vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Carvana Group, LLC
State: CA

Complaint narrative:
On XX/XX/23 I RECIEVED A APROVAL from carvana to purchase a vehichle through carvana on XXXX XXXX XXXX  aplication process. After about a month of continued hassles, delays, phone conversations, online chats, and procrastination on carvanas part I was finally able to get the aplication to go through or so I thought. Carvana even made me purchase a insurance policy on the vehichle I was going to purchase but in the end they never sold me the car.1st when I made contact with the carvana team within 48 hours of getting the APROVAL the lady was nice sh instructed me to pick out a car and run my car of choice through the online system, she said that it would take about twenty minutes and then she congratulated me and I was on my way. I picked a car out and started the aplication process but it was paused for ( issues with my terms ) error message! I RECIEVED that error for a week then it changed to ( we are having trouble verifying your identity ) which is the error that I am getting to this 1st : I have spent hours on the phone several different times with XXXX who carvana was trying to blame for the problem that was causing the error. 
A specialist that worked for XXXX made a bold claim that carvana was not being honest about selling me a car that there was nothing preventing carvana from selling me a car that involved XXXX 
2nd carvana never sent me a notice in the mail giving any reason why I was being denied carvana financing! 
3rd : carvana made me purchase an insurance policy on a vehichle they where supossed to sell me but never did!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Applications for credit cards loan for vehicle which caused negative impact on my credit score

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account has been paid in full and has not been updated in system

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account has been paid in full and has not been updated in system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account has been paid in full and has not been updated in system

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 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
I tried volunteering surrender the XXXX  3 times. I called Credit Acceptance Corp and spoke with an agent and told them I was going to surrender the XXXX. I gave location where the XXXX was parked and was told it was going to be pick up. This was back in XXXX, Credit Acceptance Corp hold off on the repossession for the account to grow interest on the account. Now the XXXX value has down because of years passed. If it was pick up in XXXX, the value of the XXXX would be more then today value and it would have paid into the balance in XXXX. The left over balance would be less. Now the account pick up more interest and late fee. Also I finance the XXXX for {$22000.00} and Im told I have to pay {$33000.00} which the company has already added the finance charge for payoff. I thought the finance charge was only added each month has passed. The account would have been settle XXXX years ago if you only pick up the XXXX the XXXX times I called.

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 2023-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC
State: FL

Complaint narrative:
I received a citation # XXXX dated XX/XX/23, citation dated on XX/XX/23 for car tag number XXXX, call was made to XXXX XXXX XXXX XXXX with information requested which was never received. I am confiming that my vehicle was not in XXXX XXXX on that date. I again received another notice on XX/XX/23 for same citation with call made again- XXXX XXXX. I stated that my vehicle was not in XXXX XXXX on date of citation and requested that there a follow looking into why my vehicle was issued citation and again no response, I then received a letter from a debt collector dated XX/XX/23. The account number is XXXX Valley Collection service. I have no intention of paying for ticket that I did incur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I needed to talk to XXXX about sending some money so I looked up their phone number on XXXX and called them. I told the XXXX employee that answered the phone what I wanted and he said he could help. The problem was that he was not an employee of XXXX but a Hacker. He instructed me on what I needed to do and thinking he was a XXXX employee I did what he said. He said this would take a couple of days to get this done so he would call me each day for us to continue. This was on XXXX, and XX/XX/2023. I became concerned and went to Wells Fargo and they told me I was being hacked, and I had lost {$6100.00}. from my checking account. The helped me to file a claim with Wells Fargo which was denied. We later filed a second claim and it was also denied.

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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have had several attempts from someone trying to open up credit cards under my name and information recently. I have contacted the companies involved as well as my credit bureaus. I have also filed a police report with the XXXX Police Department. The following XXXX inquiries on my credit report were not authorized by me : Capital One on XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX There is currently a fraud alert on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent in a request that they remove any old addresses because I am not associated with them anymore, XXXX already deleted this information but I am not sure what the problem with Equifax is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent at least two requests to Experian to delete all of my old addresses because I ma no longer associated with those, XXXX has already deleted those addresses and I am not sure what the problem is with Experian.

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
Account was opened with Chime without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America pursued collection f this debt against me in XXXX County Court. The case was dismissed by the judge. It is illegal for this debt to be pursued as collection against me and therefore should be 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 2023-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Despite an overage to my escrow account balance my mortgage company insists that my monthly mortgage payment must be increased to satisfy annual payments for mortgage insurance and property tax. In XXXX my mortgage payment increased from XXXX to XXXX. The mortgage lender, upon my inquiry, explained the aforementioned increase was a result of an increased escrow balance requirement due to increasing mortgage insurance and property tax. In an effort to avoid future negative escrow balance issues, I made an additional surplus payment causing an overage to my escrow balance. This XX/XX/XXXX I was informed by the mortgage lender that my mortgage payment would increase due to an increased escrow balance requirement. Despite my current escrow balance overage, the lender issued a check, to me, for the overage and increased my monthly mortgage payment for the XXXX calendar year to offset the increased escrow balance requirement resulting from increases to my mortgage insurance and property tax. I was able to make contact with the escalation department representative, XXXX, who returned the overage funds to the escrow account at my request, but informed me that this action would have no impact on the pending increased monthly payment ; additionally she informed me that any future increase to my property tax and/or mortgage insurance would cause an increase to the escrow balance requirement resulting in an increase to my monthly mortgage payment throughout the life of the 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 2023-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Activated the card online on XX/XX/XXXX according to instructions on the back of the gift card. Card shows active online. Tried to make transactions within the available balance limit of the card which were all declined. 

Called customer service on XX/XX/XXXX and spoke to a representative who said the card is inactive, has no transactions, and they need to open a case. Have been on hold for 20 minutes with no clear resolution. The card has {$1000.00} on it which can not be used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I had an injury to my XXXX  and was off work for a month or so and fell behind on a payment Im back working and making my payments regularly and the 30 day late payment is dropping my credit score XXXX I just got custody of XXXX out of XXXX kids Im in the process off getting us a new home and this is really stopping me from getting this home for my family could u please please remove this off my credit report so it could go back up please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
in the year XX/XX/XXXX  my son passed away i tried cancelling the account but i was told i couldnt cancel because there was a contract, i told them i didnt need that phone line they said i needed to complete my contract. I returned the phone but apparently i didnt get credit for it. Then i get this great amount of XXXX  years later. I think im not responsible for the bill its been 17 years it should be off the credit bureau. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

XXXX XXXX XXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

XXXXXXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

XXXX XXXX  ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

HSBC Bank ... account open in my name XXXX XXXX XXXX I do not own nor have any access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had as many as 7 late payments reported on an account that I was never late in paying. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts from student loan servicer XXXX that I am attaching and reporting as inaccurate today. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 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 non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NCA has erroneously reported this debt and responded to my initial CFPB complaint falsely. NCA originally stated in their response back to my CFPB complaint. NCA submitted a contract from XXXX that was falsely typed. Theres no signature of mine and theres no date. NCA stated that I had a XXXX XXXX XXXX and I lived in XXXX Arizona in XXXX  that was very misleading. I never lived in XXXX Arizona in XXXX when I took out this debt, this was the title loan that I took out on a XXXX XXXX XXXX. And at the time I took out the title loan in XXXX I resided in XXXX Arizona in which I owned my home I filed bankruptcy in the same year of XXXX enlisted my XXXX XXXX XXXX. Therefore this debt is over 10 years old, as well as NCA purchased old paper did not do their due diligence. This is the second time I am disputing this debt, but this time Ive taken it a step further, I have sent over the complaint as well as all the documentation that I have sent to CFPB as well as that contract that CA submitted to CFPB, which shows no date no signature. NCA, you are a debt purchasing company, but you are doing consumers a disservice by not doing your due diligence and checking to make sure these balances and the statue of limitations has not ran out on these debts but instead of that, youre holding strong to me owing you {$1000.00} and which I will never pay due to the fact of the age of this debt this is a clear violation of FCRA as well as FDCPA. I will continue to fight this to the nail until my credit report has been updated and this debt is no longer showing up as a valid debt. I want NCA to provide me the original contract that I signed at XXXX back in XXXX. This complaint will also be sent over to the attorney general office in Arizona as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Application was submitted to Synchrony Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. After Identity was confirmed the store representative changed my identification by altering my name on the application form after she confirmed my identity. She then changed the identity on my application by changing the last name. Once they confirmed I was a XXXX man the XXXX was denied by Synchrony Bank Merchant Services.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
MOHELA will not process my application for a lower payment plan, that was submitted on XX/XX/XXXX. In the meantime, my only options are to have my payments deferred and forfeit any credit for payments made toward public service loan forgiveness ( PSLF ), or make payments higher than the amount I should be paying, on the payment plan I applied for, but after significantly delays, has still not been processed. They do not respond to messages. I waited over a month for an answer to a question and only received a message after waiting all that time, that someone would answer my question " soon ''. They said I didnt owe a payment during the month of XX/XX/XXXX, eventhough I was not in deferral, but could not tell me why. I told them I wanted that month to count towards PSLF, but again said if I made NO payment, it still would- which makes no sense. Now I have a statement for XX/XX/XXXXXXXX  with the same high amount that reflects the payment plan not being processed still. This company is poorly run and I'm terrified that they are in charge of my student loans and basically my financial future, as I am trying to get student loan forgiveness in the near future. Since they are the servicers for the PSLF, and the holders of federal loans, they should be held to a higher standard. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have opened disputes with Equifax, XXXX and XXXX. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.

Company response to consumer: Closed with explanation