vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I put money down on a vehicle ... In TILA 15 USC 1662 Advertising of down-payments and installments ; clearing states it is illegal The dealership is XXXX dealership in XXXX, IL, the salesman there told me I need XXXX for a down payment to enter a installment loan with Credit Acceptance. I have banking info with date to prove 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 2021-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTUTY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2020 I sent a residential affidavit due to the inaccurate variations of multiple addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NY

Complaint narrative:
XX/XX/2020 I sent a residential affidavit due to the inaccurate variations of multiple addresses that do 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 non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and saw that the payment history was different on all 3 reports for my credit card which is a violation to the FCRA. I Immediately informed the bureaus but they did nothing to resolve the issue.

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, I began construction on a new home and the loan for construction with XXXX XXXX XXXX XXXX XXXX XXXX was secured by both my original home, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri and my new home under construction, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri. 

After construction was complete in XX/XX/XXXX, I sold my original home ( XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX transferred the servicing of my mortgage to XXXX. ( Also, I work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, XXXX paid real estate taxes from my escrow account for both of the properties that secured the original construction loan. They paid {$1000.00} for my current address that secures my mortgage ( XXXX XXXX XXXX XXXX ) and they paid {$1500.00} for the real estate taxes on the property I no longer own ( XXXX XXXX XXXX XXXX XXXX. I contacted XXXX through their secure messaging service when I noticed the error on XX/XX/XXXX and again on XX/XX/XXXX. They replied saying that they would research the problem. After a week and noticing no change in my escrow account, I called XXXX 's customer service line. The representative said that it was an error and that she would forward my complaint to their escrow department to research and the problem would be resolved in XXXX business days. 

I received a message on XX/XX/XXXX from customer service saying that the problem would be researched and would be resolved within XXXX business days. 

On XX/XX/XXXX, I sent another message to XXXX through their secure messaging system. 

On XX/XX/XXXX, I emailed the loan servicing department at XXXX XXXX XXXX XXXX XXXX XXXX to see if they could help to resolve the issue with XXXX. My issue was forwarded to XXXX 's client services. 

On XX/XX/XXXX, the extraneous property was removed from the escrow section on my online XXXX account, but the money that was spent on the wrong real estate taxes ( {$1500.00} XXXX has not been returned to my escrow account. 

I worry that XXXX has no interest in resolving the problem, since I have little recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NY

Complaint narrative:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CHXXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
On XX/XX/2020 I purchased XXXX dollars worth of XXXX outdoor wear from a merchant Name Reliable FB E-Commerce. I never received the items that I ordered. I got a random damaged pair of XXXX XXXX sunglasses, which is what I assumed they used to get their delivery notice. The company was not and has not been responsive. I submitted a claim through my credit card, XXXX. They credited my account then withdrew my credit. Then the credit was reapplied. I called to offer my concern and they said I was past the time limited on a letter I had received which I was working from home and homeschooling my children, I missed the date. I never received what I ordered from Reliable FB E-Commerce and I would just like my XXXX dollars back. Best, 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 monetary relief
Consumer complaint received 2021-01-21 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: MD

Complaint narrative:
I am a victim of unauthorized ACH debits to my checking account. My account is with PNC, XXXX, MD. The fraudster 's credit card is issued and connected to my account by XXXX XXXX XXXX, XXXX XXXX, SD. Our names are not related. An amount of {$5600.00} fraudulently drained between XX/XX/XXXX and XX/XX/XXXX in 37 transactions. When the first time my account was debited, PNC did not seek my approval. XXXX XXXX XXXX  also failed to authenticate if their credit card holder is authorized to connect to my PNC account. 
PNC tells me that with my bank account number can attempt an ACH transfer to pay a credit card. This to me is a serious loophole. When I set up bank transfers between my bank accounts, I must verify small transactions before the regular transfer can be set up. There is no way to stop debits from my account by ACH I am told. 
PNC refunded only in part with their declared 60-day liability. I am unable to contact the XXXX XXXX XXXX because I am not their customer and when I call, I can not proceed. 
My interest is more than the recovery of my money. PNC says there is no way to stop this type of fraud until I detect and complain. Surely, fraud detection can improve from the Bank 's side. Criminals who commit financial fraud must also be punished. 
I seek your help for my personal cause and the social benefit to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: American Credit Acceptance, LLC
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked PHH to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and PHH continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION
State: OR

Complaint narrative:
MY WIVES CAR, THAT I FINANCED HER THROUGH LOBEL FINANCIAL WAS ILLEGALLY REPOSSED THIS MORNING, CALLED FINANCE COMPANY THEY SAY WERE PAST DUE, BUT I HAVE PROOF OF ALL PAYMENTS. THEY STILL HAVE NOT CREDITED TWO PAYMENTS THAT WERE MADE IN XX/XX/2020 AND XX/XX/2020. PLEASE HELP!! 1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-21 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: IL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

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 2021-01-21 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: NJ

Complaint narrative:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NJ

Complaint narrative:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

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 2021-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2015 I applied and was immediately approved for a loan with Oportun/Progreso Financiero in the amount of {$3000.00}. A few months after due to hardships I fell back on payments and due to their high fees I couldnt keep up resulting in default on XX/XX/2015. At that moment Oportun/Progreso Financiero started calling repeatedly friends & relatives disclosing my debt and personal information, during that time I received from them up to 9 calls a day. Soon after I requested not to be called which they honored but they remain calling friends & relatives. 

Throughout the years have tried settling or coming to an agreement with Oportun/Progreso Financiero but unfortunately they have rejected my attempts. They keep increasing exponentially the loan and expect me to pay for an absurd amount completely unrelated to the original loan. 

Recently contacted the XXXX XXXX XXXX in XXXX XXXX for assistance with this account which is affecting my credit score. Unfortunately XXXX  wouldnt take my case due to Oportun/Progreso Financiero being a hard to work with company that follows shady practices. 

The Account was closed & charged off on XX/XX/2015 but they keep increasing the loan amount month after month. As of today the account shows a {$8400.00} balance which is completely inaccurate based on what the loan amount was at the time of charging-off the account. 

**I have submitted letters to the 3 major credit bureaus ( XXXX  , XXXX  , XXXX  ) to dispute the information. 

XXXX  Case number : XXXX XXXX  Case number : XXXX XXXX  Report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NY

Complaint narrative:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy XXXX XXXX XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Yes back on XXXX XXXX my friend sent me a XXXX payment and without warning citibank closed my account and told me I would get a check with my money I have had in there so I waited its been a month and a half now and still says my account is open they haven't closed it yet and I can't touch my money in there or nothing I have XXXX in my account that's my money I have tried my best to work this out with them but they always give me the run around or tell me someone will contact me which that phone call never comes can someone please help me from here I have no idea what to do next I just want my money out of my account 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