vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XXXX the car I purchased from this company 1 year ago began having mechanical problems. I took it to a repair shop and attempted to use the extended warranty to cover the repairs. The warranty company denied coverage so I was now liable for almost $ XXXX of repairs. About two weeks before my XXXX payment was due I reached out to Bridgecrest to ask that XXXX payment be moved to the end of my loan due to the exorbitant amount the repairs were costing me. I also had to push back several other bills to try and get this paid. Bridgecrest initially told me to borrow the money from a family member. After requesting a Sup I was told I would HAVE to wait until the payment was late before I could request this. So XX/XX/XXXX, 1 day after due date, I called in to submit the request. Two days later I called to check the status of said request and was told it was denied. No reason given as to why but the rep proceeded to tell me once again to borrow it from my spouse or a family member. If it was that easy I would have and Im not married so to assume and/or say this type of stuff is problematic at best. Once again I spoke to a sup who then had me resubmit the request. Today I called to check the status and once again told it was denied. This time the rep told me they would never approve that request especially since Im not 20-30 days delinquent. Then she offered a payment plan for me to pay almost {$200.00} additional per month for the rest of the year to catch up that payment. Ive already advised them that paying extra to catch it up is not feasible due to the significant amount I had to pay to even get it fixed. Bridgecrest is not only unwilling to approve this simple request so that I can continue my on time payment history with them with the upcoming XXXX payment but they are basically forcing me to be late and rack up late fees as well as negative marks on my credit report. Thats not right when Im already trying to get back on track after my divorce and bankruptcy. I pay this high interest car note because of that. Im trying to make sure my payment history stays good so I can continue to rebuild my credit after bankruptcy not have it messed up again.

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 2023-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Incorrect information 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 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Have a mortgage thru Specialized Loan Servicing. I had a bankruptcy case discharged in XXXX of XXXX. I had noticed this account was not reporting to any of the credit bureaus. I researched information as well as contacted SLS and credit bureaus as well as the bankruptcy attorney to get information relating to and determined that the account should be reported by SLS to all credit agencies. I have had calls to SLS and certified mailings to them as well as electronic dispute requests and certified mail to all XXXX credit bureaus. It was to have been resolved. I now see it only showing on one credit bureau and that info is inaccurate and limited with last updated XX/XX/XXXX. Also shows a late pay in XX/XX/XXXX inaccurate

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 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Sunday XX/XX/2023 I was at home on my phone and I got a notification that I send mine to a person I never sent mon to from cash app. I did not loose my phone I have my phone with me and no on has access to my phone. I dispute my charges. Cash app came back with 24 hours and said they investigated and I mad those transactions. This is beyond sad and pathetic I am sure cash app has insurance in their customer when FRAUD happen. They have been on TV about some has hack cash app. They didnt even check my history to see if I had sent money to these people before. They went by they on and never contact be to asked any questions. This has to stop this is not how you treat customers. They dont got help when you call its they same answer over and o er and they will hang up on you while talking. This has to be reported!!!!!! they need to be investigated on!!! That is why I dont used cash app they do not secure their customer!!!!!!! All they do is take money from people, and do not help at all!!!!! I want back the money j had left on my cash app. The above I did not do. 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 They keep denying the claim stating that I didnt tear transaction, and send the same email over and over and over again. They do not send no reason. They need to be investigated on. This should not be allowed to consumer. They need to be close down!!!! They say the same thing over and over and over. This is not right. This is a serious matter and should not be allowed to happen to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. Capital one has been refusing to give me access to my funds. I got a direct deposit from XXXX XXXX XXXX ( XXXX payer group ) in the amount of {$32000.00} on the XXXX of XX/XX/2023. The deposit was as a result to what IRS owed me and refunded. I went to the bank the next day and I was told theres a block on my account and I cant access my funds for now. I was so disappointed then I proceeded to ask the lady whats the actual cause of the restriction on my account, then she said its because of a previous check I deposited in the amount of {$5000.00}. I told her, I didnt take a dime out of that money and I was the one who requested for a stop payment on the check. So, I told her I want a check for the good funds in my account which is my tax refund from IRS but she said I cant access my account. I went there another time with my tax documents, hoping to show them the documents in order to access my money but she refused. Meanwhile, before I went to the bank the third time, I talked to the account activity department on ( XXXX ) XXXX and the lady who talked to me, told me to go into the branch and I will be given access to the good funds from IRS but unfortunately upon getting to the bank. The branch ambassador which is XXXX ( XXXX ) XXXX and her contact numbers are ; XXXX, XXXX refuse to give me a check for the good funds despite the fact that the other supervisor said I should go in there to get it. Well, Im suspecting a foul play and I think capital one is just trying to steal from me or maybe its the branch ambassador but then, please and please I need MY MONEY. Im starving and broke, help me please! I want access to good funds that came from the XXXX payer group please. Im begging!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Money was fraudulently withdrawn from my son and my account true some app. We call the fraud department and they took all information and reimbursed the money originally. They make us close the account and reopen new one. XXXX months later they send me paperwork and withdraw the money from my personal account. They said that they investigated and they decided that money was owed to this people. My son doesnt use that app at all and doesnt know any of this people. We have been working with Bank of America for XXXX  years. Have many accounts there even business. And also his girlfriend had money withdrawn from her business account XXXX. Thank you

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 2023-07-20 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have my homeowners insurance escrowed for payment. I received another bill from my homeowners insurance company that it still had not been paid. I called the insurance agency and they informed me that i currently do NOT have insurance due to NON payment. After 3 hours trying to get someone to either answer the phone or figure out what is going on, I finally got ahold of someone at MR. Cooper who now tells me the payment went out today!! 

This is unacceptable and I see they have been sued in other states for the same thing. What if something catastrophic happened? Because they didn't pay the insurance i would have not been covered but still made responsible to pay my mortgage. 

Something needs to be done about them not paying peoples taxes and insurances. They are taking our money and not doing what they are legally bound to do according to our mortgage agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA
State: CO

Complaint narrative:
Received an email regarding Adverse Action from Lending USA regarding a debt consolidation loan application that I did not submit. When contacting Lending USA to report potential ID theft or fraud, non-English speaking representatives would do nothing but refer me to the FTC. They also admitted that they did not have a Security Compliance Officer as required by law. They promised a call back by a " supervisor '' in 10-20 minutes which did not occur. They also refused to remove my personal information from their database for " 480 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am a victim of identity theft. A credit card was opened online with Target by the person who stole my wallet ; the account was approved. The credit card was opened XX/XX/XXXX. I was not aware of this CC until XXXX when I was being charged for an amount I never spent. I called Target in XX/XX/XXXX to dispute this matter. The gentleman said not to worry as he would close it and mark it as fraud ; however, that did not happen. I called again in XX/XX/XXXX because my loan XXXX told me the Target CC affected the loan process since it showed it was delinquent. The person who was handling my account told me my claim was denied because I did not complete the questionnaire, however, I never received a questionnaire. I called again in XX/XX/XXXX because I had not received the questionnaire. I spoke to the lady and asked her to email me the questionnaire. I completed the questionnaire and sent it in. I received a notice in XXXX advising my claim was denied. I called to dispute this matter, and I threatened to sue them, and the lady told me to go ahead and do so. I explained myself over and over, and I sent in the police report which reads my wallet was stolen along with my SSN and ID 's. She said she could do nothing because someone had called to make a payment and even set up an arranged payment. I told her they did the same with my other credit cards and even maxed out XXXX of my clothing credit cards. She didn't care to listen. I asked for the details ; what debit or credit card did they use to make this arrangement and for the successful payment? Have they reviewed the cameras of when this person made the purchase in the store and all she said was she could not provide those details. My credit score dropped almost 100 points because it was maxed out and because it was past due in payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage with XXXX XXXX XXXX XXXX was transferred to Shellpoint Mortgage Servicing ( a division of Newrez LLC ) and I received a letter from Shellpoint dated XX/XX/XXXX advising that they were now going to collect the loan payments on my loan number XXXX I have been continually incorrectly charged fees for lack of insurance which I have proved to Shellpoint on numerous occasions that there is insurance on the condo. 
They charge an HUGE fee ( {$670.00} ) for late payments on the monthly payment of {$2600.00} - I can not believe that this can be legal? 
The final tipping point for me was when I received a very aggressive phone call on XX/XX/XXXX from a guy at Shellpoint ( XXXX XXXX ) where he informed me that the mortgage was now in foreclosure and unless I paid immediately a sum in excess of {$8500.00} I would lose my condo. 
He then sent me an email with a " XXXX XXXX ''. 
I would point out that I was only in arrears for XXXX. 
He also said that there were " legal fees '' in excess of {$1000.00} to pay. 
I can not believe that this is legal. 
I wish to make the strongest complaint to Newrez LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: MI

Complaint narrative:
Incorrect information 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 2023-07-20 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander reported a late payment in XX/XX/2022. In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a report without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-20 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The company keep putting different dates of the last payment received dating all the way to XX/XX/XXXX. I was not a joint applicant.experienced identity theft. States XXXX is owed on auto loan. Initial date of auto loan states XX/XX/XXXX. Action that was taken was a repossession.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-07-20 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:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-20 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: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
We are a small corner business and we sell beer/cigarettes/grocery. 

We recently received a dispute from our credit card processing company that a purchase was fraudulent. We attempted to dispute it with Heartland, however they continued to charge us. Essentially, we were charged yet again for the purchase. 

This purchase was made by the customer via entry into the pin pad for XXXX on XX/XX/23 and today XX/XX/23 we were informed that the charge was fraudulent. Heartland refuses to reimburse the charge even though the customer was present. I have contacted the police as well.

Company response to consumer: Closed with explanation