vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX last four digits of ssn is XXXX, on this date of XX/XX/XXXXXXXX XXXX XXXX  I would like to send this notification to bridgecrest auto for damages that they cost me for not following the right procedures in accordance to the law.Bridgecrest sent a third party to my family address and XXXX my car, bridgecrest did not send any letters with intentions to take the car back, they put my family at risk with this company disturbing the peace at home.Bridgecrest went further and did a sale of this car XXXX weeks later without giving me time to remedy as we were all dealing with emotional distress that they caused.Bridgecrest did a sale of the collateral without sending a presale letter or post sale letter and reported to credit bureaus about my account violating my consumer rights.As far as the law states on UCC 9 PART 6 which I have attached the law wasnt followed, I was supposed to buy a home at this time period and my application was denied because of their actions and reporting, they ruined my credit and I will be filing suit for damages due to their negligence and non compliance.I am demanding the account to removed from the credit report bureaus and not be furnished because the contractual agreement that I had with bridgecrest is void with this specific account per their actions.I have a right as a consumer to be treated with fairness.I have attached a copy of the UCC article thanks for your understanding.My phone number is XXXX LOAN ACCOUNT NO IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
MOHELA has been processing my income driven repayment plan paperwork since XXXX. I requested to be placed on the new SAVE plan, and I have been placed on the incorrect ICR plan with high payments. I have tried to speak with a representative about my high payments, and they just said that I need to make the payments while the paperwork is being processed. I was temporarily placed on an adminstrative forbearance, but my issues were not resolved during this time. I don't understand why this company was chosen by our government to handle public service loan forgiveness. They have proven themselves to be incompetent and XXXX XXXX to handle the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Please provide the debt assignment ledger between your company and the original creditor, complete transcripts of all disputes with orginial creditor, and all accounting documents for the referenced debt account. Please provide when all disclosures were sent according to the FDCPA. For complete transparency proof of ownership is required to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC.
State: MN

Complaint narrative:
In XXXX of XXXX, a rollover of {$500.00} was made from my XXXX XXXX account to my XXXX XXXX  account. This was a completely legitimate and authorized rollover as confirmed by my employer and the terms of my employment with the XXXX XXXX Wisconsin. The rollover was approved and recorded on my XXXX account balance. There was and is no reason for denying this rollover. Now, over three years later, Optum Financial claims the rollover was NOT legitimate and that claims they originally incorrectly denied in the amount of {$480.00} for other reasons, are now denied on the basis of an unapproved rollover. There is no evidence, rule or reason to reverse this rollover and I respectfully request that my account be restored with a balance of zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX of XXXX, I the consumer-initiated payment processed to satisfy debt with Capital One, at the time I had a credit card that was at limit and simply wanted to pay it off. As a consumer I sent in my remittance coupon and requested to either have the payment applied to the account. in addition, NOT to have account closed suspended or terminated or frozen. A few weeks later I received a notice on my credit report that an account has been closed. Without warning Capital One had closed my account. A week later a notice was sent stating that the account was closed due to activity not consistent with their expectation, and violation of agreement. I always paid my notices on time and proposed a settlement which the company decided not to accept. I, the consumer has not violated any terms of the agreement. I am filing this report due to account being wrongfully handled and now these actions have caused my family and I great deal of injury. Capital One has added fees since the account has closed. In addition, selling my consumer information to third party debt collectors! I am needing to get this matter rectified and removed from my credit report. As of XXXX this account has been charged off by capital one. I have sent correspondence to advise of opting out of sharing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I took out an original loan from Care Credit through Synchrony Bank for my son 's dental work. It was less than {$2000.00} loan I believe. The company took out auto payments for 2 years. Recently, I noted that I was still paying and my balance was not going down. When I investigated on their website, I realized that I had a No Interest " special '' that ran for the first 24 months which I am sure was in my original agreement so I am not disputing that. What I am disputing is the notification as that period was about to expire which I do not recall receiving anything about- via email or regular mail. The interest essentially more than doubled the balance ( > {$1400.00} when balance was {$1300.00} ). I called today to ask about it because I honestly had not recalled that was part of the deal when I signed up 2 years prior and had not received any timely notification when it was about to end. I asked if I could make any arrangements to have that interest reduced if I paid the loan off entirely? The rep said that was not an option. The interest was there and there was nothing I could do but pay it off. Although, again I fully acknowledge that it I am sure said something about this when I first signed up ( through the dentist when my son was needing the dental work ), I feel as if this is gouging the consumer and doing so intentionally with no timely communication reminding you that the interest was going to double the loan and it was going to now take 13 years to pay off a {$2500.00} loan. That is taking advantage of consumers.

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 2024-01-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX : 1 ) Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
2 ) Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 

TransUnion : 1. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover is overcharging me for interest that is supposed to be at 15.49 % APR on an approximate balance of {$1200.00}. I have another card with XXXX at a 28 % APR and the interest is at $ XXXX XXXX Discover XXXXs charge of $ XXXX. A XXXX rep calculated interest at 15.49 % and it should be $ XXXX, approximately. 

I called Discover and they refused to give me my card number and they refused to calculate my interest with me over the phone. Instead they are sending another card out to me and they are sending a copy of their cryptic credit card agreement. 

I am a XXXX XXXX XXXX XXXX who almost lost my life in XXXX due to exposure to an unknown toxin. I was using my Discover Card to pay for housing ( AirBnb ) and other living expenses while I recovered and tried to piece my life back together last year by finding more permanent housing and a job, while undergoing surgery for minor XXXX XXXX that I also developed in service, in addition to recovery from trauma and toxin exposure. Discover charged me over {$1600.00} in interest charges on a balance below {$15000.00} in XXXX. This is criminal and warrants an investigation. 

Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX  Theft report number. 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 non-monetary relief
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-30 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-30 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: TX

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP
State: AZ

Complaint narrative:
A bought a used vehicle in XX/XX/XXXX from the dealership Quality XXXX XXXX in XXXX, NM when my then current vehicle started to have mechanical problems. The loan was originally through XXXX XXXX and then was transferred to US Bank on the same date. I re-financed the vehicle through Auto Approve in XX/XX/XXXX and the new loan is now with XXXX XXXX XXXX. I received a check from US Bank for an overpayment on XX/XX/XXXX. The dealership sent two checks to US Bank, one for XXXX made out to US Bank and one made out to XXXX XXXX for XXXX to the same address. 
On XX/XX/XXXX the payoff for the vehicle was processed through US Bank and I received an additional refund check for XXXX XXXX and another check for Credit XXXX totaling XXXX. I have never received the other check for XXXX. I spoke with Auto Approve and the dealership and received copies of the two checks. I also called US Bank several times before and after I received the checks and they always state that they don't know anything about the other check. I called XXXX XXXX and was told that they are a division of US Bank. I was also told at this time that they could not speak with me because I am a customer/consumer and that someone from the bank or the dealership would have to call them. I also spoke with the dealership and was told that they are waiting on a response from the XXXX XXXX. I feel that I have been more than patient as I have been waiting since last year. I don't understand how no one seems to know anything about this check.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am writing this complaint to EXETER FINANCE LLCXXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
BANK OF AMERICA INQUIRY. 
I DID NOT INQUIRE SHOWING ON MY 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
The information listed below was added to my credit report without my consent. Please verify if this information is correct or Im requesting that it is removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am writing you this statement for you to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

Company response to consumer: Closed with explanation