vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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:
XXXX, XXXX XXXX and Experian are reporting an account with misleading information. After I reviewed my credit report online these XXXX bureau have XXXX accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureausXXXX XXXX and Experian is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I went in to XXXX XXXX to purchase a XXXX XXXX from an online advertisement I seen. When I arreived there, an employee advised me that the XXXX XXXX that I was looking for was available but was not currently on the lot because the owner was currently using it as there personal vehicle. Once I heard this, I lost interest! I was then pointed to a XXXX XXXX  XXXX, which this certain employee advised me was priced at {$9000.00}. I then said ok I want it! I was then taken inside to a actual dealer named " XXXX ''. XXXX began by asking me how much was I looking to put down? I advied him that I only had {$1000.00}, XXXX then made a face as if to say no. He then said {$2000.00} was the least that I could put down, I then advised XXXX that I did not have that amount of money at that time. XXXX then said ok, do you have {$1500.00}? I said no but I can get it, XXXX then said can you can drive off with this car right now if you can get me that {$1500.00} and then owe me {$500.00}. I told XXXX to give me a second, I then went into my phone and transferred $ XXXXout of my checking account. I then advised XXXX that I had the {$1500.00}, he said ok. He went on the computer for a couple of minutes looking for loan companies to finance the car. After about 5 minutes, XXXX advised that he had found a company name " CREDIT ACCEPTANCE '' to finance the car. XXXX said Credit acceptance would finance the car and my total would be around {$16000.00} and some change ; I agreed. While I was waiting, XXXX advised me to pay attention while he read the contract to me, when he was finished, XXXX motioned me to sign what he had just read to me Electronically. I signed without even thinking because this was my first car and I didn't know the ins and out about anything, so I just singed the papers Electronically, albeit under the impression that the loan agreement was for a total of {$16000.00} and some change. Once the deal was made I drove off of the lot happy thinking that this was a good deal, however, upon reviewing the contract with a family member, I was notified by that family member that my loan was for a total of {$36000.00}!!! And out of that {$36000.00}, XXXX was subtracted from it as a down payment on my part. As I've stated before, I only put {$1500.00} down as a down-payment. So as you can see, I was baffled by this and right away called XXXX XXXX for an explanation??? They gave none, I then called the loan company, and they advised me that it was nothing thry could do because I signed the contract. In conclusion I ask that this matter be looked into because this has cost me financial burdens, and I would like for this to be reversed and I be compensated for the money spent on this egregious loan.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRSTBANK
State: CO

Complaint narrative:
I needed a vehicle transported. I inquired with several companies. On XX/XX/XXXX I got a text from XXXX XXXX of XXXX XXXX XXXX saying they would be able to transport my vehicle. We corresponded via text multiple times. A contract was sent to me via email that I signed off on. To secure a XXXX and pick up they needed a deposit of {$400.00}. I XXXX  {$400.00} to the XXXX account provided to me. Shortly there after, all communication was stopped and the phone number was disconnected. On XX/XX/XXXX I called XXXX XXXX XXXX and they confirmed the gentleman I was talking to XXXX XXXX, was a scam artist. So I immediately called FirstBank to see if the transfer could be stopped. They informed me it was too late and nothing could be done. Emails associated with this scam include : XXXX, XXXX, XXXX. Names of people associated with this scan include : XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota Corporation Says My XXXX XXXX Was Repoed This Is Incorrect On My Report I Bought Lease Out In XXXX Of 2020, I would Like For This Removed From My Credit Report I Sent Them A Letter Regarding This Matter And They Told me That The Credit Reports Say This And This Is Incorrect I Tried Applying Through Toyota And I Got Denied Please Need This Removed From My Report! I Bought Lease Out Through XXXX XXXX XXXX In XX/XX/2020!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the early hours of the morning of Saturday, XX/XX/2022, my XXXX son was blackmailed into sending money to a stranger. The scammer was relentless, demanding XXXX separate payments of {$300.00}, {$400.00}, and {$500.00} via Chase and XXXX ( {$1200.00} total ). He gave my son the email address XXXX for payments. At that point, my son enlisted my help to stop the scammer 's escalating demands. He blocked the scammer on social media, and I called Chase to report the fraud right then, at XXXX XXXX. No one was available to take the call. 

I called back at XXXXXXXX XXXX. and spoke with a Chase representative, XXXX, for XXXX minutes. I told her what had happened, and she informed me that she couldn't cancel the payments because they had already been delivered ( even though they were still marked " pending '' ). She would note that I called, and make a courtesy recovery for the purpose of filing a claim with XXXX. They would reach out to XXXX, but, she said that when it comes to personally initiated transactions, there was no guarantee of recovered funds. If we did get the courtesy recovery of funds, it would be from Chase. But she wanted to set my expectations that there was no guarantee of that happening. She also said they would flag XXXX, a Chase customer, to ensure he doesn't blackmail other people ( I gave her the email address we had ). 

On Thursday, XX/XX/XXXX, my son received an email from Chase dated XX/XX/XXXX, saying, " Thank you for contacting us about the transaction ( s ) on your account. Here 's what you should know : As we discussed and agreed, no action will be taken.This inquiry is now resolved. '' I have attached the letter for your perusal. 

I did not agree that no action would be taken. I listened to XXXX, but I did not agree nor consent to the matter being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: PA

Complaint narrative:
I am filing this complaint because I have instructed Experian in writing to delete several false and misleading Trade lines from my consumer 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 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I'm submitting this complaint in regards to multiple delays in trying to remove my PMI with PHH mortgage. I calculated that I should qualify for PMI removal during my XX/XX/XXXX payment and called the company around XXXX XXXX requesting removal. The agent said they would send a letter in the mail with my eligibility and next steps. I waited about 13 days and then contacted the company again by email to see that status ( XX/XX/XXXX ). I received no response. The next day ( XX/XX/XXXX ) I contacted the company by phone and the agent said the request was still 'processing ' and to call back if I hadn't received anything in a couple of weeks. I called back today ( XX/XX/XXXX ) and the agent said there wasn't a request in for the PMI removal and it would be another 7-10 business days before they could start the process. The delay on their end is going to cost me at least {$110.00} and the company also said a new appraisal would be required to remove the PMI, even though my payments have been in good standing and we got an appraisal about a year ago.

I feel like PHH mortgage is putting up hurdles for removing PMI, in order to make more money off of 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 2022-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXX has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have a XXXX XXXX credit card with Barclays that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near -76 points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at Barclays for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to Barclays reporting this delinquent balance. I had a credit score of near 790 before this and I have never missed a payment in my life. After multiple attempts at contacting Barclays to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. Barclays told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted Barclays to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called Barclays and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate Barclays to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.

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 2022-08-22 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am writing this complaint on behalf of myself, XXXX XXXX, a natural person with no assistance from third parties. Macys/Department Stores National Bank has transferred a debt to a third party debt collector. I have tried to contact both parties via phone and mail to speak about this dispute. I have documentation to provide that can explain the current state of bankruptcy and how this debt must be discharged. This complaint is to have a direct contact from Macys/Department Stores National Bank reach out 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 2022-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Last year in XXXX I submitted and was approved for a school tax exemption for this tax year to be paid in XX/XX/2022. This exemption accounts for roughly 67 % of my total taxes. I promptly sent the approval notification from the County Tax Commissioner to the company servicing my loan. In XXXX, several months after receiving the exemption, the company completed an escrow analysis and failed to reflect the exemption. The result indicated a shortage instead of what was, in fact, a surplus. I called the company and they said that they could not recognize the exemption without and actual tax bill despite the fact that escrow projections are frequently done without actual tax bills for loans on new construction. Actual tax bills were issued last week so I called the company and was told now that the bill must be paid before they can consider it for escrow. The story changes every time I speak to them, and this runaround needs to stop.

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 2022-08-22 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief