vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: OH

Complaint narrative:
I purchased a car from XXXX XXXX XXXX XXXX  on XX/XX/2023. The following day the engine and oil lights came on, the car reeked of gasoline. I called them everyday to make them aware of the issues with the car. They kept giving me the runaround, so I showed up in person on my lunch break. When I arrived, I had the XXXX come out to the vehicle to share with him what i was smelling. He made like to bring me to the XXXX department to have them look at it. So, they wanted to keep my car without giving me a loaner car. I told them that i needed liable transportation to get back and forth to the academy, because we can't miss any days. So, the service XXXX told me to take the car and when a loaner car becomes available, i can drop the car off. I dropped the car off on XX/XX/2023 thinking it was being worked on, but it wasn't. My car was towed to XXXXXXXX XXXX XXXX supposedly getting fixed, and to my surprise it wasn't. I kept calling XXXXXXXX XXXX XXXX XXXXXXXX to get answers and both parties blamed each other for not contacting each other. So, I called both XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XXXX way. XXXX XXXX service XXXX answered and that is when the conversation began. XXXX wanted to fix it, but because it was going to cost XXXX XXXX {$2000.00}, they said No. So, XXXX XXXX said that they were going to bring the vehicle back to the dealership to fix it themselves, instead of letting XXXX fix it. A few days passed and I didn't hear anything back, so I reached out to XXXX XXXX to get more information. No one called me back so I showed up in person again and the service XXXX said he made the decision to move my vehicle to an unknown reconditioning shop to be worked on and they won't even tell me where the shop is and when the vehicle will be fixed, and I didn't give them permission to move my car. Also, the service XXXX told me that my car should have never been sold to me due to them being under new management and that they didn't do the initial inspection, which is also recorded. Lastly, they sold me an unsafe vehicle that could have blew up or caught on fire to where I couldn't even ride my special needs son in the car because I had to drive with my windows down due to the smell.

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 2023-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following unauthorized inquiries are showing on my credit report : - XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  XXXX on XX/XX/202XXXX XXXX XXXX XXXX on XX/XX/2023 - XXXX XXXX on XX/XX/2023 - XXXX XXXX  on XX/XX/2023 - XXXX XXXX  on XX/XX/2023 - XXXX  XXXX XXXX on XX/XX/2023

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 2023-04-19 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: PA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX 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 2023-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OK

Complaint narrative:
I took out a borrow and save account with Seedfi last year where they loan me {$1000.00} and put {$2000.00} in savings for me for a total loan amount of {$3000.00}. And after making all of my payments on time for six months via automatic bank drafts, a company called XXXX suddenly drafted the next payment from my account WITHOUT MY AUTHORIZATION! They also claimed that I still owed {$2500.00} after I already paid {$1100.00} to SEEDfi. I disagree with this amount and the rate of interest which is much greater than advertised. I told them that they can take out the {$2000.00} they supposedly put into savings for me, but 'Oh No that's impossible ' they say. They can not change the contract they say, when in fact they already did. I DID NOT sign any contract with SST or one that mentions SST anywhere in the contract. After reading all of the other complaints about SEEDfi, I am certain that they are a scam company and I will not deal with them anymore. Meanwhile SEEDfi is destroying my credit now. It has dropped XXXX points in one month because they are reporting that I still owe {$2500.00}. I hope that there will be a class action lawsuit against these scammers. Please count me in any class action against Seedfi and XXXX. And please notify all complainants here about any class action lawsuits against these scam companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone opened an account with XXXX XXXX  for XXXX. Spoke with the bank who provides credit and they have closed the 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 non-monetary relief
Consumer complaint received 2023-04-18 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: WI

Complaint narrative:
Based on my dispute with XXXX XXXX " XXXX XXXX XXXX  '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- XXXX still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Lexington Capital Holdings LTD
State: FL

Complaint narrative:
I received the below email after a phone call from the company. Rep said all I needed was a XXXX credit score. I repeated that's all he said yes, so I went to the provider to get the requested report. After I sent the report with a higher-than-required credit score, they said I had late payments from 3 years ago I needed to speak to their " credit specialist, XXXX from underwriting, '' who also has an email address URL with the same company. XXXX. XXXX called me to begin to sell me credit repair to remove " my late payments '' from my credit report for a cost. i ended the call because i had already spent money on their referral credit company https XXXX XXXX  which makes you sign up for a credit monitoring service for $ XXXX. This is a total scam and Lexington Capital Holdings which is affiliated with XXXX XXXX XXXX are both selling credit repair to consumers NOT 0 % business loans as they offered to me. This needs to stop before it gets out of hand. 




Hello, It was a pleasure speaking with you.

At Lexington Capital Holdings, we work with many businesses around the country to provide them with the capital they need. We are excited for the opportunity to do the same with you! 

Applying to XXXX XXXX Line of Credit program can promise you a few things. Traditional financing options, Monthly payments with 0 % interest up to 24 months, and forever revolving lines. 

Documentation Needed For Approval Process : XXXX  Credit Report You can email it over to me at XXXX Upon receiving that information, I will immediately start the approval process. 

How To Access XXXX XXXX  CLICK HERE FOR XXXX XXXX CREDIT REPORT Make an account Click View most recent report Hit Print this page Change the destination to print as pdf Attach pdf to email and send to us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
My husband is XXXX and on XXXX and I am XXXX XXXX XXXX 
XXXX ago XX/XX/23 we called to tell them we were having trouble this month making our payment We were told we could skip it and pay it when we could. Today we received a registered letter stating if it wasn't paid by XX/XX/23 the car would be posted for XXXX payment. We have kept up with all other payments I don't think this is a necessary action for XXXX payment We bought our car for XXXX and by the time we pay our loan off it will be XXXX. This is outrageous. Our payment {$380.00} a month which is a huge dent in our income. They don't refinance but we have to do something to get out of this 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 2023-04-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my TransUnion, XXXX and XXXX credit reports as charge off. I satisfied the debt of the charge off in full and would like this account removed from all three ( 3 ) of my reports as it is impacting my credit score negatively. 

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 non-monetary relief
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my XXXX, XXXX and Experian credit reports as charge off. I satisfied the debt of the charge off in full and would like this account removed from all three ( 3 ) of my reports as it is impacting my credit score negatively.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I filed a dispute in 2022 with XXXX XXXX. They reversed my credit and closed my account. I submitted several documents to them for a reconsider of my disputed charges. They had valid proof and evidence that I was not the one who made these charges and they denied my dispute. From XX/XX/2022 to XX/XX/2022 they did not reach back out to me or notify me. I had to call and once I did they said my evidence was not enough. I then submitted more evidence to them and they decided not to reopen my dispute after an agent told me to submit my new evidence and they will reopen my dispute. All of these conversations can be looked at in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I want to join the lawsuit against Portfolio Recovery Associates who has caused to hire an attorney on more than one occasion to defend against a frivolous lawsuit filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Several months ago, I opened a CD with XXXX, now owned by Webster Bank. The CD with over {$250000.00} dollars matured on XX/XX/2023. I called yesterday, XX/XX/XXXX to close the account and have the funds sent either back to my bank account where they came from or to have a check sent to my New York address, which the bank has on their file. This is when the nightmare started. The person I spoked with asked me the typical verification questions, my phone, e-mail, address and four digits of my social. After that, she said a code will be sent to my phone, a few seconds later she said that did not work and she will need to ask me five questions. Some questions were stupid, like remembering the plates of my cars, but still I know I answered them correctly. The person told me right away thay I failed and I had to wait 24 hours to call again. I told her this was not aceptable and I wanted to speak with a supervisor. She said the supervisor acll me in about 30 minutes. NO call after two hours, so I called again. This time I was told I could go to any Webster bank branch and have them close the account and give me a check. I went to the XXXX XXXX branch in XXXX and was told they could not help me because it was a XXXX XXXX account. I asked one of the managers there to call XXXX so they can verify it was me and close my account but the person at Webster was told the same story, they just could not help. I was upset and called XXXX myself while at the bank. The person I spoke with refused to speak with any of the XXXX employees to verify my identity so she gave me another set of five questions. I answered them correctly again and she told me right away I failed and will have to wait 24 hours and that was the end of it. No further explanation. Five hours later, the supervisor called me, her name XXXX XXXX XXXX phone XXXX XXXX. She apologized about the incident and said since the account was opened online they can not do anything. She promised to call today at XXXX XXXX. She called at XXXXXXXX XXXX, again I was given the set of five questions instead of the text code to my del phone. I wrote each question so I know I answered them correctly, yet I was told by XXXX XXXX that I failed the verification. I told her this was not acceptable and I wanted my CD closed and my money inmediately. She told me she will call after she talks to her superiors at Webster. The day ended and never heard back from her. I went online and realized there are hundreds of similar complains against XXXX and Webster Bank. I am not the only one that has this problem. It is very clear Webster Bank is running a scam to keep the funds of the clients longer tha they need to be held and all that time whithout paying any interests. Please help me to get my {$250000.00} dollars back and stop this bank from running this scam with other inocent clients. Thank you for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Our mortgage got sold to BSI Financial towards the end of XXXX. In XXXX, we received an escrow refund check from them. I called to see if they could cancel the check and just apply it to the next year 's escrow account so that our payments would not increase. The person I spoke with told me they could do that, but then called back right away to tell me that it was too late to do anything because the escrow account had already been calculated. He also said I should call back in XXXX before XXXX ( no exact date ) to make my request. I called in XX/XX/XXXX and spoke with XXXX, who said that I had to send an email request in. I did that. I also emailed again several times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In each email, I asked to have any and all escrow overages applied to the next year 's escrow account instead of sending us a refund. I also asked not to be called back ; I sometimes have a hard time understanding people on the phone and I also wanted a response in writing. BSI tried to call a few times, but I didn't answer. They finally emailed via their secure site on XX/XX/XXXX. That email stated, " We are currently processing your request. '' I then looked on my account on the BSI site on XX/XX/XXXX to find that they had sent an escrow refund check. I emailed them again XX/XX/XXXX to make a complaint about it. I just got off the phone with XXXX, who called today ( XX/XX/XXXX ) to talk about my escrow overage request. She put me on hold for over 10 minutes and I ended up getting sent to a generic voicemail. All I wanted was for any excess money to be applied to the next year 's account so that our payments would not increase and they wouldn't even communicate with me in writing, even though they had 3 months to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: VA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation