vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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 have had several loans for jeeps in the last XXXX  years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.

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 2023-01-04 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:
I have had several loans for jeeps in the last XXXX years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX XXXX closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 have had several loans for jeeps in the last XXXX years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.

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 2023-01-04 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:
IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I am a current customer of td bank. And I applied for a td fit loan on XX/XX/2022. As a result, after I provided information for the loan. XXXX of the agents demanded more information need to be submitted as this is not the first time I received a td fit loan but this is the first time I was treated with disrespect and discrimination regarding what needs to be submitted So I stated that I am not home at the time she wanted me to submit the required information I will do so when I return home. As I got home and logged into my application and it was an automatic denial stated something in my credit report which was untrue. So I called the td fit loan department and they stated they couldnt verify my identification which was also false. This is disgusting how your employees represent your company in this type of manner and it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
My loans qualify for PSLF under the Temporary Waiver, with my ECF approved in the spring. XXXX was my servicer and I was transferred to MOHELA in early XXXX. On XX/XX/XXXX, after no change in status, I called and spoke with a MOHELA supervisor who advised that the transfer process and having my loans discharged could take up to 90 days. On XX/XX/XXXX I contacted MOHELA again to ensure that they didn't need anything else from me and they confirmed they had my PSLF form, my ECF form, and that it is a process that could take up to 90 days. It has now been just over 100 days since MOHELA said it could take 90 days, which itself was nearly 30 days after the initial transfer. My loans have not been discharged. Both MOHELA and Studentaid.gov systems concur that I have XXXX qualifying months and am eligible for PSLF. I began a complaint case with XXXX on XX/XX/XXXX and have received no followup or contact as a result ; and there is no provided means through which to escalate to the Ombudsman. MOHELA 's service and processes are slow and inadequate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: GA

Complaint narrative:
Closed account should not be on my credit report please delete In XXXX days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I accidentally sent my XXXX/Sychrony payment of XXXX to XXXX Card on XX/XX/XXXX. The amount was not due until XX/XX/XXXX. I did not discover my error until XX/XX/XXXX. At that time, I set up an ACH payment on XX/XX/XXXX for my additional purchases plus the last balance of XXXX. These additional payments were not due until XX/XX/XXXX XXXX/Sychrony calculated interest not on the 10 days that the XXXX was past due but on average daily balance daily balance of XXXX. How they calculate that number I can not find out. 
There is a disconnect between in the credit card industry and the consumer. How can I be charged interest on something that is not past due? 
I have since got them to waive the late fee but not the excessive interest charge.

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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
3 years ago maybe longer debt for XXXX XXXX was XXXX and it affected my credit score lowering it from that point my credit went up to XXXX and this XXXX debt was REFRESHED on my credit score how can they resubmit a debt for collections that affected my credit score AGAIN I am confused by this can someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an acct for my son in 2004. It had at least {$1200.00} in it. Citibank closed it with no notification to me and there is no history of the account ever existing. 
I have the paperwork from when I opened the acct and several deposit slips that are initialed and signed by the banker, that show deposits to the account. 
We never received any indication that the account was being closed. 
Citibank suggested that I file a missing funds report with the state but it doesnt seem that the funds are there. 
I dont know what to do. They have misplaced all of this money and have NO record of the account ever existing. 
We have contacted, via phone and in person, Citibank at least 5 times regarding this and they still have no record of this existing. 
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 explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to you today because every month, my credit score dips roughly a number of points as a result of a misunderstanding between me and Comenity BankXXXX XXXX Credit Card XXXX 

In XXXX of XXXX  I opened a XXXX XXXX credit card at a store in XXXX, Illinois and purchased a pair of boots as well as sunglasses. These were to be shipped to my home address in XXXX XXXX. 

I never received the package, so I didnt pay for purchases on the credit card. There was a triangular conversation happening between myself, my apartment building and the delivery service. I later learned that the package was either lost or ( most likely as this happened to others ) stolen from my apartment doorstep. I also was not receiving mail nor did I receive a physical J Crew card with which to set up an online account. At this point in XXXX, I called and let XXXX XXXX know while simultaneously making a payment for my sunglasses which I purchased and received. In the meantime, unbeknownst to me Id been hit with a late charge despite having not received the package. And keep in mind that I am also not receiving email or physical mail at this point- or phone calls! So completely in the dark, I am getting charged late fees on an order that never arrived. 

Fast forward to today and I have a hefty bill full of late fees ( no principal because no order was received ) but even worse I have a suffering credit score. My score sits at XXXX and continues to take hits as a result of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit card company approved me for a limit of XXXX and without reason lowered my limit which has impacted my credit score.

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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
This complaint is about GC Services ( XXXX XXXX ). I owed the XXXX XXXX XXXX XXXX XXXX based on 2 civil assessment fees and a XXXX XXXX  ticket ( civil assessment fees were added due to the courts receiving the corrected violation late, but they had received my payment of {$25.00} ), for citation # XXXX. I explained to the debt collection agency that my debt had been resolved, due to the passing of XXXX XXXX, which removes all civil assessment fees prior to XX/XX/XXXX. After hearing of XXXX being passed, I contacted the XXXX traffic court in early XX/XX/XXXX, to confirm of the debt removal and they have confirmed no debt was owed. Today, XX/XX/XXXX @ XXXX, I was contacted by GC Services regarding the debt of {$620.00}, where I was told I still have a collection against me for the {$620.00}, after i explained the situation, they reviewed my debt and rejected my request for review. Shortly after receiving their call, i decided to call XXXX traffic court again today at XXXX, which resulted in the court once again letting me know that i have no outstanding debts and have not had debt since XX/XX/XXXX, so the citation was considered paid and closed. At XXXX i called GC services back to report what i had been told by the court and they refused to close the collection. This company is calling me attempting to collect money which has already been paid/removed from my debt due to bill XXXX and the XXXX courts XXXX I have no debt to be collected. Once again, they are trying to collect money that has already been paid and refuse to close my collection. If i had paid them, I probably would not have gotten my money back and if the courts already deem it as paid, how can they legally collect that money from me. If i hadn't paid attention and done my research i'd be out {$620.00}. GC Services needs to be looked into to make sure they aren't collection on paid debts for people all across the country, which would be considered Fraudulent Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I had 2 legal settlement checks made out to me by a previous employer totaling over $ XXXX. 
My funds have been held by Chase for 1 month. 
I have contacted the loss prevention department everyday for 1 month and have complied with every single one of their unreasonable requirements and demands, including providing 12-14 phone numbers so Chase could verify the funds are valid.

They are unwilling to verify the funds directly with my lawyer, the opposing lawyer or directly with the maker of the check.

I have even offered to provide documents ( apart from the checks themselves ) proving the funds are valid. Such as, previous paystubs, bank statements, and even W-2s.

Chase has confirmed the funds have cleared so the maker is unable to stop/cancel the checks and reissue.

The funds have been cleared and Chase is refusing to give me access to the money Im owed.

I believe Im being discriminated against and if this is not resolved in the next 24-48 hours I will be taking legal action Again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.

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 2023-01-04 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: CT

Complaint narrative:
EXPERIAN under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. EXPERIAN is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. EXPERIAN has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. EXPERIAN has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( 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 '' EXPERIAN has included such accounts on my consumer report. EXPERIAN is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' EXPERIAN has included such account in my consumer report. I DEMANDED removal of these accounts and EXPERIAN has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i EXPERIAN to provide the NAMES & ADDRESSES OF THE PEOPLE THEY PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If EXPERIAN CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY. This accounts are not in dispute but are a violation under the FCRA. EXPERIAN has committed fraud for conducting a none requested Fraud Reinvestigation. EXPERIAN is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.

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 2023-01-04 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: OR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15USC 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation