vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This account has been paid in full {$21000.00} and no late payments were had. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy. ( 15 USC 1681 ( section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield Inc, {$10000.00} XXXX XXXX opened XXXX XXXX Reported I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately. 

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 

And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( XXXX ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. 

And according to 15, USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows and has reasonable cause to believe that that information is incorrect or inaccurate. 

This account has been obtained due to fraudulent identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2024 I requested an investigation into items that I believed were inaccurate and knowingly reported in a letter to you dated XX/XX/2024. This letter serves as a formal complaint regarding your submission of incomplete and inaccurate credit information. I respectfully request that evidence and payment history pertaining to these purported late payments be provided. As far as my records go, I have never paid past due on these accounts. The subsequent late payment information must be reconsidered due to its inaccuracy and subsequently deleted from my credit report, as it is providing false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
National Enterprise Systems, a debt collector, through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. National Enterprise Systems through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying National Enterprise Systems can legally collect, and proof that National Enterprise Systems is the current holder of the instrument which created the debt with my original blue ink signature. National Enterprise Systems is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to National Enterprise Systems and I do not consent or authorize for National Enterprise Systems to have access to my nonpublic personal information as they are third parties and I never did business with them. I will report this to the Federal Trade Commission. This is grounds for a federal lawsuit.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had some charges on discover card for {$6300.00} and i file fraud claim as those were not done by me. I asked them to provide the details on investigation and instead they send me a letter stating the all the charges are valid. I have filed a police report as well but they are not considering it. Discover has reported to credit bureaus and my credit score went down drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy. 



Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account number : 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/year> regarding XXXX XXXX. It is fraud and the account needs to be removed and permanently deleted from my credit. Experian 's response was that An account record was deleted. It was not. They also contradict stating the company has certified the account is accurate. HOW DID THEY CERTIFY THIS FRAUDULENT ACCOUNT??? They FALSELY claimed they sent me detailed information and they DID NOT. They all lied to the CFPB. So I have to file a new complaint. Its clear to me that there is a major problem with my personal information being compromised and used. There is a XXXX  address on my credit and I have never stepped foot in XXXX. I am a victim of identity theft and 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 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I purchased my home in XX/XX/XXXX with Vystar Credit Union. Property taxes were {$870.00} a year at the time of purchase. In XXXX the property taxes went up to {$2700.00} with no upgrades to my property. I went to the county tax office last year and challenged this significant increase. They stated there was a mistake and sent Vystar a check for the discrepancy. Now Vystar raised my mortgage payment from {$870.00} a month to {$1300.00} and is charging me late fees every month even though the mortgage payment is being made on time and I have been making {$1000.00} payments and Vystar is putting my payment into an undisclosed account and not dispursing it towards my mortgage payment. They will not send me a report showing my payment history break down the payment to see where the money is dispursed. They are a purgatory financial institution and I need my questions answered. They Said they didn't catch the error in XXXX regarding the increase in property taxes and wants all their money now. I live on a fixed income and this is creating a financial hardship for me as a XXXX  woman. They are also auto withdrawing the XXXX XXXX monthly mortgage payment without my consent. Your help in this matter would be greatly appreciated.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already filed a dispute with Equifax about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and there response to just update instead of delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX Reported a Late payment for my car lease to the XXXX credit bureaus on XX/XX/2023, without warning me they falsely stated i was late on my payments but in the credit report from experian, XXXX and XXXX we all can see unmistakably that every single month all the pays were done accordingly, even there is proof from my bank and from their website itself. i sent them a letter with proof of my payments and spoke with representatives over this matter but they did not give me a clear explanation and they sent me a letter back stating they dont think there is any error, i have never had a late payment in my entire life for the past 20 years, i have had a previous lease account with XXXX XXXX in the past and never had an issue, im disappointed that they ruined my credit score and worthiness when i had a XXXX score and dropped to XXXX, i am a hard working person with a reputable credit history, upon looking into forums about people having similar issues with them i found its a common practice by that company. 
the monthly payments are {$360.00} a month for 36 month for the term of the lease. 
I file a dispute with XXXX XXXX but neither that made them change their mind, i went ahead and filed a dispute with the XXXX credit bureaus and the outcome was the same. 
i feel defeated mentally and abused of my rights as a citizen of good moral character and XXXX XXXX has lost my trust and credibility as a company doing this to Cosumers unethically. 
Looking forward to find a solution to this matter 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 2024-03-04 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a transaction dispute for {$260.00}. Provisional credit was applied and the dispute was eventually closed. Eventually, on XX/XX/XXXX I closed this account. Today, XX/XX/XXXX ( nearly 2 years later ), I received a statement requesting payment for {$9.00}. I contacted the company via live chat and was told this is in relation to the dispute for {$260.00} that the agent stated was not resolved in my favor. Per the Fair Credit Billing Act, the card issuer has only 90 days to research and resolve the dispute. This is far outside of this period and the amount does not even match what was originally disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Equifax Data Breach Settlement Administrator, I hope this email finds you well. I am writing to express my grave concern and to seek immediate resolution regarding my claim ( Ticket # XXXX ), which is a direct result of the significant impact I have suffered from the Equifax data breach. 

To encapsulate the situation, my personal information was severely compromised in the breach, leading to identity theft and the unauthorized opening of accounts in my name across various financial institutions. This has been a distressing experience, with profound implications for my financial stability and peace of mind. 

On XX/XX/XXXX, I received an update on my claim, indicating that a deficiency notice had been sent to me on XX/XX/XXXX. I want to clarify that I have been diligent in my efforts to address any deficiencies as per the instructions provided. If there has been any oversight or misunderstanding in this process, it was not for lack of action on my part. 

Furthermore, on XX/XX/XXXX, I received another email suggesting that I did not respond to the Incomplete Claim Notice by the deadline. This is perplexing and disconcerting as I have conscientiously provided all the necessary documentation and information required to prove my class membership and to rectify any deficiencies in my claim. 

I am deeply troubled by the implication that I have not complied with the process when, in fact, I have adhered to every step as instructed. It seems as though there is a disconnect that is preventing the proper processing of my claim, and it is critically important that this matter is rectified promptly. 

I am reaching out to you in good faith with the expectation that Equifax will honor its commitment to assist those affected by the breach. As such, I am requesting a thorough review of my case and a clear explanation of any discrepancies that may have arisen during the processing of my claim. Additionally, if there is any further information or additional steps required from my side, please communicate this with detailed instructions so that I can comply without delay. 

Given the seriousness of this issue and its impact on my life, I would appreciate a prompt and direct response to this email. I am eager to resolve this matter and move forward with the necessary support from Equifax. 

Thank you for your immediate attention to this urgent matter. I look forward to your swift response. 

Warm regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased some XXXX XXXX with the 2-year XXXX coverage ( {$29.00}, price+tax ) as a gift for a relative on XXXX using my XXXX XXXX  store credit card, the order total was over {$290.00} so I got a 12-month promotional 0 % APR. 

I got a text and screenshot from the relative showing that when the XXXX  were added to their XXXX  device, the XXXX  displayed a " Limited Warranty '' and " Eligible to Add XXXX '' even though I already purchased the plan when I ordered it online, so I shouldn't need to purchase again. 

I contacted XXXX customer service through chat on XX/XX/XXXX ( agent XXXX XXXX and XX/XX/XXXX ( agent XXXX  ) to make sure the service plan I purchased was attached to the device. Both agents confirmed that the plan was purchased on the order but was not attached to the device. They recommended I contact the Best Buy XXXX XXXX customer service and provided me with a case number and contract ID for the XXXX.I called on XX/XX/XXXX and got nowhere with the representative, they stated that the person I purchased the XXXX  for would not see the service plan since it was attached to my BestBuy email from the order and I'd need to be present at an XXXX Store with them if they ever needed to put in a claim, it made no sense. 

After the runaround, I filed a dispute with the Best Buy store credit card through Citi on XX/XX/XXXX as my relative purchased the XXXX  through the Settings of their device directly through Apple and I needed a refund. On XX/XX/XXXX I got an email from Best Buy " Action Required by XX/XX/XXXX to Activate XXXX '' where it was acknowledged that there was an issue applying the service to the device when they shipped it and if I didn't provide the IMEI or serial number by XX/XX/XXXX I would automatically get a refund to the payment methods. I replied to that email letting whomever know that I would be awaiting the refund and not following the steps since it had been purchased again directly through XXXX to avoid the headache and further mishap. The toll-free phone number the rep from chat suggested on XXXX did not recognize my SSN or credit card to talk with customer service about the refund.

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 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Our vehicle had damage and needed to go to the shop. While it was at the shop, they tried several things, and then determined ultimately, it needed a new motor. The motor was out of stock and on back order our vehicle was in the shop for nine months. Because the initial incident was caused by us they only refunded us the out-of-pocket expense we made for the rental car. They denied a buyback, even though it was in the shop way longer than what the buyback considers a lemon. I went through all the processes just like filing through the XXXX, but they are literally biased. GM access is their system to make notes, and when they denied it, and I tried to dispute it, I was basically told there was nothing that I could do that theyve made their decision, There is no basis there was in fact a new motor needed. during this process, we started carefully looking over our finance agreement, and thats where we noticed that we were charged for items that were already included. In our loan we were not offered other insurances, like XXXX, in addition, our down payment was added to the price of our vehicle and not subtracted, the fees are outrageous and I can get nobody from fountain auto mall to call me back. This has been a horrible experience and its almost put us into bankruptcy and no one will help us. our finance companies, Gm Financial, and even though we explained the situation that we were going through a hardship and that we were having to pay for a rental vehicle out-of-pocket, they did not care they only deferred our payment which added interest in charged us, outrageous, late fees, and basically told us well you signed the contract. We tried reopening the XXXX  case, and it was immediately denied because they didnt even realize that as soon as we picked our vehicle up, there were more issues that were manufactured defects.. they took no concern with it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been making partial payments that CapitalOne agreed on since 2019. Yet, they are still reporting the accounts as chargeoffs. My credit score is XXXX as CapitalOne is making a negative report. I asked them to change the reporting as I have been making those payments every month, but they are refusing. 

The XXXX accounts are : XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I still have not received all of my interest owed from XXXX thru XXXX. My check, containing all of Savings, Checking and Interest Funds owed, was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The Executive Team Assistant ( lady ) from Citibank in Texas confirmed this with me on XXXX. As a result, I lost 15 days worth of interest on my money they held up in error for two ( 2 ) months. They cost me interest as a result of their actions.

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