vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against American Credit Acceptance regarding an auto loan that was initially co-signed by my ex-wife and myself. Despite my status as the primary borrower, I was kept in the dark regarding key decisions that have severely impacted my financial health and credit score.

Here 's a summary of the situation : 1. During our divorce, my ex-wife left me the car, as I used it for my XXXX business. Upon receiving it, I realized the loan was upside down. 
2. I took steps to resolve the debt by voluntarily surrendering the car for repossession.

3. Unbeknownst to me, American Credit Acceptance allowed my ex-wife to redeem the car.

This decision reactivated my financial obligation without my consent or even notifying me. 4. I found out about the unauthorized transaction only when I was contacted by the lender about my ex-wife 's delinquency on payments. 5. Requests to be removed from the loan or gain access to relevant documents have been met with resistance or outright denial. 

The actions of American Credit Acceptance have put me in a compromising financial situation without my consent and without proper notification. 

Key Issues : - Lack of Communication : I was never informed of the decision to allow the redemption of the car by my ex-wife, thus reactivating a loan I had considered resolved.

- Unauthorized Transaction : The car was in my possession and was voluntarily surrendered by me. American Credit Acceptance should not have allowed someone not in possession of the vehicle to redeem it.

- Inadequate Resolution : My requests to remove myself from the loan or at least gain access to my account details have been ignored or lied about.

These actions not only violate ethical norms but may also contravene financial laws and regulations. I am seeking immediate resolution of this matter, including removal from this loan and a correction of all associated credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: EdFinancial Services
State: NV

Complaint narrative:
I paid off my entire loan balance on EdFinancials original website. Once they moved to their new platform I saw that I had an outstanding amount. I contacted them and they told me that the amount would go away. However, this was months ago and the loan is now accruing interest. I called them again, but they told me that they did not have records of me paying off this loan. Thankfully, I saved the receipts of the transactions. I am trying to contact them again, however it is extremely difficult to get someone on the line. Their online chat system has also been down for over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
They have been dropping my score for no reason. I have also asked that all addresses and phone numbers be removed except mine : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  But they acted like I never sent this letter. I have XXXX copies and returned receipts to prove I have told them to correct all the other address on my accounts that are not mine. They have no XXXX. Reason for the drops of credit for no reason at all, nothing added or dropped! Its absurd what they get away with. They are reporting inaccurate information on my report for a long time now.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
They have been dropping my score for no reason. I have also asked that all addresses and phone numbers be removed except mine : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX But they acted like I never sent this letter. I have XXXX copies and returned receipts to prove I have told them to correct all the other address on my accounts that are not mine. They have no XXXX. Reason for the drops of credit for no reason at all, nothing added or dropped! Its absurd what they get away with. They are reporting inaccurate information on my report for a long time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I successfully completed a XXXX XXXX bankruptcy several years ago. During that time SallieMae/Navient received portions of my monthly payment ( though not in monthly intervals, but as the court decided to send them out ) and the loans continued to accrue interest. 
At the end of that time, when monthly payments resumed with Navient, I called to see what could be done with payment amounts and they said I qualified for the rate reduction program, but in order to participate, I had to agree to have the accrued interest compounded onto the principal amount. I thought this was the interest that would accrue during the time of the program- as I previously understood deferments/forbearances to do. I found out I was wrong. All along, every time I agreed to have the interest added to the principal, they were adding ALL the outstanding interest, not just the interest for the time frame I was requesting forbearance/deferment for. I didn't know that. So this time, after 5 years of bankruptcy payments, they added over {$17000.00} in interest to my principal. As a result, my principal balances are more than double what they were the day I took them out between XXXX and XXXX. Yes, my interest rate is lower, and my payments are $ XXXX, but in order to be able to meet a monthly requirement, I had to agree to take on double the debt. I have to reapply for the program every 6 months, and due to the fed rate increases that 'reduced rate ' has gone up every 6 months ( my orig payment was $ XXXX, but it's been creeping up with every renewal. ) I finished school in XXXX and have paid on these loans ever since then - taking deferments and forbearances as I've had to, and even going through a bankruptcy, since I had no one to fall back on when money was short. Often I put my federal student loans into deferment to pay on these ones. 
How is this not predatory lending? How can they be allowed to compound interest earned during a bankruptcy that was supposed to offer relief? How can they be allowed to compound interest onto the principal at all, let alone without a ceiling? How am I EVER supposed to get out from under these student loans and still live a life?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am being charged XXXX from Ally Auto I have called several times and try to obtain info as to what the charge is for no one can tell me first they said it was a payment that was not made I told them I could provide proof from my bank account to show the payment was made but the person I spoke to would not allow me to forward the info I called and ask to speak to a supervisor several times no one calls me back.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This is a follow up for the earlier complaint # XXXX The company not only did not address the issues but accused me of improperly filling out the forms that they claim they needed. On XX/XX/XXXX I received a email that they need more time to " study the issue '' to address it better. After XXXX month on XX/XX/XXXX I received a call from Wells Fargo representative stating that I didn't put zip code on my application and that it is my responsibility to fill out all their forms correctly. I did check my forms after the conversation and it have the zip code clearly stated on the form. So the Wells Fargo Rep. either did not look at the forms herself or is intentionally lying to shift the blame. After XXXX month of " studying the issue '' the only thing they could come up is to falsely blame me in filling out the forms wrong. It is not the kind of customer service I expect from the company that holds my money. I scheduled appointments 3 times to try to seek an advice of their branch representatives and branch manager of how to fill out all the forms correctly. I believe it is the responsibility of the company to provide the counsel to their customers of how to fill out the proper documentation as well as provide the feedback if any of the documents are not filled out correctly. I received none. My account was closed without a warning. It caused a severe strain in my ability to run my business.

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 2023-09-20 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I recently purchased a truck through first National Bank of Pennsylvania. My first payment was due in XXXX. They would not take my payment over the phone and I was forced to mail a check. However something happened in the mail and it was returned to me. It looks like the XXXX sorting machine stripped off the label First National provided. I called first National Bank to try again and was told the only way to make a payment over the phone is when you are delinquent and past your grace period. Which of course means you incur a late fee. They waved the first one from XXXX. I just called to try and pay my XXXX truck payment and was told I could not until I was past my grace period. they told me I could come into a branch, but I do not live anywhere near a branch. They told me I could ACH transfer between from my bank and set that up electronically. I informed them that I do not do that any longer because I've had trouble with my information being hacked in the past. I'd like to file a complaint because they are making it extremely difficult for me to make a timely payment without incurring any kind of fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
As of XX/XX/XXXX I have made the 120 payments to be eligible for XXXX. According to Mohela, I have to wait 90 business days for the certification form to be processed and another 90 business days after that for forgiveness to actually happen. 

Furthermore, one must be currently employed with the non-profit organization when forgiveness happens. These delays add almost another 6 months during which one can not seek alternative employment in the private sector, amounting to more than a 10 year commitment as the program advertises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding LLC is claiming I owe a debt to them for the amount of {$8000.00}. I have requested they provide documentation where I signed and got into a contract with LVNV Funding LLC showing I owe them. They have not provided documentation requested and they have posted the collection on my credit report which has negatively impacted my credit report preventing me to be approved for a credit card and vehicle purchase which I desperately need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
ON XXXX XXXX I CREATE AN ACCOUNT FOR TRANSFER MY MONEY ( XXXX ) FROM XXXX ( XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  XXXX. MY MONEY DIDN'T ARRIVE SAFFETELY THEY SEND ME REQUIREMENTS OF MY PERSONAL INFORMATION OF THE ACCOUNT IN EMAILS. THEN MY DEBIT CARD THAT WAS PROVIDED FOR MAKE THE TRANSFER, THEY TRY TO MAKE CHARGES IN DIFFERENT STORES OF CALIFORNIA IN XXXX I WAS VICTIM DE SCAM OR FRAUD AFTER THEY MAKE THE CHARGE APPROVED BY ME. MY MONEY WAS DEBITED FROM MY BANK ACCOUNT ( XXXX ) WITHOUT AUTORIZATION. VIOLATING MY SECURITY INFORMATION THEY GIVE ME A RESOLUTION OF REFUND MY FUNDS. THE NEXT DAY THE TOLD ME THEY WON'T REFUND ME BECAUSE WHAT HIS AGENTS SAID WAS NOT GUARANTEED IN THESE DAYS. AGENTS HANG UP MY CALLS.AND DIDN'T TRATE ME WITH RESPECT. MY XXXX BANK ACCOUNT IS NOW IN INVESTIGATION OF XXXX. I DONT HAVE ACCESS, I WAS TRYING TO LOOK VERY CLOSE WHAT HAPPEN AND I GUESS I HAVE A XXXX ( PHONE WITH XXXX  ) I CONNECT TO A LOT OF WI-FI IN AIRPORTS AND ONE OF THE COMPANY REMITLY STOLE MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I opened a Relationship Checking XXXX and online saving account XXXX online at BMO.com. Part of the reason for opening the account was an advertisement on BMO website showing a {$600.00} bonus if a Relationship Checking account was opened and {$7500.00} in qualifying direct deposits were made within the first 120 days. 

Starting in XXXX I changed my work direct deposit to go to my BMO relationship Checking account and over {$10000.00} was deposited that month. 

Last month I contacted the bank asking what happened to my bonus and was told that they did not see a bonus on the account. On XX/XX/XXXX I went to the bank and spoke to a agent who told me that I needed to have a code on the account to receive the bonus. 

I feel this deceptive advertisement and request {$600.00} be deposited in 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT TBOM/VT # XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX XXXX XXXX THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was sent a letter from XXXX saying there was a breach and my personal information was leaked when I checked my credit report there was accounts and inquiries that didn't belong to me I filled a report with th ftc as advised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In my 1st complaint I stated the following I have reached out to all 3 major credit bureaus, asking them to verify these accounts and to do investigation on everything on my credit report, and they did. The 3 major credit bureaus stated that everything was accurate. After looking over my credit reports and doing my own research I found some inaccurate items still listed on my reports. Some items are being reported on different dates some items show that the accounts were open on different dates. I advised that my credit report show be accurate across the board and should not have any discrepancies. This is not the case in my situation. In accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, they are not the original debtors and I have not signed any paperwork with this company. Therefore I demand this account to be removed from my credit report. 

I received a response from Equifax stating the account is no longer reporting on my credit report but today as of XXXX the account # XXXX is still reporting on my report Please remove and delete this account from my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, I have not signed any legal document with this company.. Therefore I demand this account to be removed from my credit report

Company response to consumer: Closed with non-monetary relief