vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
They inflated the price of the vehicle and put things in the contract that I didnt agree to and then inflated the actual price of the vehicle I paid XXXX to XXXX to get the vehicle and then I started having mechanical Problems radiator transmission  and all so I finally couldnt drive the XXXX XXXXXXXX XXXX I was supposed to pay XXXX to XXXX for then I found out they were inflating the price to XXXX I didnt know this untill after the purchases they put some kind of vehicles XXXX  and XXXX  XXXX  afterwards and charged me extra for all that to now Im paying an large amount of interest on a XXXX  older car and the price on it was upped to XXXX more than the blue book on it I already need another vehicle but cant save a down payment

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 2023-09-26 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Credit was ran without my consent and credit bureau neglected to contact me for consent. Despite note on my account, making them aware to do so due to fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Several attempts to contact the reporting agencies involved regarding this information being misreported on my credit file and no bankruptcy was filed yet they keep reporting it and not telling me how they're getting me information

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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: The Aligned Company DBA Extra
State: CA

Complaint narrative:
When I open this account on XX/XX/2021, I was told this is a debit card with a checking account, and it does not require any credit check. I closed this account 2 months after opening it. However, this debit card is shown as credit card and is still in open status today. I contact the company customer service, they again assured me it is a debit card, not a credit card. And in their current website, they still advertise it as 'debit card ' in a misleading way. I am currently applying for XXXX  business account and get declined for the reason 'Number of recently opened accounts on credit report ' because XXXX view this 'debit card ' as a credit card. After reporting this issue to Extra, extra 's internal team admit there's a mistake for my account, but extra refused to help me fix it by removing this account from my XXXX  credit report. Although Extra keeps assuring me that this is a debit card, not a credit card, but it is actually listed as credit card in credit bureau 's report and affect my life unknowingly during past 2 years. EXTRA is intentionally misleading its customers by advertising a credit card as debit card/checking account, and it is against my will to open a credit card. For me, it really feels like a scam, and all I am requesting is remove it from my credit report so it will not affect my life in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
Since XX/XX/2023 I've been trying to transfer {$20000.00} out of a XXXX savings account. The company cancels every transfer with no explanation. I've messaged on their app and emailed multiple times. This weekend, they locked my account entirely. I need my money!!

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 2023-09-26 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XXXX because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX XXXX XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, XXXX XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX XXXX 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: IL

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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. 

I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not take any action regarding the incorrect and fraudulent information on my credit report. Experian within minutes in most cases sent me an automated email saying your investigation is complete. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Experian should be held accountable.

Their inaction is making my life unfairly difficult. 

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply.

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 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have encountered a fraudulent situation involving Cash App and a purported furniture store named XXXX XXXX, also known as XXXX XXXX, with the Cash App handle $ XXXX and a contact number of XXXX. Despite the clear fraudulent nature of this store, Cash App has allowed it to continue its operations and has even protected it. When I sought assistance from Cash App regarding this matter, they refused to release the name of the perpetrators, hindering my efforts to file a police report against both Cash App and XXXX XXXX. It's worth noting that while Cash App claims to investigate every disputed transaction, their policies state that Cash App to Cash App payments are instant and usually can't be canceled. Furthermore, even though they provide tips to recognize scams and report phishing attempts, they do not always guarantee a refund for a fraudulent transaction. Given these circumstances, I am filing a police report against both entities for theft and am seeking the CFPB 's intervention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
Issue has be on going for almost 6 months with no real resolution insight. Fifth Third Bank closed my account and is keeping my money for their investments use but will not return my money nor give me access. 

XXXXSigned up online for checking account and funded the account {$500.00} via online from my bank account. XX/XX/23. Received email stating my debit card had been activated, though I never received the card. Called customer service about unauthorized debit card activation, was told to come into a branch to verify my identity. Informed them that is was not possible because I live in KS and the branch they suggested was in Indiana. XX/XX/23 Received letter in mail stating the account would be closed. XX/XX/23 Called customer service about deposit being returned due to the account being closed. During the call I was transferred to local branch in Indiana, and was giving the same irrational answer of flying into Indiana just to show someone my ID even though I have no account with them at this time. 
XX/XX/23 Called customer service to speak to upper management about situation only to be transferred back to fraud department. Representative informed me of the option to email ID and SS to get verified by Indiana branch. Rep said she would note my account of the matter so Indiana branch manager could better understand the situation. Called Indiana branch never spoke to branch manager because called was screened by a rep who rememberer my call from months ago of same issue. Indiana branch refused to accept their own suggested solution of emailed copies of verification. 
Bank still wants me to fly out of town to go into branch to show a teller my id. Upon showing my ID, I still wont get my funds on demand because they will be mailed by check in 7-10 to my home in XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i have been going back and forth with experian about these unauthroized charges on my account. i opend a student loan when i was in XXXX XXXX which is the only thing on my credit report that is authorized they had my account crossed with another social security number

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Several attempts to contact the reporting agencies involved regarding this information being misreported on my credit file and no bankruptcy was filed yet they keep reporting it and not telling me how they're getting me information

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 2023-09-26 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: CA

Complaint narrative:
To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes sent me an automated email saying your investigation is complete. Equifax did not even take the time to verify these fraudulent accounts .This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable. 

I tried to verify these accounts by contacting above creditors. All of them had different addresses and phone numbers on their files. They are clearly fraudulent and Equifax is not doing a single thing about it. 

Claims/Disputes confirmation numbers with Equifax are XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Loan Lending Company XXXX XXXX. At this time the Lending Company has merged 3 times to a fourth company, now Nelnet since I signed up. That is an indicator to me and a privacy concern. I thought the bank account information and the personal information in general should have been a Second Amendment possibility. The company is for students and that is too much to consider after a XXXX I am now alerting someone. 
I have written a letter of complaint by mail to the company direct unsure of receipt. 
XXXX XXXX XXXX XXXX Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Dear Sir/Madam, I am writing to express my concerns regarding my experience with Synchrony Bank and Care Credit. Recently, I required a root canal that was not covered by my insurance and I had insufficient funds to pay for it myself. A Care Credit representative assisted me with online signup and I proceeded with the root canal. 

During the sign-up process, the representative informed me that the first 18-24 months would be interest-free, with interest applied afterward. However, I was not informed that accumulated back interest would be applied if the amount was not settled within the interest-free period. When the interest-free period ended, I was left with a balance of approximately {$530.00} on my card. To my surprise, when I checked my balance for the next payment, it had increased to over {$1600.00}. This put me under financial stress and significantly lowered my credit score from the XXXX to the low XXXX. 

I have made several attempts to contact Synchrony Bank to discuss this issue, but I have been met with unhelpful and uncooperative attitudes from both customer care representatives and supervisors. Despite requesting the account 's closure, I continue to receive robocalls and daily emails from Synchrony Bank. 

Had I known about the back interest during the interest-free period, I would not have agreed to the card. I feel that this is a deceptive marketing tactic and poor business handling. I would appreciate any assistance you can provide in resolving this matter. I am willing to continue paying down the balance of the card before they apply all of the back credit. 

Thank you for your attention to this matter.

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 2023-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
This is an old second mortgage that was past due. We tried to do modification and they deny it. Saying we do not qualify. They send an offer that for us to save our home or some type of modification we need to paid then over {$10000.00} and stay we the same terms of the loan and high interest. The penalties and past due surpass more than {$98000.00}. right now I owe more money to them than my first mortgage. they already file foreclosure with the state of NJ and not willing to work with us. I call them to ask for their help at least to change the terms of the loan to make it easier for us to pay and they told us that since I apply in XXXX for modification, right now it will be more money that when we applied. I'm getting Absolutely no willingness from them to help my family and my hardship. for them there is no option and when I told them I can not afford to pay them the {$10000.00} right now the agent told us that's what we do ask for money for some sort of modification. I'm in a hardship I don't have that money to give. I work in the hotel industry was out of work for 3 years after corvid. My first loan help us to change terms of the loan worked with us an lower our interest rate. why can they do the same. I'm frustrated and has cause my family an enormous distress. i just want a fair modification to save my home.

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 2023-09-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
Credit was ran without my consent and credit bureau neglected to contact me for consent. Despite note on my account, making them aware to do so due to fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Credit was ran without my consent and credit bureau neglected to contact me for consent. Despite note on my account, making them aware to do so due to fraudulent activity

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 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received an email from Nelnet on XX/XX/XXXX saying I qualify for a 90 forbearance on my loans, due to being in a natural disaster area from the Hurricane in XXXX, FL. The email stated to respond if I wanted to opt in, of which I did respond the same day I received that email. It is currently XX/XX/XXXX  and I never received a response for forbearance and my account still shows as owing my first payment on XX/XX/. This puts me in a terrible spot as I am going through financial issues and was relying on this forbearance and did not realize that their system would be this messed up. I have been attempting to call them but I have been stuck on hold for hours with no one picking up. I submitted an email to Nelnet as well to no prevail. 

I am afraid their incompetence is going to force me to pay on XX/XX/XXXX with money I don't currently have. 

I also understand their email stated they'll review it and approve it if " I'm eligible '', however I never received a follow up response and my account does not show any status updates from this, which leads me to believe that it was never looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I REQUESTED TO VALIDATE INFORMATION TO THE DEBT COLLECTION AND THE DIDN'T PROVIDE WITHIN THE 30 DAYS AND THEY DONT HAVE THE INFORMATION I REQUESTED. 

THEY SEND ME A LETTER CONFIRMING THIS, SEE IT BELOW

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