vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: Avid Acceptance, LLC
State: IN

Complaint narrative:
I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with Avid Acceptance LLC with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with Avid Acceptance LLC in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX  bankruptcy. I have submitted all documentation several times and neither XXXX  nor XXXX will correct this

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 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
Had my check engine light on and took it to XXXX Nissan. I have a warranty to cover any damage to my vehicle. XXXX Nissan took it upon themselves to not only triple my costs but upon paying over $ XXXX my engine STILL wasn't fixed and I have to bring it back there due to my warranty situation. I've been overcharged due to my XXXX XXXX  and these folks are trying to take advantage of me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: IN

Complaint narrative:
I have submitted a dispute three times that this account was not included in a bankruptcy   that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy.  My bankruptcy  was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX XXXX. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor XXXX will correct this

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 2023-02-18 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: IN

Complaint narrative:
I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX  XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor Experian will correct this

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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
The company have repeatly charge late fees with out sending notifications for the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Solar panels were put on my roof as of XX/XX/2022. XXXX was done XX/XX/2022 failed bc the company XXXX XXXX  failed to do the right plan. XX/XX/2022. A third party that had to come out to fix their problems fixed my issue. Now Im waiting on final inspection and cant get it bc we need a compliance letter from the solar company. But XXXX XXXX took everyones money and ran. We all got scammed and good leap financial is still changing us monthly payments for something that is not even functioning. Is this legal? I want to stop payments but I do not want to have a bad credit report. I need some help here bc they are taking everyones money and nothing is functioning. XXXXXXXX XXXX of XXXX is no longer in business so how are we going to have our stuff fixed and functioning. Last I heard the owners are in jail for embezzlement. 
I can send the contract in a private email once I hear back from you all since you didnt want names or account numbers and such. I really do appreciate you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I filed a complaint XXXX against XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for an old medical debt from XXXX. The response was nothing further could be done. XXXX failed to mentioned the sale of the old XX/XX/XXXX debt to Commonwealth Financial Systems XX/XX/XXXX. It is now appearing as a current debt. XXXX did the same thing with another debt in XXXX, in which they sold this debt to XXXX XXXX XXXX. XXXX closed the account when I filed a claim with you. 
The above debt is the same story as past debts. Once a debt is XXXX years old in New Jersey, it's to be removed from my credit report. 
This is another attempt at collecting on a bill that several line items couldn't be accounted for. All negotiations stopped at that point. 
Commonwealth must close this account and remove it from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I XXXX XXXX currently am not working. I do have additional insurance I can use to pay the balance of this bill. I have NJ XXXX XXXX XXXX ID XXXX. I also have a health benefits ID card : XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
In accordance with the fair  Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( XXXX XXXX  XXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  XXXX # XXXX ( XXXX XXXX  XXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  XXXX # XXXX ( XXXX XXXX XXXXXXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate and unauthorized inquiries reflecting on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these inquiries be deleted immediately or else I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person so you are requested to kindly delete below mentioned inquiries immediately or else I will file litigation : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  - XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-18 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX - XXXX MASTERCARD Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My company had a PII leak so they provided us with Equifax XXXX XXXX for two years. I attempted to activate it with Equifax starting in XXXX and I was barred from creating an online account and directed towards customers service. Since XXXX, I have called XXXX  of 15 times to rectify the situation. I have verified my PII with Equifax and was able to receive my credit report, but still am unable to create an online account to activate the product my company purchased form them for me to use. Each time I call they say they need to fix information on their end and will send me an email ( with no timeline or follow up ). Its been 3 weeks since my last call and I have yet to receive any communication, so that is wasted money from my company. I am still unable to create a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Was behind on mortgage. Was forced to refinance. Was put on a 40 year refinance. My monthly payments were increased even though I had caught up on my monthly payments.

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 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
My balance clearly states I owed the Amt XXXX and was paid! I should not be paying additional interest when I paid off the loan. The XXXX should have been applied all to my principal balance!!! Netcredit in now showing I owe another XXXX, when I have screenshots that my balance was XXXX. Please adjust this to my principal balance! This payment makes the loan paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
For the last 5 months they are posting my payments XXXX XXXX to XXXX weeks after I have paid them so I occur a late fee!!! 
I have attached the examples : On XX/XX/XXXX my balance was XXXX due XX/XX/XXXX I paid XXXX on XX/XX/XXXX They never rcvd and posted it on XX/XX/XXXX statement, thus I was charged a late fee plus interest. 
On XX/XX/XXXX my balance is now XXXX with added late fee and interest. I call and they said they will refund me late fee so all I owed was an additional XXXX, though it didn't make sense I paid that amount. 
On XX/XX/XXXX my balance is XXXX with a refunded late fee and a new late fee charge and now it's XXXX. I made a payment XXXX on XX/XX/XXXX it was due on XX/XX/XXXX... again they posted XX/XX/XXXX. They called me and I then paid an additional XXXX. Called them again to try and resolve this because I bought 1 item for XXXX in XX/XX/XXXX. 
I asked them what is my final balance on XX/XX/XXXX they said XXXX which i gave them over the phone and I told them to close my account. 
well that posted late and my balance is XXXX. 
All I am doing is paying late fees and interest!!!! I can never get ahead!! 
Please Help me!!!!! It is not reasonable to post payments so late so that I incur this late fee every month. I don't PAY LATE!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
There was a new credit card alert on my XXXX XXXX  account, as I looked into this further, it is a credit card from a company called Destiny. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX, XXXX I made a mistake paying XXXX $ XXXX  to a co. With my pnc credit card I believed I owed payment, I did not realize it was not owed. The amounts did not go to my account, paid nothing. PNC credit card Co was contacted and it was talked about many times with reps and managers of PNC. One manager realized that their were no payment and gave me credit for XX/XX/XXXX and XXXX XXXXthe XXXX  payments that were mistakenly paid .they put XXXX  XXXX $ payment back into my checking, where it was paid threw, then put XXXX  XXXX $ payments back on my credit card .saying that we owed XXXX $ to cover payments.we do not know what the fees and payment are for .PNC can not show us what was paid. They will not do any background checks on my account. To show them what I am talking about. I have called local branch told only PNC credit card can change anything. We tried to escilate but a manager shut us down. We are out XXXX $ that pnc took and will not re turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
My name is XXXX, I was a victim of an error with a XXXX  bill that was duplicated on my credit report, the single bill collection was bought by 2 separate companies, XXXX and Convergant  the second without my knowledge. After consulting with a bank and understanding I had a phone bill in collections to pay off. I began to do so reaching a settlement and paying it in full. My credit was clean and so I thought. I saw nothing on XXXX and my other scores went up aswell. After being denied though for a card at my bank I thought well why. I did more digging to find that XXXX bill on my XXXX by another company. My bank told me to dispute it immediately which I did and my dispute came back stating accurate information and was taken off my report on XXXX and is still in process of being taken off of my XXXX. I am demanding XXXX XXXX dollars per error to compensate for the challenges this mistake has brought to my financial life and the fees Ive wrongly paid in high rates due to this error while funding my business.

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