vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
XXXX has admitted in writing that they failed to manage my escrow account by allowing a lower rate flood insurance to expire after taking over a loan in XXXX and not notifying me of any issues until XXXX after the policy had already been cancelled by insurer. 

I will not pay a higher premium due to XXXX 's negligence in managing this account. They have brazenly threatened to impose financial penalties on my account without acknowledging their system failures which exposes me to unlimited financial risks.

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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023 I made a transfer of {$50.00} from my savings to my checking BEFORE I made a purchase to XXXX  to ensure the money was in the account. On XX/XX/2023 Vystar Credit Union debited my account for a courtesy pay in the amount of {$29.00} ; however, there was nothing for the credit union to cover because I put the funds in the account. I have screen shots of my account AFTER making the transfer and it looks like someone intentionally tried to withdraw {$50.00} from the checking account but the funds were debited from the savings account. This has happened three times in 14 days and the last time I reached out to Vystar to have the fee reversed the customer service representative told me that it would be the last time the credit union would reverse the fee. The financial institution is charging bank fees to customers when no courtesy pay has occurred.

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 2023-04-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I have been reporting this account on my credit report as inaccurate information. According to the FCRA 15 U.S.C. 1681 ( a ) ( 1 ), creditors must report accurate consumer 's information on credit report. I have the right to see the investigation that took place to verify this account on my credit report. According to the FCRA, you have 15 days to send me the investigation that has taken place to verify this account as accurate or delete the account 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 explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
XXXX, Equifax, XXXX continues to report incorrect personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
XXXX, XXXX, XXXX continues to report incorrect personal information.

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 2023-04-07 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on accounts 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 accounts : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00}

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 2023-04-07 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on accounts 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 accounts : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00}

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 2023-04-07 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: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This dealership has violated my rights as a consumer! Not only they ran my credit 10 times, but they also got me to get Gap Ins which was for nothing ( XXXX XXXX XXXX the finance manager ), told me if anything is wrong with the vehicle to bring it into any dealership to get service & that it is a part of the vehicle purchase for the vehicle to be maintained free of charge & I can take the vehicle to any XXXX dealership & will be service for free, I Informed him I was moving to XXXX when I got to XXXX & called the same Dealership they informed me That I had no coverage that I would have to pay out of pocket to get the car service, He didnt explain the finance part to me section 15 U.S. Code 1605 - Determination of finance charge which states Insurance was supposed to be included in the vehicle purchase, Instead Got me to purchase Gap Ins XXXX Every time I would call to speak to XXXX XXXX XXXX leave a message I would not get a callback, In fact, I was being fwd to other reps @ the dealership for help which wasnt much & those people their phones are disconnected it's like only family & friends work @ that dealership, I got way overpriced also the advertisement was a fraud no cash was supposed to be taking @ all & this was before even signing the contract another violation!! The price they were advertising the car online that is not what the sales guy ( XXXX XXXX XXXX ) told me he made it seem as if he was taking away {$2000.00} on top of the vehicle price & giving me a deal when really he was ripping me off. I would like a Rescission & for everything I've paid for the car & monthly pmts and pain and suffering, Revoked my signature on all contracts for XXXX XXXX XXXX to repair my credit they destroyed I want everything tangible, and they also did not pay off my lien to the other vehicle company XXXX XXXX that I traded in my Vehicle within 10 days thats another violation, having my credit impacted more causing XXXX XXXX to report my account to the credit bureaus!! I want justice with this Dealership. This company has caused me stress because they ruined my credit scorXXXX, Wellls Fargo Auto Finance did not do anything they stated that they do not have the physical contract & that they will follow up I never heard from them until today XX/XX/2023 I want the truth of Affidavit, Cancel my contract!!!!

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 2023-04-07 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: NC

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XXXX  - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: NC

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX. XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, payment was sent to Santander and payment was not acknowledged or credited to account. On XX/XX/XXXX, another payment in full was sent to Santander and no credit to account. On XXXX XXXX, vehicle was repossessed and had to pay {$2500.00} to get it returned. Payment was sent again in XXXX for partial amount and also not credited to my account. In XX/XX/XXXX, attempted to make a payment via customer service representative and again, they continued to send me through their automated system qhen I was making a payment per agent. In XX/XX/XXXX, attempted to send a full payment via XXXX and received a letter that they received the XXXX and they did not want to give up the security interest in the vehicle. I need assistance, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I logged into my Comenity account on XX/XX/XXXX to make a payment. Reviewing my bills, I found 2 charges to XXXX XXXX that Ididnot make. I called customer service to dispute the bill. She said that I had to call XXXX to remove the charge. I called XXXX and they agreed that I did not make the purchase but to dispute my complaint with Comenity. 

I called Comenity back. They refused to remove the charge. She did make a claim with the dispute team. Being unsatisfied with her refusal to remove the unauthorized charges, my first agreement with the service rep was to have another card issued to me and close the card that was violated. After speaking with her longer, my final decision was to pay the entire balance including the fraudulent charges, close the account and sever ties with Comenity. She assured me that she closed my account and that I had paid all that required fees/ balances. A few days later I get another charge for {$30.00}. I paid it on XX/XX/2023. 
I called and asked why my account has not been closed. She assured me it was closed. I keep receiving bills on a XXXX balance closed account. I called and spoke to a male service representative who said that he will email a statement indicating my account is closed. He did not. Not only did he not email the statement of my account being closed, everytime he was providing information, the phone suddenly became static. I am writing to get help with closing this account and stopping fraudulent fees. I also want reimbursement for unauthorized charges and fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 DYNAMIC RECOVERY SOLUT # XXXX, has violated my rights. DYNAMIC RECOVERY SOLUTIONS has gone as far as to " Park Debt '' onto my Consumer report without ANY PRIOR contact with me to verify or validate that this is accurate.This Tactic is knowingly Illegal as seen the FTC 's case against XXXX XXXX XXXX XXXX, Case No. XXXX. This is a complete violation to my consumer rights and punishable by {$1000.00} damages per 15 U.S. Code 1681. DYNAMIC RECOVERY SOLUTIONS have also committed violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Punishable each by {$1000.00} in damages. I Have sent a debt validation letter to request for proper validation of this alleged debt to be done. Notice I NEVER said debt VERIFICATION I Said DEBT VALIDATION. Do not send me a bill, copy of a statement, a letter with the debt only on it, or any other of the scare tactics debt collectors try to use. If what you sent isn't in correspondence to 12 CFR part 1006.34 Regulation F, then do not even send It and delete the account. You must also be aware I am disputing this alleged debt and that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. As stated in Regulation F part 1006.34 ( c ) ( 3 ) SO as the LAW states you must NOW CEASE ALL collection attempts and remove this ALLEGED DEBT from all my consumer reports until you VALIDATE that this debt is indeed mine. Or I will file for litigation for monetary damages. And we both know would lose sole based off the fact that you have no evidence of PRIOR COMMUNICATION with me either electronically, orally, or through mail as stated by the FCRA before you decided to park invalidated and inaccurate debt on my consumer reports. I will not be sending 5 - 10 letters back and forth with this company I'm only sending 2, and if you decide to be willfully non complaint I will add that to the $ XXXX punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this CFPB Complaint to follow up on the recent Complaint I submitted. The latter is disputing the fraudulent items that were listed on my credit report. Upon receiving a copy of my credit report, I was appalled to discover several accounts that I did not open and have no knowledge of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI wish to assert that I did not authorize anyone to open these accounts on my behalf. Given the circumstances, I believe this is an identity theft case, and I have already taken necessary measures to report this issue to the authorities. Thus, I implore you to conduct an immediate investigation into these fraudulent accounts and remove them from my credit report as soon as possible. I am well aware of the Fair Credit Reporting Act 's requirement to conduct a reasonable investigation into any disputes. Therefore, I am confident that upon investigation, you will find that these accounts are fraudulent and should not be listed 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 2023-04-07 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this CFPB Complaint to follow up on the recent Complaint I submitted. The latter is disputing the fraudulent items that were listed on my credit report. Upon receiving a copy of my credit report, I was appalled to discover several accounts that I did not open and have no knowledge of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX  XXXX. XXXX Unpaid Balance {$0.00} EQUIFAX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXI wish to assert that I did not authorize anyone to open these accounts on my behalf. Given the circumstances, I believe this is an identity theft case, and I have already taken necessary measures to report this issue to the authorities. Thus, I implore you to conduct an immediate investigation into these fraudulent accounts and remove them from my credit report as soon as possible. I am well aware of the Fair Credit Reporting Act 's requirement to conduct a reasonable investigation into any disputes. Therefore, I am confident that upon investigation, you will find that these accounts are fraudulent and should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I paid over 72 % of my car loan with XXXX XXXX XXXX and due to XXXX I got behind on my car payments. I discuss this with the auto loan finance company, but they refuse to help lower my payments or work with. I was never late on my car payments for two years. The car loan was {$10000.00} and I only owed {$2600.00} at the time of repossession of XX/XX/2022. After repossession, I owed {$2900.00}. The vehicle was sold and now they saying I still owe them {$620.00}. It is still reporting on my credit report that I owe {$2900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error nor 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 reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$20000.00}. Please remove this account as soon as feasible.

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