vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: Carvana Group, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, I secured a loan for a XXXX XXXX XXXX through an online car vendor, Carvana. At the time of the purchase there was a limited warranty in effect. I drove the car the day it was delivered and heard a clicking ( or rattling noise ), but assumed it was a characteristic of the vehicle make ( XXXX ) since I had never owned one before. Immediately following delivery of the vehicle ( the following day ), the car would not start. I had it towed to a recommended repair facility ( XXXX XXXX- XXXX XXXX   XXXX XXXX, XXXX XXXX NJ XXXX ) where I had informed them of my concerns and asked them to ensure that the any necessary repairs were taken care of. Although I did not feel satisfied with the response that I was told it was only a battery that needed to be replaced, I trusted what I was told since the vehicle was looked at, at a licensed repair facility. Fast forward a month or two, I was directly impacted by the current pandemic by being laid off of my job, XXXX XXXX for the XXXX and having and owned a " new '' vehicle that I was having issues with. I called back and spoke with a woman about this issue who instructed me to take the car back to a repair facility, however I was unable to take the car since I knew I had to quarantine for the safety of myself, family and others. About a week ago now, the check engine light in the vehicle came on but at this time, I am approximately 5k miles over the mileage limit to be covered under the manufactures warranty. I had to have the truck towed to the dealer as it was not reliable at the time because it would shut off had I attempted to drive it. Ultimately, I ended up paying approximately {$400.00} out of pocket for the repair which should not be responsibility. I KNEW there was a pre-existing issue and made multiple attempts to inform who I needed to, however the repair facility, warranty company AND dealer never documented my attempts to have this issue resolved. I spoke with a helpful representative today ( XXXX ) who said that he could see in his system a record of my calls, but then transferred me to a woman who said she could not and she disconnected the call once I informed her I would write a complaint to the CFPB. I advised her that I had spoken to their warranty company XXXX XXXX XXXX XXXX the day prior and was told that all she had to do was to inform them of the documented issue, however she is saying that it was not. As a customer, I feel that I am being treated unfairly and subjectively without the root of the issue being addressed. I am out of work and have an additional financial burden at this time and now the vendor will not assist in resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: IL

Complaint narrative:
Credit bureaus did not respond to my letter of inaccuracies on my credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and Transunion have been given dispute letters contesting Bankruptcies reporting on to the credit report. 
Transunion/XXXX  are reporting a false address as current address.

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 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Responded to an email from Upgrade Loans. Date XX/XX/2021. 
Was contacted first by XXXX XXXX, then by XXXX XXXX. Was advised that was approved for {$5000.00}. Advised needed {$2500.00}. Asked if {$3000.00} would be okay. Agreed to that amount. Said wanted to test the system after all information was given. Would send/ deposit {$1900.00} into my account on the condition that it be sent back. Agreed. When the funds arrived called XXXX XXXX XXXX XXXX XXXX for directions on sending funds back. Was advised to go to store XXXX XXXX, XXXX XXXX and get XXXX gift cards and advise when get them. At XXXX was able to get two cards totaling {$1000.00}. Took pictures of them and sent to Mr. XXXX. Was advised to try XXXX. Tried but the card rejected. Received a call from my bank asking if I had called them ( added that the person called had a heavy accent. Advised no, and a hold was put on my account, adding that I need to personally go to the bank in order for it to be released. 
About to go, but, I want to withdraw the remaining balance of {$950.00} and send back. Also, will advise that will not accept the loan. If good, then will know that the company is okay. If not, then I will know that there is a problem with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed a charge on my credit card because a XXXX did not performed authorized services on my pet. 

I authorized procedures to be performed, and the vet noted they did not have the right tool on hand to perform the procedure after various supportive care was already performed ( e.g ; putting the pet under XXXX  ). I was charged for XXXX  and various supportive services for the procedure, despite the procedure not being performed ( camera into dogs XXXX, XXXX XXXX XXXX, etc ). 

The bank refused to resolve the dispute, noting that because XXXX  happened, it was okay for me to be charged. 

That is insane. You would never be charged for someone putting you under XXXX  by mistake and forgetting the tools to actually perform the XXXX. The bank refused to view the dispute any other way. 


Bank of America has continually said conflicting things. Representatives said showing the invoices being charged by a new vet that showed the same procedures would be sufficient proof - but then renegged and said they needed a signed letter, but I was responsible for the balance. 

Bank of America is claiming the dispute is " closed '', but telling me to provide more information. In substance, the dispute is not closed, they are just calling it closed in form to collect the balance, despite ongoing consultations and being told to provide more information. This is evidenced by BOA having 3 versions of my claims going on under the following : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding TransUnion not reporting my information correctly. I have provided documentation to TransUnion verifying my identification and address. TransUnion continues to report they can not identify me, this is very alarming to me. 
I have provided my paystub, my social security card, my birth certificate and now my passport. Now I am having to keep sending all of my personal information out just so that TransUnion can tell me that they can't identify me?? Somehow TransUnion must be reporting someone elses information on my report because when I spoke with them on the phone today, their verifying questions do not even pertain to me, additionally TransUnion had an employer reporting that I have never worked for and an auto loan that was not ever mine? Yet, TransUnion will not update MY information?? And because of this, I can not obtain credit because no one can verify MY information. This has been going on for over a year now! An d now TransUnion is telling me that a freeze has been placed on my report and wanting a pin number to reset it?? What I also do not understand is TransUnion did have my correct address reporting XXXX of 2020, but then changed it sometime to an incorrect address?? Why?? ( see attachments ) This entire situation is ridiculous, and TransUnion is directly interfering with my financial abilities and preventing me from advancing financially.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX int The follow Transunion is showing account as open while XXXX  & XXXX  are showing account closed. This does not meet Fcra requirements as stated in transunion remarks & they are inaccurate.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.

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 2021-01-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS

Complaint narrative:
On XX/XX/2021 I received the email twice threatening criminal charges and to report to social security. I'm on SSI, I haven't had the money to pay. I will pay as soon as I can. I'm an XXXX  XXXX person it's wrong to scare me with emails such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: IL

Complaint narrative:
Credit bureaus have not responded to my letter of I accuracies on my credit file with their company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
so many problems with wells fargo. a. they are not calculating my interest correctly. b they did not show the XXXX payment which was my XXXX  XXXX payment on my next statement. c. they paid my homeowners insurance a month early last year and are now using that as the basis to say my escrow account has a shortfall and they want to raise my payments. d. the escrow history they sent dated XX/XX/XXXX does not reflect the XXXX payment i made on XX/XX/XXXX XXXX they are also showing that i did not make escrow payments some months in XXXX which is total XXXX. since my escrow payment is currently {$250.00} a month this would cover the {$220.00} that they say i am short in my escrow. perhaps you need to fine them another XXXX XXXX dollars as they seem to continue to do questionably legal things. Am wondering how many 1000 's of people they are illegally assesing these trumped up charges due to there errors on. 

please start a full and complete investigation as it is clear by there repeated actions that they they seem to think they can just do whatever makes them the most money and that they feel they are above the rules and regulations.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page 5 para 2 ) XXXX  representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page XXXX  para 2 ) XXXX representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?

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 2021-01-20 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: AR

Complaint narrative:
Citibank is reporting a dispute on my credit report that should not be present. I have asked Citibank to delete the dispute comment and I have asked all credit reporting agencies to remove the dispute. I have asked Citibank to remove the dispute comments. Neither entity will update my credit report comments. Please remove the dispute comments, I am not disputing the 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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hard Inquiries XXXX/XXXX  : XXXX 2020 XXXX XXXX : XX/XX/2020 XXXX XXXX XXXX XXXX,2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX XXXX  XXXX : XXXX XXXX2020 XXXX, Transunion I don not recognize or recall these statements

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at Transunion, and XXXX. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of Transunion, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

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 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I paid off my mortgage on the XX/XX/XXXX. Despite several contacts, Alliant Credit Union nor their mortgage partner has completed the release of lien on my property. This is despite numerous calls, emails requesting this. They have disregarded my requests they have pointed the finger at the other, they have lied directly to me several times. Today is XX/XX/XXXX. It's been four months and there is nothing provided on property deed nor on the XXXX County Recorder 's website. We received an insulting, unsigned letter from Alliant which was a form letter from their Customer Service department. 
I paid them what II borrowed. I paid as required and then some. They want to keep my property?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I applied to have a credit card credit limit increase with the XXXX XXXX XXXX XXXX XXXX. I was told the application could not be processed, due to my SSN not matching what was being reported by Equifax. The first three numbers of my SSN had been change on my Equifax file. I have called Equifax on XX/XX/2021 upon learning of this fact. The call center in XXXX, which appears to be the only way to contact Equifax was decidedly unhelpful. 

I have mailed a request for an investigation and remedy of this matter to Equifax. I want to know how my SSN was changed in their system. Who initiated this change, and what information is currently attached to my original SSN. 

It is ridiculous how you ( the Federal Government ) allow these agencies to hide behind screens of anonymity and a lack of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
Credit bureaus have not responded to my letters that was sent 30+ days ago in regards to accuracies on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX int The follow XXXX is showing account as open while Equifax & XXXX are showing account closed. This does not meet Fcra requirements as stated in XXXX remarks & they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX XXXX The follow XXXX is showing account as open while XXXX & Experian are showing account closed. This does not meet Fcra requirements as stated in transunion remarks & they are inaccurate.

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