vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CARVANT FINANCIAL LLC
State: VA

Complaint narrative:
I purchased a vehicle a month ago and got approved by Carvant Financial LLC. I have provided all the information to the dealership and was told everything was good to go and the loan was authorized to be funded. I have the paperwork to prove that to go with the approval letter. The dealer informed me that the owner of the company XXXX XXXX wanted the dealer to fix one of his vehicles before Carvant will release funds to the dealership. The dealership has all the necessary paperwork to show that the loan was finalized.

The dealership informed me 2 hours ago about this and sad they have more customers in my position, they will file complaints too and we are looking into hiring a lawyer together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I have recieved from Credence Resource Management LLC a bill for  XXXX  XXXX  in the Amount of {$230.00}, repeatedly this past week, I have recieved phone calls to either have " discount payments '' or to have it " auto debited from my account '' " this way, " THERE WOULD BE NO CREDIT REPORTING BECAUSE IT IS DUE NOW TO BE ON YOUR CREDIT REPORT ''. I set up a {$20.00} a month payment, I am on Government XXXX and have other payments to make then their Royal Majesty 's aforesaid. This little bill better NOT go on my credit report or I will sue the living snot out of these people. The Phone calls and the Credit Report Damage Threats need to come to a grinding halt. I have kept my end of the bargain. Mam or Sir, As Uncle XXXX pays me, I will pay Credence/XXXX XXXX XXXX XXXX. Any further problems, I want a Lawyer!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The account is inaccurate, please delete.

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage is serviced by XXXX XXXX Loan Care. I have repeatedly asked to receive mortgage statements before the first of the month to ensure my payment is received in time. XXXX XXXX Loan Care LLC has routinely sent out my monthly statements delayed so that there is no possible way to submit a payment by mail with enough time to avoid a late fee. I have repeatedly requested via email and by talking to customer service directly over the phone and have asked to have statements mailed out earlier. To date they have failed to honor this request and continue to assess late fees. I need help getting this remedied. XXXX XXXX should not be allowed to remain in 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 explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I tried to get the credit report online in XXXX & other credit websites, also tried to apply CreditCard in bank websites, but i am getting the response as " Your personal information doesn't match with credit bureau records '' .. I strongly believe that my Credit information is missing the Credit Database.

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 2020-10-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had over {$9000.00} dollars in a Chime banking account. I received a text message from Chime on XX/XX/2020 asking about unusual activity and whether I was responsible for it. I replied " No '' via text as instructed. I then received a call from Chime. They told me someone had hacked into my account and was in control of it. They assured me my account was secure. It appears as though they were incorrect with that. I now have only XXXX cents in my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AC 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 2020-10-06 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The account is inaccurate and do not belong to me, please delete.

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 2020-10-06 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: DC

Complaint narrative:
I was trying to get credit for my new business & was denied due to a public record.. wrongfully on my credit profile ... I reach out to credit bureau asking for it to be remove ... explaining how its affecting me. I reach out to the court house explaining its not accurate. The court clerk responded an said they dont report to credit bureaus and also sent me a letter stating the facts ... I reach out to the credit bureaus once again only to be in the same situation not able to start my business due to inaccurate reporting on my credit file ... thanks Im asking for help about this matter. 
Thanks in advance, 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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a previous complaint # XXXX to CFPB as Equifax had no data for my loan office to obtain. I was contacted by XXXX XXXX from Equifax whom asked me to provide a copy of my drivers license and Social Security card so she could verify my identity. After numerous back and forth conversations, she advised me that my account was taken care of. Well needless to say, my account is far from taken care of. I am attaching a copy of the credit bureau data for all 3 credit reporting agencies and Equifax is showing me a credit score of 4 with no data and both XXXX and  XXXX  have a credit score for me of XXXX & XXXX and substantial reporting data. Equifax is restricting my ability to be able to secure a home loan as they have no reporting data for me and a credit score of XXXX  How can a credit reporting agency impact a consumer this way? I know the CFPB takes matters like this extremely important. I feel I am not being treated equally and I have asked numerous times for Equifax to explain what happened and why this has become quite the cumbersome task that I am asking them to complete. Doesn't Equifax have an obligation to report the facts on my credit report? How can the facts be reported accurately from 2 other credit reporting agencies? 

I have reached out to Equifax numerous times since XX/XX/XXXX and it is no longer good for my health or well being to be put in this situation. I feel they are discriminating against me based on my background that I have shared with them and my age which is why I am asking the CFPB to get involved and resolve this matter. I have been working with XXXX XXXX, from XXXX XXXX XXXX  for almost a month now and he is waiting on answers as well to why he can't obtain any information on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I tried to get the credit report online in XXXX & other credit websites, also tried to apply CreditCard in bank websites, but i am getting the response as " Your personal information doesn't match with credit bureau records '' .. I strongly believe that my Credit information is missing the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I applied for a Citibank XXXX XXXX account on XX/XX/2020. I spoke on a Live Chat with a representative named XXXX who told me the interest rate would not be any lower than .90 %. When I tried to fund the account on XX/XX/2020, I saw the interest rate had changed to .70 %. I spoke Citibank 's " Dedicated Account Management Team '' and I was told the interest had changed and the would not honor the guaranteed rate of .90 %. I have screenshots of my Live Chat with XXXX, the representative I spoke with on XX/XX/2020. I feel I was baited into opening an account with Citibank.

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
When refinancing our mortgage away from Shellpoint loan servicing in XXXX/XXXX 2020, we attempted to stop an unnecessary payment of > {$4300.00} on XX/XX/XXXX we were told not to make as our loan was about to be payed off. When I attempted to stop the payment on their web site, it would not allow me and repeatedly crashed. When I made repeated attempts to speak to someone at Shellpoint to stop the payment, I was shunted off to one department after another and repeatedly told the payment couldn't be stopped or canceled. I ultimately told my bank, XXXX XXXX after the payment was made against my wishes, to stop the ACH payment and reverse the charge. When I finally got ahold of someone at Shellpoint who said " Oh, anyone you spoke to could have stopped the payment. '' he said he'd clear it up and they'd refund the money, sending a check. Since I had told my bank to reverse the charge I called Shellpoint and asked what to do with the check and they told me not to cash it since the bank had already reversed the charge. They did NOT tell me to send it back because it was a cashiers check and they did NOT tell me there was a payment delinquency registering against us because of this. Later, after we refinanced, I received a bill for a mortgage payment from Shellpoint. I called and asked if anything was wrong and they said to ignore it, there was no problem. Fast forward to XX/XX/2020, and I find my family 's credit is damaged because that bill they told me to ignore was listed by them as resulting in a delinquent payment, which they subsequently reported to the credit ratings agencies, resulting in severe damage to our credit while, in fact, Shellpoint repeatedly failed us and lied to us, ourselves never having missed a payment we were supposed to make. Now our credit is tanked because Shellpoint is incompetent at accounting and staffed by incompetent, dishonest representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX TransUNion XXXX is not following the law has public information incorrect

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 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
Due to Covid-19. I was placed on bed rest. That related in me lost my job and forced me to fall behind on all my bills and all other payments. The following account below are effecting my Credit report. 



Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I was trying to get credit for my new business & was denied due to a public record.. wrongfully on my credit profile ... I reach out to credit bureau asking for it to be remove ... explaining how its affecting me. I reach out to the court house explaining its not accurate. The court clerk responded an said they dont report to credit bureaus and also sent me a letter stating the facts ... I reach out to the credit bureaus once again only to be in the same situation not able to start my business due to inaccurate reporting on my credit file ... thanks Im asking for help about this matter. 
Thanks in advance, 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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Due to Covid-19. I was placed on bed rest. That related in me lost my job and forced me to fall behind on all my bills and all other payments. The following accounts below are effecting my Credit report.

Reported Late and Closed. Account number XXXX Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number 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 2020-10-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XXXX, creditor Comenity CB/XXXX Visa sold alleged delinquent {$11000.00} debt to XXXX XXXX XXXX XXXX XXXX. However, Comenity continues to report the matter on my credit reports even though they are no longer my creditor and debt owner. In XXXX, XXXX, I disputed the debt. But, in XXXX, XXXX, XXXX   updated that Comenity continues to report this as a delinquent account with them. My understanding is that this is a direct violation of credit reporting laws.

Company response to consumer: Closed with explanation