vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I purchased a vehicle from enterprise XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX and it had XXXX miles on it. Its is currently XXXX and the engine have blown out. I had the car towed to XXXX and which they confirmed I needed an engine replacement, due to the air compressor. Ive contacted XXXX they told me its nothing that they can do, due to the fact that my XXXX XXXX XXXX has expired. The warranty limited miles was XXXX, and I went over that by XXXX miles, that was what I was told by a representative at XXXX. I also asked to trade the car in, that request was denied by a representative at XXXX. I havent had this car for a year and Ive had to replace the starter, and now the engine is no good. I feel as if I should be compensated because, as a young adult I have made all of my car note payments on time as well as my insurance payment. Ive never been late on any payment. I do not feel that it is fair to continue to make payments on a car that is not working. What I would like to happen is that either, XXXX should repair this newly obtained vehicle, replace it or refund monies that have been paid and release me from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I have been a XXXX XXXX XXXX customer for more than 21 years on this Mortgage. Selene Finance bought this mortgage from XXXX XXXX XXXXXXXX during XXXX XXXX. I was in forbearance during XXXX with XXXX XXXX XXXX XXXX When Selene finance took over the mortgage they bundled the forberance balance and changed my mortgage payments form {$5500.00} to {$9500.00} form XXXX XXXX. I paid the {$9500.00} until XX/XX/XXXX and I could afford this increase and ask them to lower the payment by extending the terms since only five years is left in the mortgage. They provided the modification option and I diligently send all the documents asked and required via certified mail and fax and received numerous acknowledgement from the representative ( recorded ) that the file is complete and nothing more is needed. They also thanked me for completing the application diligently and indicated I will get an anwser on Friday XX/XX/XXXX. All the documents sent to selene finance were also copied to cfpb. 
I received a letter from Selene Finance today dated XXXX via mail indicating that my modification could not be approved because I did not complete the file. 
I am targeted for foreclousre for retalionation of my previous complaint to cfpb and I have equity in the house for more than XXXX XXXX XXXX 
Please help. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2023 I got a debit in my checking account that I did not recognize from XXXX XXXX. The XXXX XXXX representative and I looked up the name on the Internet. XXXX is the abbreviation for an environmental agency. XXXX XXXX is a rap song. The rep closed my account and we set up a new one. XXXX  XXXX XXXX showed that the automatic draft was returned because the account was closed. XXXX  XXXX XXXX reported my payment late to the three credit bureaus and assessed a late fee. I had my credit union send me a letter explaining that my account was compromised and forwarded it to the credit bureaus and XXXX  XXXX XXXX. At the beginning of XXXX, I noticed that XXXX XXXX had debited my account again. The XXXX XXXX closed the account and reopened another one. I paid XXXX  XXXX XXXX from the new account. I contacted the XXXX, XXXX XXXX, and explained what had happened again. I also sent him a letter from my XXXX XXXX. He said that he could not make another exception. I called my credit union for help. A representative noticed the abbreviation might belong to XXXX XXXX XXXX. I was very surprised because they drafted for the past three years under Bank XXXX XXXX. I asked XXXX to make the corrections, but he refused.

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 2023-08-15 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX of XXXX my wife and I purchased a door at Lowes in XXXX NY ( all aspects including installation cost ) for our home, current door needs to be changed plus we had a family gathering was scheduled for XXXX of XXXX. After months of excuse delays, up to and including days of delivery of back of forth with manager ( XXXX ), who exclaimed " what, do you want me to give you a free door '' ; another supervisor and or store employee, " do you want me to go make you a door myself '' This, in an attempt to see if the manager would rush the order and or consider discounting the purchase for the missing delivery multiple times within/by a month. To which He ( XXXX store manager ) replies, '' trust me I will discount it, but you have to take delivery '' I ask what would be the discount %, he refuse to say, at which point, I said forget entire purchase, the discount and refund the account. On XX/XX/XXXX, 2 days after I ask for a refund, XXXX emailed me a scanned copy of refund receipt. To date XX/XX/XXXX, after 3 dispute attempt with Synchrony and over 25 phone calls and emails from Lowes Synchrony Bank harassing me, I am being ask to pay outstanding balance of XXXX due XX/XX/XXXX for a door purchase that I NEVER TOOK DELIVERY FOR. I have saved text, voice message, dozen of emails and it they keep on coming. I want the harassment to stop, I want my account brought current and compensation for the XXXX filled stress of opening my email and seeing call from " Synchrony '', the argument this cause between my wife and I and effect this have on my credit. Please help.

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 2023-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-08-15 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditor 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: KY

Complaint narrative:
left an apartment called XXXX XXXX in XX/XX/XXXX ending, after giving leave and sublease notification of 3 months. Then the apartment was subleased to another tenant, who occupy this apartment since XXXX XX/XX/XXXX. 
He paid the rent for that month of XXXX. Later in XX/XX/XXXX, I was called by the apartment 's new manager that I was owning them, which clear me from the debt after he confirmed that I was not occupying the apartment room as of XX/XX/XXXX. Unknown to me he has sent my name and information to a credit collector called Carter-Young Inc. Then I was told my name was sent credit collector, but they did not clear me from this dispute. This has been hindering my XXXX XXXX since XX/XX/XXXX. And has an untoward effect on the financial situation. 
The name of the credit collector is Carter Young Inc. 
The name of the occupant of the room in XX/XX/XXXX was XXXX XXXX ( MD ) The name of the apartment is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: FL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I got a phone call from a company called XXXX XXXX on XX/XX/XXXX. The phone number that called me was XXXX and the name of the called was XXXX XXXX. He stated I owed a balance of {$1700.00} and they sent numerous priority mailed letters, but I dont recall getting any letters from them. The debt was from Best Buy but i opened that account back in XXXX and I called Best Buy and they said the account is closed. I also called Citi Bank and they stated they dont see a balance for that account. He also told me that if I didnt make payments, that a judgement would be sent to my house and the parish would get involved. I tried researching this company and can not find any resources on the internet. I also googled the address on the letter they sent me and when I called the number, they dont know who XXXX XXXX is or what I am talking about. Please help in any way possible. Im believing this is a scam but cant be to sure.

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 2023-08-14 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: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
My payment history reflects missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were missed due to my diagnosis of the XXXX XXXX, which placed a burden on my health and finances for the year XXXX including having to attend physical therapy. 

Since then, I have paid my account balance down to {$0.00}. This company refuses to remove the late payments sustained as a result of XXXX. Although this company is not obligated to forgive any of my discrepancies, as a consumer I expected a little bit of leniency while facing the epidemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

25 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
XXXX XXXX requested a downpayment of {$3000.00} for may vehicle while I was under duress to purchase a vehicle. They were made aware that I had received a hardship grant from my job to help during XXXX for may family. the grant was for XXXX and they requested the entire amount which I had been to the dealership several times and a down payment was not discussed when we first started the car purchasing process. 
I feel like I was taken advantage of while under duress and violated regarding the Truth and Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: CA

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  Please delete this account ASAP.

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 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
This already on my credit and Ive been so three times to another Creditor this is unfair to a consumer I am XXXX. I can not afford this bill and I would this be removed.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just tried to go in the bank and get verified and was told they could not help me I had to come back. I was never told but supposedly it takes 30 minutes to be verified.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief