vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Vehicle was purchased from XXXX XXXX XXXX. The loan was through Credit Acceptance. This vehicle had issues from the very first day of purchase. Was pulled over minutes after purchase for not having working tail lights. After taking the vehicle back to have it fixed the mechanics wrecked the vehicle and busted a tail light out and didnt say anything. After noticing it we had to contact them to watch video footage and talking to the staff to find out what happened. The engine went completely out after that and I had to have the vehicle towed to the dealership. I spoke with XXXX directly and he asked me to call the lender and get a payoff amount to payoff the loan and email it to him. I gave him the amount over the phone and he asked me to also email it and he would handle it. I did several times and called several times after and he has never responded since then. He has ignored all calls and emails since. However the debt remains on my credit report. I was told that by the company that it was going to be paid off and would be removed. It is still on my credit as a negative item.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: 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 {$330.00}.

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. 

-- XXXX ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}.

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 ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls is reporting my credit card as 30 days late and this account has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
I tried to pay a bill using my prepaid card, however the money was caught out in " XXXX '' and never got paid to the company. Its still pending even now. I have called the bill company and spoken to my prepaid card company all week with no resolve from the prepaid company. I have asked them to release my funds since XXXX XXXX, which is the date of the transaction and they have refused. I cant pay my bill. I need them to resolve this issue, but they have been unwilling thus far to help me. That's my money and I can't access 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
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
This complaint is a continuation of a previous complaint XXXX Complaint # : XXXX ) on Freedom Mortgage initiated on XX/XX/XXXX. The company made an inital reply on XX/XX/XXXX and closed it with their version of expalnation, which was under no circumstances is acceptable. We provided our counter explanation on XX/XX/XXXX, but it was just posted as feedback and not allowing for further probe and resolution. Here is the continuation of our appeal ( Complaint # : XXXX ), with detailed explanation as to why this needs to resolved as we are in dire straits due to Freedom Mortgage negligience which has caused us financial peril and harassment in this time of pandemic. 
Since XX/XX/XXXX our mortgage payment increased by XXXX dollars per month and since the time of notice on that ( around XX/XX/XXXX ) until just a few weeks ago in XX/XX/XXXX, we never had an clear explanation of the increase in payment. 
On XX/XX/XXXX an escrow analysis was done bhy the mortgage company and they determined a escrow surplus of {$6900.00}. We had no knowledge of the escrow anlysis nor we received any surplus check from the mortgage company. In XX/XX/XXXX, another escrow analysis was done when they determined that I was in escrow shortage, and my monthly payment from XXXX XXXX will increase by {$800.00}. This is a very large amount per month, so we inquired with mortagage company but never got any clear explanation for the next 6-7 months. While we waited, every month we were getting chaged the increased mortgage payment and no one cared to explain this exorbitant hike in the monthly payment. In XX/XX/XXXX I was incidentally provided information that a check of {$6900.00} was issued to me as escrow surplus in XX/XX/XXXX, which I never received. We requested the check and got it a month later in XX/XX/XXXX. We then requsted a new escrow analysis but the company denied to do so until XX/XX/XXXX. We then approached CFPB whihc forced them to do an escrow analysis in XX/XX/XXXX when it got revealed that about $ XXXX was paid out of the escrow for city tax causing shortage. We were probing for analysis and explnation for 6-7 months and all this time I was charged the {$800.00} higher payment whhc has kept us delinquent till date. If we woud have knwon about this and had the check 6-7 months ago we would have deposited back the check and this whole fiasco could have been avoided. Now this negligience and harassment has kept us delinquent till date, and now we have to pay a lot of money to become current.

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 2020-09-25 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 {$660.00}, {$17000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -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 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent convergent outsourcing a certified letter on XX/XX/2020 which they received on XX/XX/2020 asking for proof of this debt, I have never had XXXX, I have been with XXXX XXXX for as long as I have had a phone and can provide proof, so I know this is not my debt. I would like to see verifiable proof such as a signature, contract, or drivers license so that I can get to the bottom of this problem but they will not respond but yet continues to post this debt on my credit report, I would like to see verifiable proof or for this fraudulent debt 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 explanation
Consumer complaint received 2020-09-25 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 {$660.00}, {$17000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -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 2020-09-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$17000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing incorrect information on my credit report, I sent a certified letter back in XXXX ( certified receipt included ) I have not received a status or result of the investigation and inaccurate and unverified accounts are still being reported, I would like verified proof of the accounts being reported.

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 2020-09-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received two alerts from Experian on XX/XX/2020. 

1. Credit Rating Decrease - You credit rating has changed from Exceptional to Very Good. 

2. Score Decrease - Your XXXX  Score has decreased by XXXX points. 

My " XXXX '' credit score decreased to " XXXX '' for no apparent reason. There is no derogatory information on my credit report, therefore, I can't dispute this online, and Experian employees don't answer calls to the telephone numbers that are provided online to consumers. This is Catch-22.

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 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I sent Debt Recovery Solutions a certified letter on XX/XX/2020 which was received on XX/XX/2020 asking for verification of this debt, they have not responded to my request but continues to report this unverified debt on my credit report. This debt does not belong to me and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a amazon store card. And when i opened it i started off with a $ XXXX and or {$2000.00} credit limit. Over night they decreased it to {$200.00}. Upon me checking my credit report there was no changes that happened. At that point in time when it happened i was not passed due on anything or late.

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 2020-09-25 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 contacted TransUnion both by telephone and by letter, informing them of Inaccuracies relating to the inquiries that they were reporting on my credit profile. I explained to them that I did not give anyone permission to run my credit. The representative I spoke to was unwilling to assist. In my letter to TransUnion, I requested that they furnish proof of my consent/authorization for these credit pulls since they were reporting this false information and ruining my ability to obtain credit. I was sent a generic letter with no resolution and no proof that what was being reported was accurate. Again, I did NOT authorize these credit pulls.

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 2020-09-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Upon receiving my daily Experian and XXXX  credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX ( XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of Experian and XXXX. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2020-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I turned my truck in 3 months and 1 week early. Apparently there is early termination fees in you turn a vehicle in earlier than 4 months - i spoke to chrysler capital several times before turning this in and it was never told to me. 
Regardless, I turned it in. Paid all the fees and paid my lease off in full. 
My credit report then alerted me that I owed an additional {$840.00} to chrysler capital. 
I called several times. Nobody could tell me what this was for. 
To protect my credit, I paid it, but to my understanding, I did not owe this money. It is reporting to my credit as a debt and I am furious. This company is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
Specialized Loan Servicing sent foreclosure papers to us last summer because we are behind on our home equity loan. We tried unsuccessfully to mediate with them. They sent us paperwork on XX/XX/20 which showed that the Principal Balance was {$40000.00}. We asked for a payoff amount and they sent papers to us on XX/XX/20 stating that the payoff would be {$61000.00}! That is a difference of {$21000.00}! That is extortion!

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 2020-09-25 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
tried to call target cc service ordered a bag from XXXX never received i believe it may have been stolen crime is up by me due to pandemic. i reported it to police i was charged over 180 dollars from XXXX never got back reporting it to XXXX no response. please credit NEVER RECEIVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: IN

Complaint narrative:
Upon receiving my daily XXXX and Equifax credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of XXXX  and Equifax. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the  information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Company response to consumer: Closed with explanation