vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Not Liable, Car Was A Lemon, Repossessed. And Auctioned!

Unfair And Illegal Interest Rate 24.99 % NYS! 

Requesting Credit Acceptance Corps To Delete and Cease To Exist Their Predatory Damaging Information On All Three Of My Credit Report 's ... XXXX, XXXX and XXXX! 

First Formost Violated My Equal Credit Opportunity Act As A Consumer. And So Far Violated NYS ... Ucc Law 9 - 610, General Business Law 349, Gen. Oblig. Law 5 - 501 ( 1 ), Banking Law 14 a ( 1 ) And NYS Lemon Law In June/2012 In need of a car for work. I walk into one of Credit Acceptance Corps car dealership XXXX XXXX XXXX XXXX in XXXX NY with {$2200.00}. The car was {$12000.00}. They said they help me finance the rest at 14 % Interest. Unaware of loans and interest and there persuasionion tactics they had me sign papers for the car. I left the Car Dealer with two documents. # 1 Document ... Retail Purchase Agreement a break down taxes, registration and sevice contract, totaling {$14000.00}. # 2 Documents was registration and inspection papers.The car was a Severely Corroded and a Mechanical Lemon ... corroded undercarriage, transmission clucking noise and hard knocking in the engine. No one would honor the service contract because of the severe mechanical issues. I contacted Credit Acceptance Corps and XXXXXXXX XXXX XXXX XXXX the car dealer about the issues with the car to no avail they suggested that im responsible to get it fixed. Four years later XXXX i got sick missed a monthly payment. Without notice Credit Acceptance Corps Repossessed the car and auctioned it without giving me notice. 
In XX/XX/XXXX i recieved a collection notce from a law firm hired by Credit Acceptance Corps to collect some balance. That collection notice came with a # 3 Document i signed but was never given to me when i first recieve the other documents when leaving with the car XXXX. That third document had the true finance break down including the interest rate they charge me with which was 24.99 %. 

Once Again And Keeping It Briefly ... Requesting Credit Acceptance Corps To Delete and Cease To Exist All Their Info On All Three Of My Credit Report 's ... XXXX, XXXX  and XXXX. 

Not Liable, Car Was Lemon, Repossessed, Auctioned ... NOT LIABLE! 

PS ... NYS Consumer Affairs, NYS Attorney General, NYS Civil Suit and NYS Criminal Law ... ( Penal Law 190.40 ) Thank You 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 explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on 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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on 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 2018-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: MD

Complaint narrative:
See my prior complaints filed against them DriveTime and XXXX XXXX XXXX. Has been a game of cat and mouse and cant get straight answers from either. Both company 's push blame for miscommunication on each other. My latest complaint and question is what gave them the consideration and/or details of what went into me getting a higher interest rate on my new contract with them after they bought back my other vehicle. XXXX has stated that when I had signed my new contract that my other loan was still on my credit so it went into the consideration for my new interest rate on my current vehicle. What was used to justify me getting a higher interest rate on a vehicle that I actually financed for {$100.00} less than my other loan which was deleted? I was given a higher interest rate and over the life of loan I am paying over {$600.00} more because of the higher interest rate and 3 more payments. all of my other on time payments that my other contract showed should if anything made my interest rate stay the same not go up if anything should go down. Upon calling XXXX and asking what goes into consideration on getting an interest rate I was told by XXXX who nows my case well that XXXX doesn't set the interest rate the dealership does so this is my question how is this justifiable.

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 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/18 I asked that they stopped calling as I told them when I could make a payment. This conversation was never recorded. They have continued to call 3-4x a day and said they have every right to. On the XXXX I did tell her I would file harrassment charges with you. Again she said this was notated. Tonight I spoke with XXXX that transferred me to XXXX that transferred to his supervisor XXXX who then transferred me back to XXXX who then transferred me to XXXX agent # XXXX. They all told me they had a right to call up to 4x a day until they received a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX  and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX  needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX   XXXXXXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment. 

I made a complaint here on XX/XX/XXXX, after which I received another letter from them, claiming charges made after the account was closed were waved and that I would receive a " refund check '' of money they do not owe me. No payment has arrived, but I am not looking for that. 

Today XX/XX/XXXX I received another letter from them claiming my account was closed, charges waived and payment sent to me ( it has not come ). They also reminded me that they will NEVER remove my records from their database, after I asked they do so by phone and in my complaint. 

Not sure how I make the bureau and the bank understand ; I do not EVER want to be contacted by them again, nor do I have any interest in doing business with them again, ever. Further, I do not want my information in their records so they may suddenly decide again that I owe them money, after my account was supposedly closed. How do I rid myself of this bank?

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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion removed an account from my report because it was fraudulent, and they illegally inserted this same account back onto 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 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was less than 60 days past due on my payment but the company reported me 60 days past due. I called the call center on XX/XX/XXXX. I gave my husband verbal authorization to speak to the agent. The agent explained to us that their company only reports negative reporting when an account is 60 days past due. The agent confirmed that the XX/XX/XXXX payment was made on theXX/XX/XXXX. The payment that was due on XX/XX/XXXX was paid on XX/XX/XXXX. We made a payment on XX/XX/XXXX it was returned, and that was our fault, thus the XX/XX/XXXX payment remained outstanding, once we became aware that the prior payment was returned, we paid it again when we paid the entire balance on XX/XX/XXXX. All these due dates and payments as described here are not in dispute with the credit card company or us. The dispute arises when the agent explained that the XX/XX/XXXX payment, which was not made until XX/XX/XXXX, was actually 60 days past due based on the billing cycle. That is wrong, I can't wait for them to pull out some fine print to somehow explain that a due date printed on a statement is not really the due date. Once I get whatever answer that I can not even conceive of, then I will move to phase two of this complaint on how deceptive a practice it is to have a due date not really be the due date.

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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted XXXX documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to disability papers. EVERY TIME I call equifax they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many XXXX  not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me XXXX  verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to equfax by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XX/XX/XXXX its always been there. This isnt true. Equifax has failed to give me how it was added in XXXX. I want proof XXXX  initiated adding it recently. If they did not. It needs to be removed. Please equifax dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX  stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX  states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XXXX and XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XXXX to XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2018- XX/XX/2018 someone hacked into my mobile banking app and made XXXX   transfers were made on my account totaling an amount of XXXX . I claim was filed on XX/XX/2018 with Bank of America but there was no resolve.

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Freedom mortgage is claiming there is a shortage in the amount needed for my escrow and claim that it is due to a random " estimation '' with no proof to back it up. They are forcing me to pay an extra {$300.00} immediately, plus {$5.00} increase in my escrow per month. 

Looking up reviews on the company, Freedom Mortgage frequently does this scam and frequently claims the escrow account is " empty '' even after paying into the escrow and the company has not paid anything out of it.

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 2018-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Forster & Garbus LLP
State: NV

Complaint narrative:
In early XXXX, I was being garnished by a law firm called " forster & garbus ''. I changed jobs and did not know the garnishment wouldn't switch over automatically. They did not contact me and immediately started garnishing my mother 's income at over $ 600 monthly. I tried to contact them to arrange payments and they would not speak to me or work with me to arrange payments. They also placed a lien on my mother 's house for {$60000.00} in late XXXX and never notified her about it. She recently went to refinance her house and found out about it. Her and my stepfather were going to refinance their house in order to assist with their finances to prepare for retirement and now they can't. These is completely unfair to them and incomprehensible considering this law firm would not even speak to me to arrange payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I took a leave of a sense and when I returned the school was shut down and no longer exists

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Clarity Services
State: TX

Complaint narrative:
XXXX  continues to list fraudulent inquiries on my Consumer XXXX report that I have already notified XXXX  were fraud. These inquiries did not start appearing until my wallet was stolen. Inside my wallet was my social security card, drivers license and even my email address. I did notify the police of this theft, and also created an FTC Identity Theft Affidavit which all consumer credit bureaus have as well as XXXX  on file. Per the FCRA if you are victim of identity theft, and you present a identity theft affidavit to the consumer reporting company explaining the theft and they refuse to do clear any of the information you notified them of fraud. Then the company is knowingly allowing fraudulent information to be placed on my Consumer report. Let me list out some of the things XXXX has refused to block. 

1. Illegal Address reported by XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX and XXXX Texas. I have never lived at this address ever, and this has been listed on my FTC Affidavit. 
2. Illegal Address reported by XXXX  - XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
3. Illegal Inquiries that XXXX continues to allow and actually place on my consumer report themselves. The company continues to violate the protection laws put in place to protect victims of identity theft. Per the CFPB if you are victim of Fraud and you notify the company of this illegal activity and the company refuses to block such fraudulent information you can then proceed to arbitration. I will be pursuing an attorney to then contact XXXX. 
4. Illegal Inquiries - XXXX, Clarity Services - I have reached out to Clarity services, and actually had XXXX block Clarity Services Inquiries on My XXXX Credit report. Therefore Clarity Services has been notified that I did not allow or authorize Clarity services to access my XXXX  Report ever. This is again fraudulent. 
5. I do not have to legally have any law enforcement officer sign anything as I have already reported the crime to the law enforcement agency. FTC is a government agency which reports the theft and crime network for law enforcement officers. Additionally XXXX has allowed XXXX XXXX to inquiry and XXXX XXXX XXXX, They allowed XXXX XXXX XXXX to inquiry three times, They allowed XXXX XXXX Inquiry to go through even after stating they blocked this inquiry. They allowed XXXX XXXX XXXX, which they stated they removed, they allowed XXXX at least 15 times, They have allowed XXXX XXXX, XXXX XXXX XXXX. I did not authorize any of these inquiries these are fraudulent as a result of my wallet being stolen. I already reported this as identity theft, I have already placed a security freeze on my report. Please place a fraud alert and block this information immediately. I am forwarding this to clarity services as well for follow up.

Company response to consumer: Closed with explanation