vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Completed a lease with Hyundai Motor Finance ( HMF ) on a XXXX XXXX XXXX. 
The vehicle was returned to the dealership on XX/XX/2020 - no damages were noted on the return of the vehicle. 
This vehicle was original to have been returned on XX/XX/2020, however, Hyundai refused to accept the return due to space constraints at their dealership lots. Due to repeated calling, the vehicle was finally accepted for return on XX/XX/2020. 

I am owed a {$1600.00} refund for my security deposit on the vehicle. I have spoken with HMF on several occasions, the agree this money is owed to me. I was told the refund would be issued within 3 weeks of the return of the vehicle. 
HMF has not issued by refund and will not give me any timeline. 
As of the writing of this letter, it has been 63 days since the return of my vehicle. 

Hyundai has breached its lease agreement with me on multiple points.

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 2020-08-17 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: GA

Complaint narrative:
XXXX Equifax XXXX. XXXX XXXX XXXX. Box XXXX XXXX PA XXXX XXXX XXXX Is reporting false information on my Credit Report. I sent a letter of dispute on XX/XX/XXXX, in which I provided proof of my identity, an Affidavit and other documentation in support of my legal dispute. I followed up with further correspondence on XX/XX/XXXX, to ensure every possible document required was served! 

I sent the same information to all three of the credit bureaus on the same date yet only XXXX, has taken the immediate action necessary to remedy this wrong against my credit report! I submitted a request to XXXX online requesting my login details be reset, yet they failed to respond in the promised 24hrs. I called Equifax, and they asked me to identify myself by testing me with false information which I disputed and outdated information which should have been removed in XXXX. The first customer service representative correctly identified me, however, when I passed on to his colleague who asked the same questions concerning information which shouldn't be on my credit file she claimed to not be able to positively identify me. When I asked to speak with a supervisor I was placed on hold for an hour after which time I hung up! 

The continued reporting of false information on my credit report is adversely impacting my personal and professional finances. During this time of COVID-19 Pandemic, that is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I recently obtained a copy of my credit report. I noticed a collection on my report from Convergent for XXXX. 1. I was never notified about this debt. I never received any letters or phone calls concerning this debt. I was never given an opportunity to dispute this debt, it just showed up on my credit report. 2. I do not owe this debt.

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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I received a debt from Convergent Outsourcing in XXXX WA XXXX from a XXXX. I called the collection agency to report this as fraud and the CSR starting asking for my Social security number. I told her I want to report this as fraud because I have not had a XXXX. Can I please report this as fraud and she continue to ask me if I know someone or allowed someone to use my information, NO Why would I do that! I continued to inform her I would like to report this as fraud and she hung on me. I would like to report this company along with XXXX for fraud. I do not owe XXXX and I do not owe Convergent. I feel harassed by both companies. Can you please fix this?

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX I was notified by XXXX and XXXX that a negative collections remark was added to my account. This was placed there by CCS Companies on behalf of XXXX. I do not have a XXXX account and have not lived in a service XXXX area since XX/XX/XXXX. Yet, the report states that I was late as of XX/XX/XXXX. I disputed this with both credit agencies and it was removed, then readded in XX/XX/XXXX. I disputed it again and was denied removal. I do not owe XXXX any money and I have never been contacted saying that I do by either this agency or XXXX. The collections just appeared on my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: GA

Complaint narrative:
I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.

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 2020-08-17 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: GA

Complaint narrative:
I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX  is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.

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 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Amazon Prime credit card has issued a refund on XX/XX/XXXX per their statement back to a credit card. I specifically requested a refund as I no longer want to use this credit card. The rep on XX/XX/XXXX told me I would receive an email in 2-4 days choosing to have a check mailed or a direct deposit. Today XX/XX/XXXX supervisor XXXX of XXXX Missouri stats he can not refund the money to me because the dispute has not been finalized. I want my money direct deposited to my checking account as previously promised by Chase. I do not want a check in the mail because I am afraid I will never receive it just like I never received my purchase from Amazon using the Chase credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 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: MI

Complaint narrative:
I am not aware of the account XXXX XXXX which is reflecting on my credit report. I spoke to all three credit bureaus and XXXX was the only bureau who recognized the false information and removed the item. I have been in works with experian and XXXX   to get this removed but have not received any correspondence.

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 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
As I own an account with Paypal and his email address is XXXX Paypal requested documents proving my activity, which is selling health and beauty products - and I submitted these documents, which are 100 % correct invoices, but I was surprised that they seized my money, which amounted to {$6200.00}. 
Unjustly, they didn't even send me one message to inform me of the reason for withdrawing the money. And that was in XXXX They will claim that I violated the usage agreement, but my documents related to my products are all in order, and I have settled all disputes with buyers amicably. Except in some cases, I was surprised that Paypal closed the dispute on his part and returned the money to the buyer and then comes to take compensation for that even though he did not investigate this It confirms the validity of the buyer 's claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aurora Enterprises, Inc.
State: CO

Complaint narrative:
My name is XXXX XXXX XXXX my number is XXXX I am contacting you because i feel as though i am being illegally pursued for a debt i do not owe. The debt is with aurora bureau of collections and it is for XXXX XXXX XXXX XXXX i just went to court on XXXX and told them i disputed the charges but i didnt have the money for the filing fee XXXX. So he told me the judge would enter a default judgement against me to give me to time to file me response not even two day later i have a letter from aurora bureau collections lieing and stating judgment was entered against me and they demanded payment i kept the letter and took it to court and filed the filing fee and copy of them demanding payment before the judge had even ruled!!!! Then they complaint say there were 7 holes in the wall not while i lived there the church wouldnt of given me the money to move to XXXX XXXX XXXX XXXX XXXX XXXX colorado XXXX if they would slof saw wholes in the wall!!!! Then XXXX XXXX gave me a week to move i moved and got the money from the church in 4 days!!!! So why is she trying to sue me 4 years later and put it on my credit when i did what she asked and i suspect identity theft and fraud because there were no 7 wholes left in the wall when i moved into my new home so that makes me wonder who did she allow to live there under my name after she kicked me out and i was already in new home to obtain 7 wholes in the wall??? I have all my court papers. Please call me back at XXXX something is not right and it dont add up. And i dont think they followed the necessary legal steps to collect and pursue for this debt. Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RIGHT START MORTGAGE, INC.
State: CA

Complaint narrative:
XX/XX/2020 To Whom It May Concern, I have a refinance with Right Start Mortgage. When I got the refinance in XX/XX/2020, it was to pay off a solar panel loan that was attached to my taxes. I was told that the taxes would be reset to the original amount when the loan was funded. The taxes with the solar panels on was {$4600.00} and without them it should be around {$2400.00} a year. Then I got a reassessment for my escrow account in XX/XX/2020 that showed the old tax amount. Right Start Mortgage did not change the tax amount and is not trying to get almost {$300.00} a month more, which I can not afford. I was struggling to pay the payment before this excessive increase due to Covid-19 which caused me to have less hours at work. I contacted Right Start about the reassessment being incorrect and they said they could not change it until they received a tax bill from the assessors office. Why did the broker promise me that he would reset the taxes, when it looks like they could not do that in the first place? I feel it was a bait and switch to get me to go through with the refinance. I informed the representative at Right Start Mortgage Loss Mitigation that I would need to be put on the forbearance plan because they  messed up my loan and I could not afford the new payment amount. I was told on XX/XX/2020 when I contacted them that I would be put back on the plan. I thought things were going as they said. So I waited to get the packet they were suppose to send. I didnt receive it as of XX/XX/2020, so I called on XX/XX/2020 and the representative informed me I had been in a forbearance plan and it ended XX/XX/2020. I asked her how could my forbearance be ending date of XX/XX/2020 when I had requested to be put back on the forbearance plan in XXXX. The Right Start representative stated that she saw that I had called in XX/XX/2020 and that they were suppose to set me up for the forbearance and did not complete it. So on XX/XX/2020 that Right Start representative stated that she will get me back into the forbearance plan so that I would not get penalized for not being able to make the XXXX payment. On XX/XX/2020 I received a letter stating that I had recently informed them of my hardship due to Covid-19 and requested a forbearance plan. It states that I should have received a forbearance agreement. I did not receive and agreement and no one has called. I called on XX/XX/2020 and was informed that the payments have been suspended for the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. I need to have my taxes reassessed to the correct amount for the mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: AL

Complaint narrative:
MY INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I asked XXXX, Experian and XXXX to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 XXXX. The following account is not mine XXXX XXXXXXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect XXXX XXXX XXXX XXXX   XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect XXXX XXXX   XXXX XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020

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 2020-08-17 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: AL

Complaint narrative:
MY INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Had a student loan with XXXX and XXXX XXXX XXXX called me and told me about aXXXX XXXX XXXX XXXX XXXX   that I would qualify for ( Income Driven Repayment Loan ). At the time I was single and just started a new job. I was told the status of my loan would remain under my single status because I took the loan out before I was married so therefore it would not affect the long term 10 year option payoff that I qualified for. I paid the company upfront 4 payments totaling close to {$1000.00}, one I bt was told was for filing the needed paperwork to obtain the loan. I was accepted and have attached the documentation showing that I qualified for payment of {$10.00} per month for 10 years, no late payments, and the loan would be paid off in full. I received an email recently that payments stopped due to COVID but would restart in XXXX so I needed to re-qualify again showing my salary still qualifies. I called the company and found out they are out of business due to a suit that was filed against them as they were forced to close their doors. The number I called is XXXX. It appears they made a false claim that XXXX XXXX XXXX  was connected to them and they filed for a password and email using my information, acting as I knew that the loan was connected to this company. The XXXX XXXX XXXX login I received was from them acting as if they connected to the original XXXX XXXX XXXX online so I could see my information. I was confident in XXXX XXXX XXXX being that I qualified through them a second time and they had my bank account information, taking out {$10.00} a month for student loan payment. I called a associated with the Department of Education to complain and I was told to call Fed Loans and explain the situation to them as well as make a complaint with you. When I called Fed Loans they told me they are now XXXX XXXX XXXX, I am paying {$0.00} total as of the information XXXX XXXX XXXX   provided them and that I owe about {$600.00} and somewhat dollars in interest. They had no idea I was making payments of {$10.00}. I have included many emails with dates and the contract that I e-signed showing the original 4 payments of {$240.00} and dates showing I was to pay {$10.00} for 10 years. I have emails showing original point of contact, emails that they were in receipt of my {$10.00} a month, that I re-qualified for the loan, they sent me login and password from Fed Loan, etc., posing as they were the Fed government they were working for and had the power to access their site for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
XXXX and Experian are fraudulent on my accounts CAPITAL XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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