all its customers to apply for a loan and get pre-approval to sign any house contract with them. I never intended to take any loan from them. I then have withdrawn my permission that I gave them on XX/XX/2022 in an email asking them to never again pull my credit without my consent. That email was XXXX and XXXX. I even git acknowledgement from them. But suddenly out of no where, they pulled a hard inquiry on my credit history without my consent. I never intended to take loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was trying to sell my guitar through XXXX XXXX XXXX on XX/XX/2023 for {$470.00} when I was contacted by a scammer who made an offer to purchase my guitar. They asked me for my Zelle pay information, which I provided and received what looked like a Zelle email stating that the money in the amount of {$870.00} was sent to my account, but couldnt be disbursed because the amount was too large. It asked me to send {$400.00} back so that Zelle couldnt disburse the proper amount into my account. After realizing Id been scammed I immediately contacted my bank which is XXXX and they opened a claim for the scam. On XX/XX/2023 XXXX informed me that Zelle had closed the claim and denied their request for a courtesy refund. Neither Zelle, nor XXXX asked for evidence of the e-mails I received from my scammer or the messages leading up to the scam, despite being told by a specialist that XXXX would provide me with a temporary credit while the investigation was being conducted ( which was received ), as well as being advised to keep screenshots of the exchange with the scammer, because they might be used for the investigation. Neither XXXX, nor Zelle knows how to protect their customers, not how to reimburse them when money is lost due to a lack of security measures which have made these scams such a common occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: IL

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I received a notification that there was an inquiry on my TransUnion made on XX/XX/2023. I checked the notification and it was for a XXXX XXXX XXXX XXXX account from XXXX XXXX XXXX. I received an email with further information despite not having signed up for any such account whatsoever.

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 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to : XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I was not allowed to see any of the cars except the car that was sold to me, a XXXX XXXX XXXX. I had requested buying a car that the payment would be under $ XXXXmonthly because I am on a fixed income. I was told that I could afford that car which was $ XXXXmonthly and that was the car they sold to me. The finance person, XXXX XXXX, became angry when I asked how much the finance charge would be. and the payments. He didn't want to be interrupted while having me sign the paperwork. Two days later I tried to return the car because of the high monthly payment, the high interest rate, and the car started having mechanical problems the 2nd day I had the car. The manager, XXXX XXXX ( XXXX ) told me I could not return the car 2 days after buying it, because it was a binding contract. I had gone to an outside XXXX  certified mechanic shop on day 3 when the steering wheel started shaking and vibrating on day 2 of ownership. I paid {$60.00} for a diagnostic test and XXXX  XXXX gave me an immediate list of things needing repairs and totaling {$3100.00}. XXXX XXXX said I bought the car as is and said " She wasn't going to step on the toes of her mechanics '' who gave their clean bill of record on the mechanics of the car. I found out later that they have a 30 day policy to fix needed repairs during the 1st 30 days of ownership. They hid this information from me. The only thing on the list that they repaired was grinding down or resurfacing the brake rotors. 
I just found out last week in XXXX, XXXX, one year later, that the first 2 years of payments go 100 % to interest, nothing to principal. So, I paid them approximately {$6000.00} in interest this past year on a finance of $ XXXX.If I pay them another year, I will have paid them {$12000.00} in interest on a XXXX finance. That's almost 100 % profit for them in 2 years, not to mention, the existing remaining 42 payments.I found this out when I went back to hopefully sell the car back to them last week. When I went in to discuss them buying back the car, they devalued the car from over {$15000.00} a year ago, to {$7500.00} this year, XX/XX/XXXX. I told them the XXXX value was either over valued last year when I bought the car, or the current XXXX value was way under value. The subject was changed and I left without selling the car back.

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 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XX/XX/2023 .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said XXXX was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XX/XX/2023 I got a taped call asking me to press on .Another firm named XXXX called again representing XXXX Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe XXXX any money This is harassment or a scam

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 2023-03-27 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: TX

Complaint narrative:
I submitted A dispute to both experian and XXXX for removal of all five of the student loan accounts from XXXXXXXX XXXX XXXX XXXX as all five loans have been discharged and I was advised all accounts would be removed from all three credit files. I submitted A copy of the letter to each credit bureau and experian refused to remove these five accounts. I have attached the letter with this complaint for review to insure these student loan accounts are successful removed from my credit file.

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