vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I contacted Kia financial last week to request an extension due to financial hardship ( covid ) and the representative who represents the company said I did not qualify for one until a year of making full payments from the last extension I received. So I asked her to read me the dates of my prior extensions I had one in XX/XX/2018 and a few months later in XXXX 2018 i had received another one. So, I asked her how was it that i received back to back extensions that did not require a full year of payments. She could not explain it to me so her answer was extensions are a courtesy. I asked her if the extensions were indicated in the initial contract I signed she could not answer. She then put me on hold spoke with a Supervisor and came back on the line and said I just spoke with my supervisor and we need only two payments to be made to qualify you. I was confused at all the inaccurate information I was receiving. I came across civil code XXXX ( a ) and XXXX which states that 180 days after the state declares that the emergency related to the COVID-19 disease has ended, no service may ( d ) repossess or give notice of intent to repossess a mobile home or motor vehicle. Secondly under civil code XXXX ( b ) On a car contract, the initial required forbearance period is 90 days. Civil code XXXX ( b ) on the borrowers request, the forbearance period must be extended throughout the covid 19 emergency period and for 180 days thereafter. During the forbearance period, the services may not assess, accrue, or apply to a borrowers account any fees, penalties or additional interest beyond the amounts scheduled or calculated as if the borrower made all required payments on time and in full. Civil code XXXX ( b ), XXXX ( c ). Thus the servicer will receive no interest or compensation for the delay in receiving payments that would have fallen due during the forbearance period. Today I called and spoke with a representative requested an extension and was denied saying that I needed 4 more payments to qualify for an extension. I went ahead and explained to the representative the civil codes in effect and he didnt care pretended he understood, but did not have any clue about what I was talking about and became dismissive. He stated he would submit a customer complaint. I also requested a copy of my contract signed by both parties. As of today I have not received a call back or a copy of such contract. I need some assistance in fixing this issue or continue with a claim agains them.

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 2022-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY received written notice of my intent to rescind the transaction on XXXX occasions. The XXXX recent formal notices to rescind was recieved by ALLY on XX/XX/2021 and XX/XX/2021. 
Pursuant to 15 USC 1635 ( a ), ALLY is required to disclose clearly and conspicuously my right to rescind in regards to ANY transaction in which a security interest IS retained or acquired in ANY PROPERTY which is used a the principal dwelling ( residential structure or mobile home ) of whom the credit was extended. Upon receipt of my notice, ALLY continued to act illegally against me. ALLY decided to report my account as a charge off, threaten and take action to repossess my dwelling, AND made it clear that they would not release any security interest. 
15 USC 1635 ( b ) clearly states the laws that ALLY is suppose to follow and their actions and words to me are a direct violation.

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 2022-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Community bank website constantly declines log in or password, so I have no access to my account and funds. I repeadly contacted bank with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I mailed a letter to Equifax in XX/XX/2022 disputing a bankruptcy that they are inaccurately reportingon my Equifax credit report. Equifax sent me results dated XX/XX/2022 stating that they verified the bankruptcy information with XXXX but that is false because I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report so how could Equifax have verified the information with XXXX? I have attached the letter XXXX sent proving the bankruptcy is removed from their data base. I also attached the dispute results Equifax sent me stating the bankruptcy was verified with XXXX after XXXX had already deleted the bankruptcy. 

I also have a letter from the court stating that they do no communicate with credit reporting agencies. Also, the bankruptcy being reported but there are no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But Equifax still did not remove this information after I disputed explaining that fact. This situation has caused me a lot of stress. I want this bankruptcy removed from my Equifax credit report once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to XXXX to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I noticed an unauthorized purchase was made on my Venmo account on XX/XX/2022. 

A total of {$100.00} was transferred from my linked checking account to purchase {$100.00} of Litecoin and included a fee of {$2.00}. 

I contacted Venmo and asked them to investigate. They froze my account for a couple of weeks and asked that I change my password, which I did. 

Today I received a response that my claim was denied and that the charge was not unauthorized. 

I read that there are other claims similar to mine and that this is being actively investigated. I absolutely did not authorize this purchase and at the time did not even know that virtual currency was able to be purchased through Venmo. 

Please advise on next steps for resolution or if anything else is needed. I am including the text from Venmo 's reply email today below. 


Hi, XXXX Your Venmo dispute case has been denied Original transaction : Transaction amount : {$100.00} USD Crypto bought : XXXX LTC Dispute amount : {$100.00} USD Date : XX/XX/2022 Dispute ID : XXXX Reason : You submitted your claim because you did not authorize this purchase. 


We received the case ( s ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( s ) : This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX. Please include your name, the email address on your Venmo account, and the date you reported the claim. 

Thank you for your patience and cooperation. 

Please don't reply to this message. To get in touch with us, click Help & Contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My bank is 5/3 in XXXX, Ohio. At the close of the year, XX/XX/2021 I noticed pending withdrawals had been placed on my checking account. I immediately visited two branches the branch at XXXX XXXX, XXXX, Ohio, and spoke with XXXX XXXX about the issue. She allegedly froze the account. I then continued to notice a third and fourth withdrawal was placed against my account. I again visited the XXXX XXXX branch and spoke with XXXX XXXX. She allegedly filed a dispute regarding the matter. 
I also followed up with phone calls with the bank in which I spoke to several bank agents attempting to resolve the illegal withdrawals over the phone. I received a letter in the mail informing me the most recent withdrawal has been denied. I called to question why the denial and the only explanation I could get was according to their policy I did not file a dispute within a 24 hour period of the withdrawal. I strongly disagree with that charge, because I phoned consistently and visited two branches regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
CKS Prime Investments , LLC at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: OH

Complaint narrative:
On XXXX XXXX I received notice that my credit had been approved for a refinance. I never inquired about a refinance. I pulled my credit to find that they ran my credit on XX/XX/2021. On my credit report I also found that my soon to be ex-husbands parents address had been added. I called the company and they did not have my email or phone number on file as this was a new mortgage as of XX/XX/2021. My ex was the one who set everything up so I had no communication with them. During XXXX there was a divorce and protection order filed and all financial issue were to be put on hold. Nobody can provide me information to how they got my new signature for the " pending '' refinance and I can not dispute to have this removed from my credit because it is being used for a refinance. They continue to say they will call me back or email me information and I never hear anything. I NEVER authorized any of them to run my credit or attempt to refinance the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: TX

Complaint narrative:
To whom this may concern, Ive reached out to Lexis Nexis and got a letter saying they do not have anything on record. As of XX/XX/XXXX. 
XXXX gave the same response as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), DBA : XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the the total amount of XXXX USD utilizing Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX ran my credit without my consent. After being told multiple times it was fraud and sending a letter letting them know it was fraud Equifax continually refused to fix the fraud inquiry where someone tried to use my info to get an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted TransUnion Consumer, regarding a debt that does not belong to me, XXXX XXXX XXXX, collection debt in amount of {$4600.00} dollars. I sent a letter to TransUnion on XX/XX/2022 and have not received a reply nor the requested information with actual documentation of the debt validation. This is harming my credit and has created denial of my credit approvals, please help.

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 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm writing this complaint with the CFPB because of XXXX ' blatant refusal to rectify the issue. I purchased ( XXXX ) appliances from XXXX a side-by-side refrigerator ( {$1800.00} ), an over the the range microwave ( {$530.00} ) and a XXXX gas range ( {$940.00} ) ; via Citibank 's shop-your-way card with deferred billing Interest for 12 months. The delivery date was set for XX/XX/XXXX. However, XXXX reschedule the date for XX/XX/XXXX. XXXX delivered the refrigerator, microwave and attempted to deliver a range that I did not order. I refused that range. They would not give me a date when the correct range would be delivered, so I asked them to cancel the order for the range and refund the cost of the range to my card. To date, that request has not been fulfilled. Keep in mind that my first payment was due on XX/XX/XXXX before my delivery date of XX/XX/XXXX. I told XXXX I would make a payment on XX/XX/XXXX after I received my goods on XX/XX/XXXX. I made a payment of {$260.00} on XX/XX/XXXX and another payment on XX/XX/XXXX. To date XXXX has not deducted the price of the range and is adding accrued interest on the total amount of the ( XXXX ) appliances, not minus the range. I have not received any information regarding the billing dispute filed on XX/XX/XXXX. I am left with no recourse but to file a complaint for deceptive and non-transparent practices.

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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
This company did not give enough documentary evidence to verify for this alleged debt from complaint XXXX. I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account. I want a full audit trail and not an altered contract like the one you sent pursuant to 12 USC 5562 ( c ) ( 10 ). AD ASTRA still can not produce a contract between me XXXX XXXX XXXX and AD ASTRA. In the state of Illinois AD ASTRA is on probation and can not collect. Expect a complaint from the Illinois Attorney General 's Office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
XX/XX/2022- I received an email stating that my account is going to be closed by Gemini and over {$200000.00} of funds will not be returned to me. Gemini updated their user agreement ex post facto to try to steal my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX XXXX Re : Cease and Desist False Reporting Contact To Whom It May Concern : This letter serves as notice to you and your company to immediately cease and desist erroneous credit reporting. 
Pursuant to the Fair Credit Reporting Act for fair and legal reporting debt, we demand that you and your company stop the monthly charge offs. 
We closed our account in XXXX due to fraud and you have placed over 50 charge-offs since then. You are deliberately keeping the account open to justify the reporting monthly charge-offs. Per your website, members must maintain a {$5.00} balance to keep accounts open. We have had a zero balance in the account since XXXX. Yet, every month, you send a statement reflecting a zero balance savings account claiming that the account is open. This is a direct conflict with the minimum balance requirement per your policy. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), this falls under non-compliance with the law and false reporting. 
In addition, this constitutes a breach of contract since the original credit card agreement does not authorize the re-charge debt. 
If you continue to issue charge-offs, we will be forced to take legal action against you for violation of the Fair Credit Reporting Act and will seek all available damages and remedies. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
I have never applied for a loan with this company and I do not need a loan. This company has emailed me numerous times that my loan is waiting for me to sign and all I need to do is click on the link in the email. I did not ever apply for a loan! I have responded to every email that they have sent and asked them to take my information out of there system because I did not apply for a loan and I believe someone is trying to get a loan in my name. I counted 6 emails in the past 4 days that they have sent me. When I reply to them and ask them to take me out of their system, their response is that " I need to reply again with my Full Name and Last 4 of my Social Security Number ''. I, of course, am not going to give that information out to a company that I have never heard of and never applied with. I have worked in marketing and I have worked with automated email systems and I know how all of it works. They can most definitely at least take me out of their email list if nothing else. But, when I get replies the come from a person and the replies are from a XXXX email, so someone must be reading them. All I want is for them to take me out of their system and acknowledge that someone is trying to get this loan in my name and stolen my information. The company is National Small Loan and the website is www.nationalsmallloan.com phone and fax are P : XXXX F : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

1. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE Child Support Case Number : XXXX Please remove this 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 2022-02-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am name is XXXX XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation