vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I was pre approved for milestone credit card through XXXX XXXX and I was denied. It affected my credit score with hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: MO

Complaint narrative:
I recently checked my credit report and saw accounts repotting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: MO

Complaint narrative:
I recently checked my credit report and saw accounts repotting that I do not recognize.

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 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
In XXXX  of XXXX  I received a notice from the loan company that services my XXXX XXXX  advising me my payment was missing. Note : the servicing company changed their address and ALL our account numbers. My payment is set on AUTOPAY through my bank so I updated the address and account number and called ( on XX/XX/XXXX ) and spoke with XXXX who advised me not to worry ; the payment would get to them eventually. She advised she would note the account and no late fees would apply. A week later I received another late notice, I called again and after speaking with a few customer service reps I insisted on a manager. I spoke with XXXX ; this was on XXXX  and again on XX/XX/XXXX. I provided them with Reference # 's Trace ID # 's and proof of payment from my bank. They acknowledge that they received my money/payment but they don't know where the money went or to which account it was applied to. Clearly it was not mine. Meanwhile my sister passed away, I have to travel out of state a week before XXXX for her services and came home with XXXX. Since I had not heard back from XXXX I was confidant the matter was resolved. Imagine my frustration when I received not one but two notices in my mail yesterday ; and yes showing late fees. I am growing weary of this and need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
Ive reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the accounts that I have included in this screenshots inside this complaint in on this date of XXXX XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand that these payments be updated to paid as agreed on time as they should due to the fact I was never late. Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
Ive reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the accounts that I have included in this screenshots inside this complaint in on this date of XXXX XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand that these payments be updated to paid as agreed on time as they should due to the fact I was never late. Thanks! Please see screenshots attached :

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of XX/XX/23, I paid an account listed on my credit report in full. This was reported to Equifax and the collection agency requested a delete and the account still remains on my credit report. 

This is a violation of the Fair Credit Reporting Act! This paid in full account remaining on my credit is hurting my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is a follow-up to Complaint Number XXXX, which I submitted on XX/XX/XXXX with XXXX XXXX as the company against which I was filing a complaint. 

I am submitted a new complaint today because it has become evident that Bank of America is the institution at fault. 

On XX/XX/XXXX I initiated an international wire transfer to a friend in the amount of {$5000.00} through my bank, XXXX. XXXX did not send the money to the recipient directly, but instead sent it to Bank of America as an intermediary. One month after the initiated transfer, on XX/XX/XXXX, the recipient still had not received the money. Apparently Bank of America was waiting on XXXX to provide additional information, which XXXX had not provided. Due to the extensive delay, I instructed XXXX to recall the transfer ( on XX/XX/XXXX ) so that I may have the money returned to my account and figure out another way to send it to my friend that did not involve an intermediary. 

The recall was sent 44 days ago, but I still have not received the money back in my account. As of XX/XX/XXXX, my client relations manager at XXXX XXXX ( XXXX XXXX ) reports that XXXX has attempted to reach Bank of America 3 times. The latest attempt to reach Bank of America was on XX/XX/XXXX, to which they still have not responded. 

Interestingly, my contact at Bank of America claims that Bank of America reached out to XXXX on XX/XX/XXXX and has not yet received a response. In summary, both banks report that they are reaching out to the other and have not heard from the other. XXXX has made 3 attempts, and Bank of America has made 1 attempt. 

It is unacceptable that Bank of America has been holding onto my {$5000.00} for over two months. A recall should not take this long and I have reason to believe they are not prioritizing this case to the extent that they should, given the magnitude of the transfer amount and the delay. 

I am requesting that CFPB intervene and urge Bank of America to respond to XXXX 's requests to communicate, so that they can finally return the money to my account.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. 

They have NO uniformity of information. 
How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? 

As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. 

Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. 

I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. 

Since they failed to follow the correct procedures. I request for these accounts to be remove immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Someone opened a XXXX credit card in my name without my permission and has ran up a bill amounting to XXXX dollars. I have never applied for, nor opened a XXXX credit card. Please block this fraudulent account pursuant to section 1681 of the Fair Credit Reporting Act.

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 2024-01-11 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: TN

Complaint narrative:
Someone opened a XXXX credit card in my name without my permission and has ran up a bill amounting to XXXX dollars. I have never applied for, nor opened a XXXX credit card. Please block this fraudulent account pursuant to section 1681 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been asking Navient XXXX XXXX many times including on XXXX XXXX to help me by lowering the monthly payment and they said they could not do it! Instead, they told me to cut down on our food expenses and others. I already had filed for bankruptcy twice including on XX/XX/2022 but, they still had charges go through albeit I was in the bankruptcy process. Originally, I owed $ XXXX and now its up to more than $ XXXX. This is horrible since the school I attended committed predatory loans the XXXX playbook included aggressively recruiting and pressuring me into enrolling, maxing out my student loans, and then leaving them me out to dry by investing nothing in my education and leaving me with a mountain of debt and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Upon further Investigation, Exeter finance has been incorrectly demanding money from people. They have involved XXXX XXXX XXXX who has paid. ( See attached amount paid ) and they places a collection on my account for the same amount. 
The damages to the vehicle occurred from the repossession company THEY sent. The only people who should be paying them should be the people who caused the damage! The car was in mint condition prior to the repossession, and Exeter can not charge me {$5000.00} 2 years after the repossion was charged off! The amount they placed for collection is inaccurate! I do not owe them anything! They are trying to get money from everybody illegally and I will be seeking legal action against them! Please have this collection removed from my credit report! Again please seek the receipt of payment to Exeter from insurance company. But also keep in mind that neither of us should have had to pay them ANYTHING because it is THEIR company who damaged the vehicle during the repossession!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid the balance in full as agreed. With a ZERO balance, I received another bill charging interest of {$17.00}. 
Customer service is horrible and they are unwilling to work to maintain Customers like me who have an excellent credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I have a debt collector reported in my experian account ( ABILITY RECOVERY SERVIce ). It says that that original creditor is XXXX XXXX XXXX XXXX XXXXXXXX with the amount of {$1100.00}. I have never heard of this LLC before nor ever borrowed money from XXXXhe said LLC. I had to idea a creditor was even there until I checked my experian account. Last year my personal information was exposed by a person who posed to be a job recruiter which I reported to ID.me since they use that website to verify my information. It couldve been a result of 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 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I applied for the SAVE program on XX/XX/XXXX. I received a notice on XX/XX/XXXX saying there would be processing delays but would be processed within 90 days of the application submission date on : XX/XX/XXXX. My account now reflects a payment due that is different from the SAVE program I applied for, my loan status has still not been updated to reflect the SAVE loan program I was eligible for ( ~ $ XXXX ), and customer service will not respond to inquiries. 

I am now being asked to " recertify '' my payment on a payment plan that is NOT the SAVE program. I have reapplied for the SAVE program on studentaid.gov but MOHELA 's customer service line is near impossible to get a hold of a representative and keeps disconnecting me. 

In fact, the original SAVE loan is still " in process '' and was never processed by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MN

Complaint narrative:
WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Self Financial Inc.
State: MN

Complaint narrative:
his notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SF/LEAD BANK XXXX XXXX XXXX XXXX SELF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
XXXX XXXX, the administrator of my Lakeview fixed/adjustable mortgage did not adhere to the terms of the Note as they applied a " recalculation '' late in the annual rate change cycle. Initial rate change was effective XX/XX/XXXX. Using XXXX XXXX, XXXX XXXX adjusted rate from 3.625 % to 5.000 % as per terms of Note. XXXX XXXX is negligent in adhering to subsequent terms of Section 4 ( D ) which state " Thereafter, my adjustable rate will never be increased or decreased on any single Change Date by more than XXXX percentage points from the rate of interest I have been paying for the preceding 12 months. '' XXXX XXXX response was the XXXX, XXXX discontinuance of XXXX prompted their use of XXXX to recalculate the interest rate from 5.000 % to 7.500 % which became effective in XXXX! I never received notification of this change although a copy was included with their response to my appeal. XXXX was in effect per the Note at the time of the initial Change Date ( rate 5 % ) which should have been locked for 12 months. The company took the liberty to use this " recalculated '' interest rate and add .750 % more as part of the allowable one-year rate change & still appear to be within the Limits on Interest Changes in Section 4 ( D ) - see above. The new rate effective XX/XX/XXXX is 8.250 %, from 5 % to XXXX. XXXX XXXX 's actions are despicable & unlawful.

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 2024-01-11 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: MOHELA
State: LA

Complaint narrative:
My identity was stolen and someone took out student loans in my name/social security number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a used car from US auto. The company now managing US Auto is Westlake Financial at XXXX XXXX. US auto sold me a car with a faulty engine. I went without a vehicle nearly 5 months while they claimed to be making repairs. After the repairs were complete they illegally took the car due to the upgrades. I had a lawyer working on this case the entire time so they released the car to me for $ XXXX and claimed to be paid in full. A month or so later US Auto completely shut down. I tried to find out who to talk to etc in ref to my vehicle to get the title, I got no one. There is no contract on this vehicle at all. I was released the vehicle at a tow yard in South Carolina after I paid the XXXX. Now over a year later I was in a car accident. The vehicle was on side of XXXX and they illegally took it into their possession asking for the same amount of money of XXXX for the release of title. This exact conversation happened months back. This time I requested the information in writing as they didnt provide previously. I really need help. There is already a lawsuit against this company about the same issues. I am alone in XXXX with my daughters and I need my transportation. This was cold and unjust and their finance company is wrongfully handling their affairs. All I want is my vehicle back in which they should not had taken away from me. Please help. US auto should not be able to do this to unexpecting individuals as myself. They have really ruined the last couple of years of my life due to unprofessionalism. All of my personal items are in my vehicle. This is THEFT! I want my car and belongings asap. 
The attorney familiar with this case is XXXX XXXX at XXXX XXXX XXXX. Her email XXXX XXXX

Company response to consumer: Closed with explanation