vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX the car stopped on the highway unexpectedly, I assumed it may have been the battery and had the vehicle towed to XXXX XXXX XXXX XXXX located in XXXX, Fl. In the interim I reached out to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX to notify them of the vehicle status. On XX/XX/XXXX I received notification from XXXX of XXXX XXXX that the Catalytic converter was missing and it appeared to have been sawed off/stolen. I believe the vehicle was sold to me with this part missing and a proper inspection would have discovered this issue. I brought this to the attention of XXXX XXXX on XX/XX/XXXX and was advised to have XXXX XXXX XXXX XXXX file a claim with XXXX XXXX to review for repairs. I was notified by XXXX on XX/XX/XXXX that the warranty company would not install a new catalytic converter. I was then instructed to file a claim with my insurance company for theft, although I am quite certain that the part was missing when they sold me the car. Now I am stuck with a vehicle at the repair shop and a bill totaling {$3900.00} to add a missing part. I believe the dealership took advantage of me and knowingly sold me a vehicle that was not properly inspected which could have resulted in a major accident.

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have continued to be a victim of identity theft with Best Buy. I do not shop there, i have not purchased anything from this store in many years. Yet, this is another time someone has used my identity to charge items using my name. I have called Best Buy, and Citi bank recently for this new acct that appears to be in my name. I keep telling them it isn't me, and i don't shop there, to cease and desist. I filed a dispute with the credit bureau a couple mos ago too. The amount is now {$1100.00} not resolved. I asked them why they did not close anything with my name after the past id theft? I never will shop there!! I have been so upset over this company, and it has caused me too much ongoing stress. Please help me permantley resolve this Best Buy nightmare! I do not like this affecting my credit rating, as it is not my purchases!! ThankYou

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I called the company, made a full payment of my remaining balance ( {$110.00} ) and told the representative that I wanted to close the account. I was told the account was now closed. 

In XXXX I received a text message from the company stating I had a remaining balance of {$2.00}. I called the company and explained I had paid out the remaining balance and had closed out the account the month before. I was told the representative had made a mistake and left the account open, that the {$2.00} ( in interest charge of XXXX purchases and {$0.00} balance ) would be voided and the account would be closed. 

On XX/XX/XXXX I received once again another text message stating I now have a balance of {$66.00} ( continued interest charges on XXXX purchases and {$0.00} balance, plus late fees ). I called once again, asked to speak to a supervisor since this was the second time the account had not been closed. I spoke with supervisor XXXX # XXXX ( XX/XX/XXXX at XXXX XXXX  ) and tried to explain the situation, and my multiple attempts to close out the account. The supervisor was extremely rude and disrespectful. He stated they wouldn't close out the account until I paid the {$66.00} in fees, and that I had no choice but to pay the fees because that is what the computer shows I owe. 

I have now received multiple calls from different individuals stating they are from collections attempting to collect the {$66.00} debt. I do not understand how the account has been sent to collections if the account remains open with the company still acquiring fees. 

It is unethical and against the law for the account to have remained open after I requested to close it, twice, and for the company to continue to charge me for an account I no longer agreed to keep open. 

My daughter attempted to call for me on XX/XX/XXXX to see if she could resolve the issue before putting this complaint in, and was told there were no supervisors available for her to speak with and that the only think they could do is transfer her to a XXXX speaking representative ( since I only speak XXXX ). 

Ive exhausted my ability to resolve directly with the company as their proposed solution has been for me to pay and still nothing guarantees they will actually close the account. 
I would like the help of CFPB in resolving this matter before having to search for an attorney. I would also like for other people to be aware of the companies ethics and lack of respectful customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violation : address not mine 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 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 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 XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX {$1200.00} XXXXXXXX XXXX  {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$840.00} XXXX {$1500.00} XXXX  {$840.00} XXXX XXXX FCRA Violation : other loan never been late XXXX XXXX XXXX XXXX Violation : collections XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX 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 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 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 FCRA Violation : credit card not mine XXXX XXXX {$1200.00} XXXXXXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$840.00} XXXX {$1500.00} XXXX {$840.00} XXXX XXXX FCRA Violation : other loan never been late XXXX XXXX XXXX  FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$1100.00}

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
On XX/XX/XXXX, an identity theft happened to me. The attacker pretended to be me and requested an esim, which XXXX my access to my number and I was no longer able to receive an calls and texts. Then they logged into my Current ( current.com ) account, because Current only required a text to the registered number to log in, and that was my stolen number. I had {$6000.00} in my Current saving XXXX but the attacker transferred them into a spending account, and then attacker made transactions to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I was in XXXX ) and " XXXX XXXX '', and the fraudulent transactions totaled to be {$3500.00}. I filed a dispute and attached the identity theft report, but the dispute was declined. The attacker also made several transfers to other Current users on XX/XX/XXXX and XXXX, and it totaled to be {$2400.00}. I also disputed the transfer and got this money back. 

However, my Current account was hacked again on XX/XX/XXXX. I got an notification of a new log in that I did not recognize, and the attacker then made an {$1900.00} transaction to " XXXX XXXX ''. I disputed the transaction again but the dispute was also declined. 

In sum, there was a total of {$5500.00} in fraudulent transactions that Current declines to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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 2023-01-27 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: NJ

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm this records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$390000.00}

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 2023-01-27 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-01-27 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no XXXX party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Transunion Credit Bureau. Despite sending them the last letter Therefore, Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 2023-01-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Hello this is XXXX XXXX XXXX. 
My issue is not with the debt of the mortgage as the mortgage is paid off. The attorney will answer by saying he does not have to answer questions as the debt was paid off over five years ago. 

The issue is the attorney from XXXX XXXX who represents Ocwen loan servicing did not consider my request to not email me as I have vision defects from XXXX XXXX. I asked the attorney to call me in future and this did not happened. I was sent letters in large font I did not request. Under the Americans with XXXX XXXX I asked for him to accommodate me. This was a burden to him. Another occasion he hung up the phone on me and my XXXX XXXX representative. I contacted the ombudsman at Ocwen about my treatment from the attorney not considering my request for a phone call. I do not use email often or computers because of my vision and headaches. 
Ocwen ombudsman has never called me back after my complaint about the attorney. I am choosing not to use the attorneys name as I would not want to embarrass him. Under the XXXX act I had rights and never got any opportunity from the attorney how I would like communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized DSRM Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been banking with Wells Fargo for XXXX  years with in my XXXX  years I have had problems with my checking account XXXX minute all my money is in my account then another I can go buy things and look back on it and its telling me I owe all that money back when I kno how much I have spent the other problem is I call up there in told them to take that overdraft fee off if its not there let it not go thru they still have it on my account XXXX if I dont have the money there now they charge me XXXX dollars every time a lil payment come out from anyone thats trying to charge my card and I have to pay back XXXX more out my pocket I am tired of it I call up there to tell them the problem they couldnt have me with anything XXXX what I do now from this time on I have stop putting money in that account in it in if anything being tooking off it I put money in that account but they still charging me the extra money also

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