vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Lobel Financial is denying that they ever collected the {$1600.00} down payment from the Consumers. The receipts previously submitted are evidence that it indeed was in FACT collected and per the letter from XXXX XXXX XXXX XXXX confirms they did receive the {$1600.00}. 

Per the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders and other financial companies treat consumers fairly. 

A down payment is an initial, upfront payment you make towards the total cost of the vehicle. 

Per the Federal Trade Commission Guidelines Bait and Switch is as follows : Under Title 16 Law Per Code 238.4 Switch after-sale. 

No practice should be pursued by an advertiser, in the event of sale of the advertised product, of unselling with the intent and purpose of selling other merchandise in its stead. Among acts or practices which will be considered in determining if the initial sale was in good faith, and not a strategem to sell other merchandise, are : ( a ) Accepting a deposit for the advertised product, then switching the purchaser to a higher-priced product, ( b ) Failure to make delivery of the advertised product within a reasonable time or to make a refund, ( c ) Disparagement by acts or words of the advertised product, or the disparagement of the guarantee, credit terms, availability of service, repairs, or in any other respect, in connection with it, ( d ) The delivery of the advertised product which is defective, unusable or impractical for the purpose represented or implied in the advertisement. 

First, XXXX XXXX confirms that the down payment was received and accounted for per XXXX XXXX Pricing on the response letter from the dealership confirms that the {$1600.00} down payment was in FACT applied towards the car. 

However, in contrast, Lobel Financial denies they ever received or in their words exactly to the Consumers and stated : that they dont touch the money of the down payment that it doesnt go towards the car price and the customer is still responsible for the {$1600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- Orange County sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit 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

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 2021-06-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've asked them to provide the original contract with my signature for validation of the debts and I have received nothing but stating the debts were valid. Nothing has been removed and it has caused tremendous damage to my overall credit score and is causing me to be homeless because I can't get approved for any houses or anything for that 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 explanation
Consumer complaint received 2021-06-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've asked them to provide the original contract with my signature for validation of the debts and I have received nothing but stating the debts were valid. Nothing has been removed and it has caused tremendous damage to my overall credit score and is causing me to be homeless because I can't get approved for any houses or anything for that 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 2021-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The facts are as follows : 1. I have been having the in New York, the PC RIchard Store Cared for nearly ten years. I never had an occasion of a.compaint. But now the Synchrony Bank entered into the picture, problems started. I have been trying to contact them since XX/XX/2021 but no success, because they always greeted by unending recorded message. I tried to Chat in XX/XX/2021 but was disconnected. 
2. The outstanding balance on the card at the beginning of XX/XX/2021 was {$990.00}. 
BUT IN THE FIRST WEEK OF XX/XX/2021, THE BALANCE JUMPED TO {$2200.00}. 
Today, the XXXX of XXXX, 2021, I waited on phone for more than half an hour. And finally upon my inquiry, I was informed that in XX/XX/2021, the Synchrony Bank charged {$1200.00} as LATE PAYMENT PENALTY INTEREST. 
3. I NEVER HAD A LATE PAYMENT in ten years. I never knew that such a thing will happen without notice. 
4. I request CFPB, If it has guts, to look into this and resolve the issue favorably.

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 2021-06-21 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: AL

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.

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 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received a letter in the mail dated XX/XX/2021 from Credit Management stating that owe XXXX XXXX XXXX XXXX XXXX XXXX in the amt {$1900.00}, I didn't receive the letter until XX/XX/2021but the letter is dated for XX/XX/2021. I advised Credit Management that I have been a victim of identity theft and I have a police report. I was told by a company representative that I would have to send documents in to prove that I have been a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
On XX/XX/2021 I received a money order from one of my tenants for {$960.00} which I deposited in my bank account. On XXXX XXXX my bank said there was a stop payments on the money order. I called Western Union and they said you can only stop payment on a money order with a written notice mailed to Western Union. You can not do it by phone.

I would like you to check with Western Union to see what you can find out about this money order. I don't see how anything could have been done by mail within 2 days.

Western Union tells me it could take up to 15 days,, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 I tried to withdrawal money from my edd account and the atm said daily limit reached so. Checked online and showed two fraudulent atm withdrawals one that morning XX/XX/21 and one the night before XX/XX/21 each one was for XXXX $ ( The daily withdrawal limit ) so I immediately called and filed a claim with Bank of America and they told me the transactions were made in XXXX XXXX and another city in XXXX XXXX. I have never been to either of those places I had been in montebello for the last 2 weeks. They said the withdrawal were made at BANK OF AMERICA ATMS too it should be easy then just look at the cameras!!!! There is absolutely no excuse for them giving me a card with no security chip in the first place if they would have provided secure cards most of this would have been avoided! and what a nightmare this has been I have filed the claim 3 times now and they have denied each one without any explanation or even letting me explain more. I thought there was a ZERO LIABILITY policy? Just not for me? I feel abused like a 2nd class citizen I really dont know what to do I am going to be homeless because I cant pay my rent 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 explanation
Consumer complaint received 2021-06-21 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: FC HoldCo LLC
State: GA

Complaint narrative:
Flagship Credit is reporting a late for XX/XX/20. Due to the unforseen events with Covid, I was financially impacted. Prior to this and after this month I have not been late. I ask that they please make a one time goodwill adjustment and remove the late.

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 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
After numerous issues over 60 days with Selene Finance, they sent me a payoff quote, which I paid. I had no choice. After requesting payment history for same 60 days, which Selene refused to provide, CFPB got me the payment history. As Selene had already given me the payoff quote, they had no choice but to match numbers to this quote. 

I have used every possible combination of calculating interest for XXXX and XX/XX/2021 at the fixed rate and no matter what I tried, I absolutely can not possibly come to what they have charged in interest. Selene Finance has clearly OVER charged interest. I would like a complete and detailed interest calculation for XXXX and XXXX, and a small balance for the 1st few days in XXXX of the interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing this letter to report The XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009. I have paid my account with XXXX XXXX on time since I had this account open since XX/XX/XXXX. In XX/XX/XXXX I was reported 30 Day late on my credit profile due to XXXX XXXX changing my account number without proper notification. The first bill I received for this new account was on XX/XX/XXXX after I was already reported 30 day late in XXXX, this letter also stated that my account number will be changed again for the second time because I never received a new credit card or the new account number to make the payment and my original account number still stated a XXXX balance. On XX/XX/XXXX I received a statement with my original account number that still has a XXXX balance which was stated when I called to make payment in XXXX. On XX/XX/XXXX I received my new account number and new credit card after it was changed twice. How could I as a consumer make a payment on an account number that I have no knowledge about? The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 by not giving me at least 21 days to pay from the time the bill is mailed because they never sent me a bill with this new account detail until XX/XX/XXXX which they already reported 30 day late in XXXX. Also The XXXX XXXX XXXX is reporting to the credit agencies payment history on an account number that they change so the information that they continue to report to the credit agency are no longer valid because the account number change doesnt match the account number on my credit profile with file the credit agencies.

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 2021-06-21 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: VA

Complaint narrative:
I am writing this letter to report The XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009. I have paid my account with XXXX XXXX on time since I had this account open since XX/XX/XXXX. In XX/XX/XXXX I was reported 30 Day late on my credit profile due to XXXX XXXX changing my account number without proper notification. The first bill I received for this new account was on XX/XX/XXXX after I was already reported 30 day late in XXXX, this letter also stated that my account number will be changed again for the second time because I never received a new credit card or the new account number to make the payment and my original account number still stated a XXXX balance. On XX/XX/XXXX I received a statement with my original account number that still has a XXXX balance which was stated when I called to make payment in XXXX. On XX/XX/XXXX I received my new account number and new credit card after it was changed twice. How could I as a consumer make a payment on an account number that I have no knowledge about? The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 by not giving me at least 21 days to pay from the time the bill is mailed because they never sent me a bill with this new account detail until XX/XX/XXXX which they already reported 30 day late in XXXX. Also The XXXX XXXX XXXX is reporting to the credit agencies payment history on an account number that they change so the information that they continue to report to the credit agency are no longer valid because the account number change doesnt match the account number on my credit profile with file the credit agencies.

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 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, Experian and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, Experian and XXXX XXXX is reporting the information and need to correct the information. 

Experian : XXXX  XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX 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 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

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 2021-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
Well we have XXXX on the acct and its says hes XXXX but they collected money from us and told us they would return the money and they dont, threatening us that they would garnish my check. Hes still XXXX  and they put on paperwork for 6 months to a year snd they still harass us about the payment. Then they say they added the payments yo the back of the Back of the loan instead of returning our payment back to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and my loan number is XXXX. Me & my mother have been customers of you guys since XX/XX/XXXX. & honestly there is nothing that we would change. Last year due to the Covid-19 we both lost our jobs and we unfortunately missed a payment in XX/XX/XXXX. Which then led us to taking advantage of your forbearance program for the remainder of the year, and 6 months of XXXX. We are happy to say that we have finally caught up on all of our payments and we are no longer in forbearance. & we are nothing but grateful for the opportunity they gave us these last 18 months to get back on track.. As a long time customer, officially in good standing - I am sincerely and respectfully asking that this good will adjustment for the late payment can go into consideration. It has been a pleasure having you as our mortgagee. They stated there was nothing they could do. This seems unfair as to I have never missed a payment.

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 2021-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
Key 2 Recovery is attempting to collect on a debt that is invalid. I received a XXXX XXXX XXXX and they are collecting for a debt with XXXX XXXX XXXX. Yet when I called the Federal Student Aid phone number provided by an employee of XXXX, XXXX says there is no record of me in there system at all.

Company response to consumer: Closed with explanation