vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was repossessed on XXXX XXXX XXXX XXXX XXXX, Bridgecrest sent a statement stating the vehicle was sold for {$33000.00} and was applied to the remaining loan balance of {$24000.00}. Their own statement ( dated XXXX  ) says a surplus balance of {$8900.00} would be returned to me via a check. On XXXX  I called Bridgecrest and they informed me they discovered repairs that they could not name that equaled the EXACT amount of the surplus to the XXXX and thus they would be keeping the {$8900.00} surplus that their own statement said was due to me.

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 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: PA

Complaint narrative:
I contacted XXXX at the company multiple times and she informed me her manager was handling these issues and removing me from the collections. It has never happened and the debt collection company keeps contacting me... I want to be removed and never contacted again...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I was never properly contacted by the original creditor informing me of the supposed debt. I was never provided with comprehensive documentation of itemizations that supported the amount of the supposed debt. I was only made aware of the debt when I was alerted to it upon reviewing my credit report. I have also never received tangible verifiable documentation of the debt via the collection agency handling the debt, Hunter Warfield. I contacted Hunter Warfield directly on XX/XX/2023 at XXXX regarding the debt, requesting all information regarding the amount of the debt in question, all details of the calculation process as well as the date the debt was created. Once transferred to the appropriate department, the agent I spoke with possessed an unprovoked disrespectful tone throughout the interaction citing that it was my fault that I was never provided with the details of my debt and that we needed to work to resolve the debt that day to avoid court action against me. The agent then disclosed that {$500.00} of the debt was being charged to me for damages that were incurred as a result of a break in that supposedly occurred some period of time after I was no longer legally a tenant of the address and was residing elsewhere, which doesn't even seem legal to me in the slightest. Due to the agents demeanor and his unnerving claim, I ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I called Bank of America today XX/XX/2023 and spoke with a representative they did not have an account for me. Ive never had an account with Bank of America. They could not find me in their system. It's been reported to my credit report for over one year. It has stopped me from getting approval for an apartment. I'm applaud that a company of such magnitude would be violating my consumer rights. As of 15 Us code 1681-2 they should not be reporting information with actual errors.

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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I got a car with Americas car mart in XXXX, Mo XX/XX/2022. Ive had nothing but issues with the vehicle since I got it. It took them a year to fix my heater. Ive mentioned other issues and they dont even want to address the issues. I paid extra on the loan to add a service contract that is close to expiring. The car is only valued at around {$3000.00} and by the time Im finished paying the vehicle it will have paid XXXX or XXXX on a car that is literally falling apart. The car is going to end up breaking down before its even paid off. This company is crooked and severely over priced on their inverntory. They made me feel as though I was getting a deal but I have not. Not even a month into owning the car I had to replace all the tires on the car, the muffler is going out, the engine/transmission is slipping and half the time the car doesnt want to crank. I no longer want the car and I feel if I try to return the car they will fight me on it. I have already been cheated out of plenty of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My FHA loan was bought by Freedom Mortgage from XXXX XXXX. This was around the time my son was having issues with XXXX and we were dealing with investigations into the facility he was at. I received an email about this transfer and called XXXX XXXX to make sure about the transfer and if there were going to be any changes. They assured me nothing would change. On Friday, XX/XX/2023, I received a call from Freedom Mortgage stating my account was two months behind. I asked how could that be, I have automatic payments from my account. She said it did not show. I told her that XXXX XXXX said everything would remain the same. She said that did not include the bank withdrawal. She asked if I had money trouble and I said absolutely not. I have the money its not a problem. I immediately paid and set up the automatic withdrawal. She informed me they would report me to the credit bureau for late payment. I disputed this and they called me again today to tell me they will report this. I tried to explain that I was misinformed, but he said it was in a letter.

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 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local DA 's office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed all the correct paperwork according to the FCRA and filed a FTC report. I submitted this all to the credit agencies and nothing has been done and the disputes I filed are not being filed correctly.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, XXXX went into a lock-down because of XXXX, so I ended up not having a job. Because of XXXX, I had no way of making monthly payments for my vehicle. I decided to call Infinti Finance Department telling them about my situation regarding making payments.

The employee I spoke with placed me on a forbearance for one month and told me I dont have to make the payment at the end of the forbearance, but that my loan will be extended from the original time it was supposed to be paid off. 

Another month went by, and I still wasnt working, so I called Infinti Finance. They put me on another month of the forbearance. I called the finance department around XX/XX/XXXX requesting to take me off the forbearance so that I could start making payments, which I did moving forward. I set myself up autopay at that time. 

Sometime in XXXX, I received an email saying that I had to pay double the amount for the billing, so I decided to call Infiniti about the matteras I was on autopay. The agent on the phone told me to ignore it and continue to make my monthly payments, which I did as it was set onto autopay. 

XXXX year later in XX/XX/XXXX, I noticed that my credit score dropped horrifically. I called Infiniti and they said that I had XXXX late payments. I was very confused and shocked to find out I was late on a payment because I am on autopay. I asked Infiniti Finance to find out if I can get the situation resolved and they said that it wasnt possible. I even paid what they said I owed, which was the two monthly payments plus the original that comes out automatically every XXXX of the month. 

I am a XXXX XXXX who is serving on XXXX XXXX, and they still wouldnt attempt to accommodate me. I tried telling them exactly the story about how I noticed a double payment and was told by a representative to ignore. A year later I find out it resulted in XXXX of negative late payment remarks on my credit reports. 

At that point I tried disputing for over a year with no results, no help, and no guidance. They dont even care if youre a XXXX XXXX, so I dont know why they even have a XXXX department in their finance department because it very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed all the correct paperwork according to the FCRA and filed a FTC report. I submitted this all to the credit agencies and nothing has been done and the disputes I filed are not being filed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-11 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
My financial institution refuses to handle a problem with a company that has and continues to try to take money out of my account that is fraud. Theyve canceled my debit card without my permission and then noted on the account that the charges were not fraud. I have called repeatedly and tried to have this taken care of with no success.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint to the TRANSUNION. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective November 30, 2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 

I have included my FTC report with the number XXXX as proof of this complaint.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: GA

Complaint narrative:
Believe this is Illegal loan in State of XXXX Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local XXXXXXXX XXXX office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reach Financial LLC
State: WI

Complaint narrative:
I sent at least XXXX and more than likely XXXX emails to the company to see what I am paying for monthly for the next XXXX years. I never received an answer as to what debt is being paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received notification on my Freedom Mortgage on-line account on XX/XX/XXXX that my loan servicing was being transferred to ( JP Morgan/Chase Bank N.A . ) . The effective date of the transfer was XX/XX/XXXX. They failed to give me the required notice within 15 days. They state they sent a letter dated on XX/XX/XXXX via XXXX. Unsure if the letter went out on XX/XX/XXXX and Freedom Mortgage could not provide any proof that it did, but I did not receive it until approx. XX/XX/XXXX. I received a letter from the new loan servicer JP Morgan/Chase on approx XX/XX/XXXX that was dated on XX/XX/XXXX. In the letter it stated that they were my new loan servicer and that I would be able to make my first payment on Chase.com or their app or on-line on XX/XX/XXXX. It did not provide any additional instruction in the event I wanted to payoff the loan prior to this date. I intended to payoff the Mortgage on the XXXX of XXXX, but was unable to due that because JP Morgan/Chase said that the account wouldn't be set-up and available until XX/XX/XXXX. I was unable to login and get a pay-off amount and JP Morgan/Chase did not provide instructions in their letter on how to payoff a mortgage before the account was set-up. When the account went active on XX/XX/XXXX, I tried to access the payment link on the web page and got error message each time I tried. On XX/XX/XXXX, I tried a again and was able to get the link to work, but when I tried to link a payment account, I got error messages stating the instant linking ran into a problem and it would take XXXX days to link the account per a different procedure. This would have led to more interest accrual. I then called JP Morgan/Chase and asked for a retro-active payoff amount for the date of XX/XX/XXXX. They said they couldn't provide that and I would have to pay the current payoff amount. This means that I incurred a daily interest on the loan balance of {$17.00}. This resulted in a total interest increase of {$180.00} to the loan balance when I paid it off on XX/XX/XXXX. I believe that they did not act in good faith on providing instructions on how to payoff the loan prior to the account becoming active on-line. I asked them to refund the interest amount of {$180.00}, but they refused. I then was told that I could go into a Chase bank and payoff the mortgage in person which I did on XX/XX/XXXX. The payoff amount included the interest that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My phone was stolen and hacked into using my on the XX/XX/2023 and on XX/XX/2023 a XXXX transaction was made for {$470.00} i was not in possession of my phone at all because it had been stolen and i provided paper documents that report that i was not in possession of my phone when those transactions were made. Chase bank refuses to give me a refund even though i provided them with proof that my phone was not in my possession when those transactions were made.

Company response to consumer: Closed with explanation