vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: PA

Complaint narrative:
CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX  XXXX Delete this alleged debt from your database and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I opened a Synchrony Bank XXXX CareCredit credit card account on XX/XX/XXXX to pay for a {$1300.00} charge at my XXXX. I was under the impression that there would be a no interest promo for a set period, but when I set up my online account later I found that the transaction was only given a reduced 17.90 % APR plan. Then on XX/XX/XXXX a {$6.00} interest charge was added to my statement even though my FIRST payment is not due until XX/XX/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 monetary relief
Consumer complaint received 2023-08-03 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: GA

Complaint narrative:
Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing.

First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.

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 2023-08-03 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:
on XX/XX/23 i sent experian an inquiry into the some things i saw on my credit are not vaiid. They have ignored my attempts to resolve these issues and will not comply with what i know is right and is causing me financial hardships at the moment. I have been ignored by the agency and have sent multiple request.

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 2023-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX service was performed with a company called " {$49.00} any sewer and drain cleaner " .A check was issued by my office the same day the work was preformed and handed to the worker for {$300.00} made out to the above company .The check was washed and made out to XXXX XXXX for {$14000.00} .The check was put through an ATM at XXXX XXXX XXXX XXXX and chase bank allowed it to go through even though it was clearly altered .We have security on our account that should not have allowed the check to be approved without our consent .We filed a police report on XX/XX/XXXX and notified our bank immediately. We filled out the Declaration of Unauthorized Endorsement or Altered item form and sent it to chase. For 9 months i have been trying to recoup our funds with no return calls and lots of false promises. We are now in XXXX of XXXX and am still waiting for our funds to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I have notified the following companies : Veros Credit and XXXX regarding fraudulent accounts reporting on my credit report. No response by either 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 2023-08-03 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
in accordance with fair credit reporting act XXXX XXXX XXXX XXXX  with Mercedes Benz Financial Usa LLC, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A SECTION 2 : IT Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Promptly correct the billing error in accordance with the provisions of USC Title 15 chapter 41 Subchapter I Part D Section 1666

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XX/XX/XXXX Bought a XXXX XXXX XXXX from US Auto sales in XXXX XXXX, I think listing price was {$17000.00} ( way too much for the car, but I needed one ) Paid extra ( XXXX ) for 2yr service contract with XXXX that was never sent to them ( XXXX ) and GAP Waiver ( XXXX ). 
Car was ok for about 9 months then steering wheel started making noise when I turn, told it was a knock sensor from XXXX XXXX. Did not have the money to fix it then and actually forgot I had the service contract. Then in XXXX of XXXX the car made a loud pop and left me stranded. Not sure if it was the engine or not but when I tried to call the dealership, i was told the went out of business and was to contact Westlake Portfolio Managemnet. Did that and they said my loan was transferred but the service contract is discontinued when they bought the loan. And the service contract company is XXXX and they are suing US Auto sales too. So know they won't honor my service contract and won't return my email and I'm stuck with a car that doesn't run and they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: AZ

Complaint narrative:
I'll never live at the following addresses this is all incorrectXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXX XXXX XXXX the following inquiries are unauthorized user : 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 non-monetary relief
Consumer complaint received 2023-08-03 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: AZ

Complaint narrative:
I'll never live at the following addresses this is all incorrect:XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXXXXXX XXXX XXXX  the following inquiries are unauthorized user 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 2023-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I've already filed this same complaint with your agency and you referred my case to the Office of the Comptroller of the Currency which referred me BACK to you! At this point, I've been going back and forth with you on this matter since XXXX XXXX Who can help me? PLEASE : REFER TO CASE # XXXX OR # XXXX As I said before : As part of a XXXX  XXXX payment plan from XX/XX/XXXX, to XX/XX/XXXX, I provided over {$30000.00} in payments to Citimortgage ( through a Trustee ) and XXXX  did not apply those payments to the loan. XXXX then proceeded to sell my mortgage loan to XXXX and then XXXX Mortgage ( current service provider ) for more than the original loan amount. I made over three years of mortgage payments and was not given any credit for those payments. I feel as if Citimortgage basically robbed me of {$30000.00} and once they changed my loan provider to CENLAR, I had to start from the beginning as if the mortgage loan was brand new. XXXX collected my mortgage payments, kept the money, and never applied all that money to the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage called under false pretense ( about the timing of my mortgage payment being paid at the end of the month ). I told the female I usually make a payment at the end of month as that's when I get my XXXX  XXXX check. I made my usual payment including late fee at the end of the month, then Rocket Mortgage charged my account for the same amount and overcharged my bank account. Now they won't refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to get a copy of my credit report, and report my trafficking case to Transunion since XXXX. I am a victim of trafficking and despite the fact that I have mailed and emailed my documents continuously, the accounts are still reporting. This is because I have been trying to get TransUnion to fix my online account for 2 months. Because of the issue with my TransUnion account, I am unable to retrieve my free annual credit report, or dispute anything. I am relying on XXXX XXXX who only lets you dispute one item at a time and does not allow you to see all of the details of the account or upload documentation. This is against the law. I feel helpless and defeated. Every time I call I am just pacified and told that my account will be available in XXXX hours. I first reported this issue in XXXX. Today is XX/XX/XXXX and I am still unable to do anything with my TransUnion credit report. This is completely unacceptable. I also reached out to customer support via email at XXXX, XXXX, XXXX, XXXX, and XXXX and received a ticket number via email response. When I called to follow up, the rep told me that TransUnion doesnt have an email for customer correspondence, nor do they give out ticket numbers. TransUnion, along with the other 2 major credit bureaus, need to be investigated because they are not operating in compliance with the law and it is putting the consumers in danger. I am living on the streets of XXXX trying not to be noticed by anyone who knows my abuser because I cant get approved for housing with this information on my report. I am begging for help. My next step is to unalive myself. I dont know what else to do.

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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was using my XXXX debit card to withdraw {$450.00} dollars here in Texas, league city. The ATM I used is located at XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. The day was XX/XX/2023 at XXXX central time. 
When I try to withdraw the money the ATM machine just show a legend on the screen saying that there was a problem and the withdrawal will not be possible or something equivalent to that, The ATM didn't give me a receipt assessing the issue. I received two emails from XXXX instantaneously saying that my withdrawal was successful. 
I walked to the bank XXXX to let them know what happened and especially because I received those two emails saying that my withdrawal was successful. The lady in the front and the manager told me that the ATM was independent of XXXX and they can't help me, but assured me that the issue should be resolved in a few days, and I should not worry. 
That ATM malfunctioned and someone later put up a sign, so no other customers try to use it. 
I waited 10 days and the money never came back to my original account in XXXX. I called and I submitted a complaint and investigation about the issue. The money was put back in my account but I received a letter saying that the investigation is taking longer but the money will be charged if they find that the complaint should not proceed. 
A few weeks later the money was charged because they say that the complaint didn't proceed. 
I called back and they ask me to put a complaint in the special unit of client attention, And I followed the process with the letter, documentation, and all I could think of to submit. Weeks later, I got an email saying that my complaint doesn't proceed because the ATM didn't show an error dispensing the money. 
The ATM is run by XXXX debit access, XXXX. The day of the problem was XX/XX/2023 at XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have contacted this company regarding the vehicle that I financed through them. I tried to resolve the transmission troubles I had by asking Credit Acceptance to help me, but was rejected and told about using my extended warranty plan to take care of the issue. I decided to leave it alone with the financing company. Fast forward to XX/XX/2023. I called in asking what can be done now that the vehicle was no longer operating. I was given options and was told that someone would call me that Friday to discussion the options in further detail. By that evening, my van was towed. 

At first it was a mystery that left me awake all night wondering what happened. When I called Credit Acceptance, the rep stated that someone called them stating that my vehicle was abandoned and that they had to secure the vehicle or it would be impounded. I asked the rep who did it and I was told that she could not give me that information. I asked if the letter that being mailed out reflect the call and the person who made the call and received no response. 

I decided to contact everyone involved in this mystery. Unfortunately, I have not gotten any closer to an answer and I am still without a vehicle. This event caused me to possibly lose out on holding XXXX accountable for causing the vehicle to be inoperable. I nor the sheriffs office can get Credit Acceptance to answer questions. On top of that, Credit Acceptance sent me a certified letter stating that my van was repoed due to non-payment, but when I ask the rep about this, I was told that my account was not in repo status due to non payment. When I ask for a letter to reflect that, I am told that they cant do that. 

Instead of me receiving help from them, I have been bombarded by daily calls asking me to pay and retrieve the van. When I ask why are you calling me to pay, but you cant alert me when my van is reported abandoned?, I get stumbles and stutters. I want this matter to be resolved. I originally filed a complaint through the attorney generals office, but the complaint was forwarded to CFPB.

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