vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a dispute with Synchrony for Lowe 's regarding window installation. Defective windows were installed in XXXX, and still attempting to get a resolution. The dispute was closed because " the store '' contacted me to resolve the issue. However, after contact with the store manager, XXXX, a resolution is still not complete. I am still waiting for Lowe 's to communicate with the manufacturer regarding the defective windows. There is no timeline, in the meantime, the windows do not fully close. Water comes into the house when raining, noise from wind throughout and the resolution is for me to cover my windows inside and out with plastic. 

When I called Synchrony today regarding the closed dispute, I was told that I can not dispute services once the services has been received as " we are a bank and not qualified to determine if the services are done correctly ''. I was told my only recourse is to work with the store, however long that may take, but that payments will resume on the balance.

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 2023-12-01 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX  XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX >> XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX XXXX XXXX  >> XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022

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 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC
State: VA

Complaint narrative:
Purchased my 3rd Carvana vehicle back in mid XXXX. Was told payoff of trade-in, also purchased through Carvana, would be paid off within 10 days. After two weeks and no payment received at the bank, called back into Carvana and was told that payment was already made and to give more time. Called back in after a few more days and was told that the original payment was never made and that there had been a glitch. Was told that payment was being mailed out that same day and would be providing tracking info. Received tracking info later that day that turned out to be bogus. No check had been mailed. I remained in contact with the bank who has to-date still not received payment after 6+ weeks. I have made payments on both cars now and have another payment due on a car that has been in Carvana 's possession for 6 weeks now. In speaking with Carvana rep again, relayed that pay-off bank was requesting payment be made by over-night check complete with relayable tracking number. Was told by Carvana rep that they would do that today and have the tracking number emailed to me and posted to Carvana account by XXXX today. As we were wrapping up call, the system updated and the rep explained an issue that the agreement was posted incorrectly and that they were not sending a check, but going to attempt a transfer ( after failing at least 2 times over 6 weeks ) again. I reminded rep about need for tracking info and the agreed upon overnight check. Rep agreed and reached back out to funding about our agreed upon terms and was simply told that they were no longer overnighting the check. Rep 's hands were tied and could not override their funding department. Tried multiple times to communicate the agreed upon arrangements with them and was rejected. I have 0 confidence in Carvana 's ability to do what they say at this point and would like consumer protection to investigate their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CT

Complaint narrative:
When I purchased a car, the dealer informed me that the installment will be automatically debited on XXXX from my account by Westlake Financial. However, my checking account has not been charged. The lender 's Westlake Financial customer service contacted me on XXXX and I was told that the first payment had to be collected over the phone. So I gave my account number again. And again the first instalment was not charged, as it was explained to me, with next call on XXXX, the account number was written incorrectly, and also the first instalment must be paid by card. And again customer service contact me that they have to cancel instalment payed by card, only has to be made over the phone by checking account. My checking account finally was charged for two instalments on day XXXX. 
In mean time my loan contract was canceled, which nobody notify me. last one consultant, who charged my account already knows, that my contract was cancel, despite this two instalments was charged.

Car dealer contact me and he told me what is exact real situation. Dealer said, that lender sent him a letter on XXXX that my contract is denied. 
So many times I try talk to customer service XXXX, however they are hang up on me. I've sent an email, however lender didn't respond.

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 2023-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am writing to complain about Affirm XXXX Inc. for an erroneous {$1.00} they are attempting to collect as an " unpaid balance '' in the form of additional interest even though I made the payment for the remaining balance of the loan on a scheduled and specified date WITH THE CALCULATED INTEREST FOR THAT DATE - and AHEAD of schedule. This is NOT the first time they have attempted to charge me additional interest because of payment processing and I am XXXX  of them trying to XXXX charge me interest for a payment I WAS SCHEDULED TO HAVE COMPLETELY PAID OFF. THEY ARE EXPLOITING THEIR CUSTOMERS JUST TO MAKE AN EXTRA DOLLAR OR XXXX AND THEY WILL HAVE TO PRY IT FROM MY XXXX XXXX XXXX HANDS. In fact, I am ahead of schedule on the loan and see no reason to be charged interest when I made the payment ahead of the scheduled monthly due date as well. They are trying this with the wrong person. I HAVE HAD ENOUGH!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
Since XX/XX/2022 there was an issue where my payment was not being applied on time. After providing proof via my canceled checks that their bank did process the check on the correct dates I still have no resolution. No one from the company calls me back, I often get put on hold for 30 minutes then get disconnected. They say a manager will call me it never happens. I now send a larger than normal payment and send it early. I am still getting charged late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the CFPB. Complaint XXXX XXXX 

XXXX never provided documentation. For the accounts on my credit report. 

Verification of my accounts needs to be provided or removed from 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 non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I received something in the mail from them for a preselected offer XX/XX/XXXX I called them on XX/XX/XXXX to get a loan and they told me that there was an auto decline the branch manager told me this.. I advised her what the law was and she stated that she gets trained on this and that I don't understand what the law states even though on your website says that denial of credit is considered discrimination you stated that she will not but does not have the ability to reverse the decision.. XXXX XXXX XXXX Branch manager also stated that they get trained on this every year which means she knows what the law is and decided not to rectify the situation after I pointed this fact out to her

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Experian regarding the mishandling and inaccurate reporting of a XXXX XXXX Bankruptcy, reference # XXXX, and incorrect personal information on my credit report. Despite repeated attempts to rectify these errors, Experian has continuously failed to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I initiated a dispute with Experian via mail to address the XXXX XXXX Bankruptcy listed on my credit report. The bankruptcy data presented significant discrepancies and omissions, such as the absence of status, liability, exempt amount, and asset amount, prompting my request for its immediate removal. Simultaneously, I disputed personal information that did not match my identification documents, providing multiple forms of identification to assist Experian in accurately locating my file. However, on XX/XX/2023, Experian responded via email, dismissing my dispute under the pretext of an alleged unauthorized request, which, in turn, negated their responsibility to conduct an investigation within the XXXX period mandated by the FCRA. Subsequent attempts to dispute the inaccuracies through Experians online Document Upload Form on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, yielded inadequate investigation results consistently suggested updates to the disputed items, but without substantial alterations, leaving the inaccuracies intact. Furthermore, Experian 's claim of certification from XXXX, the third-party vendor responsible for verifying public record information, stands in stark contradiction to the responses I received from XXXX. In correspondences dated XX/XX/2023 and XX/XX/2023, XXXX stated their disputes filed with Experian remained unanswered, directly challenging Experian 's claims of investigation and certification of the disputed bankruptcy record.

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 2023-12-01 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: NV

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-01 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: FL

Complaint narrative:
this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX inquiries - XXXX  - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 2023-12-01 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: OH

Complaint narrative:
My information was sold and brought illegally because I was a victim of the Equifax data breech ... I want all items deleted from my credit report effective immediately..I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete the illegal accounts from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX XXXX continues to report these false allegations incorrect information to my consumers credit report. 

XXXX and XXXX has already deleted and removed these incorrect items. 

I feel your company can be some assistance in this matter. Thanks for your help.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I was simply denied my legal rights to purchase and apply for a new credit loan solely based off of Experian credit report bureau since XXXXXXXX  Experian is a consumer worsts nightmare based off this companys data I miied the option to purchase the car priced at {$31000.00} that car was sold I forced based off of the Experian credit report bureau to apply for the same car with a higher price tag and {$8000.00} listed at {$37000.00} this is unfair I bust my tail to pay my bills on time every month this should have never happened

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 2023-12-01 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have set up automatic payments with Aidvantage for student loan repayments. The company has been pulling the money from my account on time every month but charged me an overdraft fee in the process of {$35.00}, despite getting the money on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: SC

Complaint narrative:
XXXX, XXXX XXXX XXXX began servicing my mortgage several months ago. The first issue we encountered was them automatically purchasing hazard insurance for us when had had already provided them documentation we had a current policy. It took several hours and weeks to resolve the issue. Their phone system is a loop of options meant to discourage real customer contact. In addition, they could/would not provide a direct phone number for their insurance center, or an email contact, on any letters or their website. It took multiple calls to their general Customer Service center to find an agent who was competent enough to help find the right person to speak with. 

Today, when I logged on to pay my mortgage, their newly designed website timed out and ended up charging my bank account twice for the mortgage. When I attempted several times to call them, their phone system was not working. Furthermore, there is no email system to help make inquiries about mortgage payments or other service issues. 

This company is clearly trying to save money by eliminating options for human contact or and has been beyond slow and unresponsive. Thank you for allowing this complaint to be filed.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
about 2 months ago i recived a copy of my credit report and i noticed severals accounts that listed of my report that i never apllied for never used

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 2023-12-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX  has been calling me for months over a payday loan that I owed for 2014. They are not even the people that are supposed to be handling the debt anyway because I spoke to someone with Check n Go and they dont even know who XXXX is. That company is a fraud and I told them if they dont stop calling me I would report them to the attorney general office and they still call. Here is their phone number they call from XXXX. Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 



According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation