vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor ( navy federal credit union ) has violated my rights. Under 15 usc 1681section 602. States I have the right to privacy. 15 usc 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666 b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a used XXXX XXXX through BridgecrestXXXX. I am a XXXX XXXX XXXX XXXX woman. XXXX tore a tornado through my family. I had XXXX members of my family XXXX in the past XXXX years. I was laid off as a XXXX XXXX. I was able to make payments thru to XX/XX/XXXX. I did contact Bridgecrest many many times. Bridgecrest refused to make payment arrangement, refused to give me any details about my account. I did file a request to reopen a bankruptcy case just to deal with the financial fallout of XXXX. I was impacted. Its hard enough for a XXXX XXXX old woman ( XXXX ) to get employment. I joke that when I find a job the recession will be over. Its true. 

Bridgecrest sent me the following letter telling me that they will repossess the car. They do not state what amount I owe. There is no information on their website. They claim that I don't take their calls. I have never received a call that says Bridgecrest on the caller id. 

I am XXXX and being without a car is an extreme hardship. Bridgecrest has thwarted every attempt of mine to ask what amount is owing. The car is not worth now what it was in XXXX. It is a XXXX year old XXXX. Although XXXX XXXX are in high demand it still is a XXXX year old car. I am aware that I am probably upside down on the loan. I am actively looking for work and I have two upcoming job interviews. The last thing I need in the middle of this is Bridgecrest. 

Bridgecrest wants to have their cake and eat it too. They want to seize the car, sell it and still make me owe on the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified certain items that have not been adequately verified or substantiated by the respective furnishers. It is my right as per the Fair Credit Reporting Act ( FCRA ) to seek the necessary verification of these items to ensure the integrity and accuracy of my credit report. I kindly request that you initiate a thorough investigation into the following unverified information items on my credit report : Personal Information is Inaccurate Date of Birth, address and misuse of reported Items.

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 2023-07-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank/ paypal credit is worst financial institution that I've ever worked with. I ask them for months to provide me with a settlement and they refused saying that I would need a late payment for them to offer me a settlement. They then charged off my account and proceeded to report it wildly inaccurately to all three credit bureaus. I've asked that it be corrected or removed at least 10 times and they refuse to do so. In addition, they have charged large and unnecessary fees to my account and they are even reporting my account as " closed '' and " over limit '' which is wholly untrue.

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 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am humbly asking to be heard on this issue. I have attached a letter, exhibits of proof to support my case from PNC bank, XXXX XXXX email, and Police report. 
Thank you in advance for your attention on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Identity theft Police reports have been filed & the car loan ( s ) do not belong to me! These items were disputed and they were kicked back as accurate and this is now affecting my approval rates for my own loans GLOBAL LENDING SERVICES Account type : Auto Loan Currently Closed Account Date opened XX/XX/XXXX Account type Auto Loan Status : Account charged off. {$19000.00} written off. {$4400.00} past due as of XX/XX/XXXX XXXX due amount {$4400.00} Original balance {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Received documents from PENNYMAC stating that a pre-foreclosure is about to start on my private property and I had 45 days to respond. I send several certified written requests to the XXXX, which they had 30 days to respond. However, PENNYMAC was the only one that responded and requested additional time to conduct a full review. On XX/XX/2023, two gently men showed up from safe guard property and removed the security door and place a lock box on the door per PENNYMAC request. However, I would like an explanation from the lender. I would also like a response from my written request that was send to all parties, as soon as possible. ( SEE ATTACHMENT ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: IN

Complaint narrative:
Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy They have no replied to my dispute its been over 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan with AVANT for {$23000.00} and received the loan within the week. This loan was paid off on XX/XX/XXXX. 

On XX/XX/XXXX I again applied for a loan with AVANT but was denied and not given a reason for the denial. Was told that an email was sent, but I never received it and AVANT refused to resend it. Being that I did not understand the reason for the denial and was not given any follow-up info, I requested that an investigation be conducted because AVANT requested a document from me and before I was able to send it ... THEY DENIED THE LOAN. Was told to reapply in 30 days because there was nothing that they could do in the support office because the processing center had all of the info and they did not speak to customers. Nothing ever happened, upon continuous calls to AVANT, they pretended to have no info of me requesting and investigation and had no further info. 

On XX/XX/XXXX I again applied for a loan with AVANT and was again denied and told that there was no info as to why my loan was denied but I could reapply in 30 days. When I asked for info on the previous loan being denied or info on the investigation and was placed on hold for 20 minutes and no one ever returned to the call with info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My credit score provided by XXXX XXXXXXXX  to Equifax still shows bankruptcy and other inaccurate information as hurting my credit score. XXXX says they only use info on the credit report but the credit report does not show that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Commenity bank continues to call my family members and discuss that I owe a debt and tries to collect from them and calling multiple family members more than once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: PA

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In my JPM Chase branch I reported fraudulent activity on my Slate card ending in XXXX. They contacted Chase Fraud and closed the card. I then opened a new card. I paid the final bill in XXXX, XXXX. Apparently, despite the fact that the account was closed, JPMC continued to accept charges through XXXX. The card was closed and I had no visibility to it. In XX/XX/XXXX I was notified by the credit bureaus that my JPMC account was delinquent and that my credit rating was lowered as a result. JPMC did not contact me in any way to notify me that a payment was delinquent. On XX/XX/XXXX I went back to the branch ( see handwritten notes on the detail PDF ). The Private Banker verified that the account had been closed in XXXX and called JPMC Credit Card Services. They said they don't handle this and said to contact JPMC Security who said they don't handle this and said to contact Customer Claims and Disputes. They said Credit Card Services needed to handle it. Credit Card Services said that Security needed to handle it. The banker and I were both totally frustrated. I paid the remaining balance {$100.00} ) prior to leaving the branch. I wrote to XXXX ( attached ) but the issue remains unresolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Im trying to login into my Wells Fargo online banking but my phone number and email aint updated and I needed my bank to update my phone number XXXX and my email XXXX so I could get my authentications codes coming through and Im not available to go into the branch or spot any ATMs at the moment and I need to make some transactions to my clients on app and I want My Bank to send an automated transfer for me from the banking systems thanks

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called and questioned most about the inquiries and was advised they would be happy to remove them with no results. 
In the past, I had a fraud alert... I take great pleasure in managing my report as it is important 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
On XX/XX/XXXX American Honda Finance Corp received my Tier XXXX packet which included a notarized durable power of attorney, Federal Reserve Act Section XXXX and XXXX which states all obligations shall be of the United states for all public dues taxes, etc. My instructions for claim of Credits as well as as my endorsed negotiable instrument signed without recourse. 
On XXXX i mail my Tier XXXX Packet which included my endorsed bill, Federal Reserve Act sec XXXX and Federal Reserve Act Section XXXX part XXXX and XXXX on XX/XX/XXXX i received by mail Honda 's response with a false payoff correspondence on XX/XX/XXXX i respond to the letter with my Tier XXXX Packet which included Notice of Default, My rescission letter as well as a cease and desist as well as my endorsed contract. I also send the same packet to the Corporate office in XXXX CA. 
On XX/XX/XXXX XXXX hires XXXX XXXX XXXX to come and unlawfully reposes my vehicle and refuses to give it back. 
I have done my performance on behalf of the account Honda refuses to accept and deposit my signed negotiable instrument which has caused me a lot of distress and suffering. I have a child who starts school next week i have to get him registered as well as make money to provide for our essential needs but due to the unlawful repossession i am stuck. i have Honda taking advantage of me while i am in the midst of an eviction On XX/XX/XXXX i spoke with Honda 's Recovery team i spoke with XXXX and someone by the name of XXXX or similar. XXXX let me know that he seen the documents i sent on their end and that it was in fact an unlawful repossession and that he sent over the information to management. XXXX from management reached out and basically told me that they do not accept my endorsed negotiable instrument and that i would have to pay in cash or by card as usual. I let him know that they are under false pretense because they are keeping my instrument and not getting it to the right department which has caused me loss and harm and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I filed a Dispute with Apple multiple times for might return flight to the U.S. from XXXX XXXX. 

The flight changes involved my first flight from XXXX to XXXX, which was originally scheduled for XXXX XXXX, and my second flight from XXXX to XXXX XXXX, initially scheduled for XXXX XXXX to XXXX XXXX. These changes created a significant conflict for me. When I reached out to XXXX XXXX employees at the airport, they informed me that I could cancel my flight by calling a specific number. 

However, when I called the number provided, I didn't receive a confirmation, but the representative assured me that I would receive a refund within 5 days. It's important to note that I made this call on the same day as my scheduled flight. 

This situation not only affected me but also impacted several other passengers. I spoke to 10 other individuals who were suffering from the same last-minute flight changes. Unfortunately, this is not the first time XXXX XXXX has made such changes, and it reflects poorly on their service. 

I also shared these screenshots with two members from Apple, as I sought assistance with the matter. This issue is of utmost seriousness, and I am deeply disappointed that the matter hasn't been thoroughly investigated despite the obvious evidence. 

During my last dispute with Apple, I informed them that I had spoken with the airline, XXXX, regarding the issue. The airline had taken my bank information, promising to process a refund. However, despite their assurance, I never received the refund from XXXX. 

In an effort to resolve this matter, I provided Apple with all the necessary information and screenshots of my conflicted flights. However, despite having this gathered evidence, Apple has said once again that I will be paying the mount of {$200.00} This is the information from my Dispute with Apple Credit Card. 
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2022 Merchant name : XXXX Disputed amount : {$200.00} Temporary credit : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, l received the amount XXXX but my account is frozen and l can not use my money in my account. l already provided the sender information such as the name and phone number for Bank of America to verify my funds. l need to use the fund because my house is foreclosure. 
If my house is sold, BOA must be responsible for it.

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