vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
In XXXX a check was delivered to Avant in order to close my account. I waited a while before checking my credit score because I know it takes time to reflect or update new information. After some time I did check my credit on XXXX where I found that Avant was still on my report. I called the company that sent the check and they responded with a copy of the check that was sent to Avant also showing that check was cashed. I realized the check was sent under my boyfriends name with my loan number. I called Avant and asked about check and I also explained the name mistake but they assured me that since the loan number was on the check it would be going towards paying off my loan. I was sure that after everything was explained my loan would be paid off and show as closed in my report. I waited yet again before checking my credit report to find that it was still open. I reached out to Avant a few times more and each time I was assured that my problem would be resolved. It is now XXXX and my report is still showing open. The payments stopped after XXXX and no activity since but it is still on my credit report and I keep calling Avant and submitting disputes on XXXX and have no answers yet. I have some screenshots of the letter they sent to my old email and some emails in my active email snd copy of the check also a screenshot of a refund to me from Avant after my loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bepensa Capital, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I completed a loan application with XXXX XXXX in XXXX, Alabama. They told me they approved me for a XXXX XXXX, the car that I selected on their website for {$8500.00}. They increased the price of the car to {$10.00}, XXXX. They told me I had to give them a down payment of {$3500.00} though in order to be financed. XXXX XXXX cashed my check on XX/XX/XXXX and did not tell me that I was approved for the car loan until XX/XX/XXXX. I arrived at the dealership expecting a car payment of {$330.00} a month. I did not expected to pay on the car for about XXXX to 3 years. When I arrived at the dealership to pick up the vehicle, they video taped me signing the documents for the loan. After signing about XXXX papers. I saw that the loan was to be carried out for 5 years or XXXX payments of {$330.00}. I wanted to stop the process but the salesman made me feel as if it would be too much trouble to stop the sale, and this was the only way I could get a car. At the time I had no transportation. The salesman told me that after XXXX year I could get the car refinanced, but that was not true. The finance company was XXXX XXXX XXXX XXXX. I have made my payments on time for XXXX and half years thus far. Recently, I experienced financial hardship and I have fallen behind in my payments. As of the date of this letter, I have paid XXXX XXXX XXXX XXXX, now FiNBe, a total of {$9900.00}. My payoff amount as of today, is still {$8600.00}. Once I complete this loan, I would have paid {$22.00}, XXXX. XXXX including the {$3500.00} down payment for a {$8500.00} car. This is totally unacceptable. They only financed {$5000.00}. Because I fell behind they are trying to make me sign a XXXX month deferment, but I refuse to sign onto another agreement with this company. The manipulation with the video tape and the high interest rate is pure robbery for anyone who was in a desperate situation as I was with no transportation at the time. I want others to know because other people may be manipulated into a situation such as this. I am paying {$17000.00} for a {$5000.00} loan. This should be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Transition and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.

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 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this Creditor, XXXX, XXXX and TransUnion have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 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 explanation
Consumer complaint received 2023-11-18 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:
In accordance with the Fair Credit Reporting Act, this Creditor, XXXX, Equifax and XXXX have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 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 2023-11-18 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: CA

Complaint narrative:
In XXXX a check was delivered to XXXX in order to close my account. I waited a while before checking my XXXX XXXX because I know it takes time to reflect or update new information. After some time I did check my credit on Experian where I found that XXXX was still on my report. I called the company that sent the check and they responded with a copy of the check that was sent to XXXX also showing that check was cashed. I realized the check was sent under my boyfriends name with my loan number. I called XXXX and asked about check and I also explained the name mistake but they assured me that since the loan number was on the check it would be going towards paying off my loan. I was sure that after everything was explained my loan would be paid off and show as closed in my report. I waited yet again before checking my credit report to find that it was still open. I reached out to Avant a few times more and each time I was assured that my problem would be resolved. It is now XXXX and my report is still showing open. The payments stopped after XXXX and no activity since but it is still on my credit report and I keep calling XXXX and submitting disputes on Experian and have no answers yet. I have some screenshots of the letter they sent to my old email and some emails in my active email snd copy of the check also a screenshot of a refund to me from XXXX after my loan was paid off.

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 2023-11-18 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: Southwest Business Corporation
State: TX

Complaint narrative:
I have a mortgage with SWBC. The account was on a forbearance during covid-19 and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. SWBC agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: IN

Complaint narrative:
FCRA viloations not my XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX type Single family not my phone number ( 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 2023-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did NOT adhere to the FCRA. The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. The credit reporting company must take certain steps when you notify them of an error. Once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after you dispute the accuracy or completeness of the information, unless your dispute is frivolous. 

Experian continues to allow negative inaccurate accounts to reinstate the block that I've already won in disputing with Experian. Experian 's address records reflect the negative credit cards for the address below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

Hence, if I never lived there and then the information is inaccurate and false. Experian 's own address record reflect the same information, then Experian needs to PERMANENTLY block ALL of them even IF these negative accounts tries to reinstate the info back to my 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 2023-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased and afterward returned two XXXX to XXXX XXXX. I've paid for this merchandise with a Bank of America Credit Card. XXXX XXXX confirmed the receipt of my merchandise return and promised a refund shortly, but that never happened. 

After trying to address issue with XXXX XXXX without success, I've opened a claim with BofA. I've submitted all the information to BofA explaining why the dispute should be resolved in my favor, but BofA continues to deny it without really providing any proper explanation. Below is a copy of my last contact with them : CLAIM NUMBER : XXXX Hereby, I, MY NAME, would like to confirm that I have followed all the right procedures to return the merchandise related to this claim and I would like to request BOFA to reopen the claim and rule it in my favor. Attached to this letter, I'm sending supporting documentation to show that I have returned the merchandise according to the merchant policy. In the documentation you will be able to find : XXXX receipt from my drop off of the merchandise associated with the claim ; Tracking confirmation from XXXX confirming merchandise as delivered ; Diverse communication from the merchantXXXX XXXX confirming that they have indeed received my merchandise and that a refund is due. 

With all the above in mind, I strongly request that claim is decided in my favor. 

Attenciously,

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 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I have tried several times to get in touch with Mohela. I have spoken to XXXX different representatives because I can not afford my monthly payments. So I extended the loan to the most years you can every time I call them they say my loan is still being processed. Ive been trying since XXXX to resolve this issue. I can not afford {$760.00} a month, XXXX person told me that my payment will go down to XXXX. The other one told me something else but nothing gets done. Ive been trying to call them now for the past month and I have not been able to get in touch with anyone because the whole times are over an hour or XXXX. Sometimes when you call the person picks up the phone and hangs up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this Creditor, Experian, XXXX and XXXX have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 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 explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Lentegrity Management, LLC
State: CA

Complaint narrative:
Hello, I applied for a loan to get a vehicle. I was pre- approved through XXXX XXXX XXXX but, I needed to wait until the full process when through. In the mean time I went to the car dealership XXXX XXXX XXXX in XXXX XXXX XXXX in CA to let them know that I had been pre Approved through XXXX XXXX XXXX. XXXX chief auto told me that it was fine but I need to get approved through another bank in order for them to release the vehicle in case XXXX XXXX XXXX didn't go through. I was pre-aprroved through LENTEGRITY. LENTEGRITY call me and asked if i was going through them, i told them NO, that I was going through XXXX XXXX XXXX. A few days later the process with XXXX XXXX XXXX went through and I signed the paperwork and took the check to XXXX chief auto for the car I purchase. A week later I received a letter from LENTEGRITY that I owe them {$28000.00} with the total amount due of {$560.00} by XX/XX/2023. I told them that I was NOT going through them and that I was taking another route. I never signed paper work through LENTEGRITY and now they are saying that I owe them money. 

Thank you for taking the time to read this. I really need help with this. Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One did not change my legal name which I requested earlear this year. I sent them all the information via certified mail. They did not recive it till XX/XX/2023! The information was never updated till I resubmitted it Thursday by fax then it was updated! But my credit score was NEVER UPDATED, but all 3 credit reporting agencies have it updated in their systems. My credit will not be reported now till XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went and had a background report for an apartment me done and they pulled information that is not mines like the people who used my name is listed as well as their addresses and I got denied for a place to live because of it. There was also a CFPB and FTC enforcement action against Transunion for its rental background check reports. This false report has cause a lot of damage to my lively hood when these people used my identity and information to get things and court dates as well. Better investigation into information that is provided. Those names are listed in my police 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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This collection company continues to violate my consumer rights and continue to lead the credit bureaus on an well with the information I have below. 
Also the buruea has and inaccurate address attached to it to show even more proof of the violation.

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 2023-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
Select Portfolio Services own my mortgage loan On XXXX XXXX XXXX I wired SPS {$20000.00} Wire instructions provided on SPS website Verified the account number on SPS website is same as XXXX  wire status Now a year later SPS wants to foreclose Verified SPS did not credit my mortgage account with {$20000.00} payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I had a credit card balance with first digital, I paid the entire balance and requested closure of the account they closed it but still reported the account as a charge off and i called them they said they dont charge off accounts until 120 days late but on my credit report its inconsistent, my credit report is showing account in good standing on XX/XX/XXXX, then past due 30 days XX/XX/XXXX on XX/XX/XXXX in good standing again then on XX/XX/XXXX i called to pay the whole balance but the month the entire balance was paid yet its listed as a charge off. They informed me they charge off accounts after 120 days so there should be no charge off listed.

Company response to consumer: Closed with explanation