vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
My bank statement shows two payments of {$330.00} being withdrawn from my account in a period of one week in XX/XX/2020. I contacted HMF and they said only one payment posted. After consulting with my bank, two payments of {$330.00} were indeed withdrawn for a total of {$660.00}. I would like a clarification of these charges and would like to have my next month 's payment waived since I paid double this month inadvertently.

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 2020-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Thursday I opened an account online with TD Bank and was approved. Before, every time I applied I was always denied because I owe them from an overdraft account years ago. Following that I received a letter in the mail saying that my account was one of the accounts listed in the TD overdraft settlement, and I put in my claim for it months back. In early XX/XX/2020, I called TD recovery department and asked for the owed balance to be settled, I was offered {$200.00} by XX/XX/XXXX, I agreed with that price. On XX/XX/2020 I walked into the TD branch in XXXX, FL to seek assistance and letting them know I just opened an account but I would like to pay whatever I owe first that way I wont go through any hurdles maintaining my account. I told the assistant manager, I dont remember his name, but it was a busy day and he took me and I gave him my ID, and he ran me through TD systems and verified that I did not owe anything to them, and he instead to verify and he called TD security to make sure everything is okay. He said he see nothing that I owe again, so I told him about my taxes and I needed somewhere local to store the funds, he told me to open the account. I opened it, deposited {$100.00} in my checking and {$20.00} in my savings, and was given a debit card. Then I came later that day and deposited {$300.00} into the atm because I didnt want to have too many cash on me. Friday passed, Saturday, I tried using the card for XXXX, it didnt work, XXXX XXXX, it didnt work. I called td to ask why its not working. I was told the account is not activated because the security team put an alert on my account from past due. I cant use my card at all with {$390.00} on my account with them that I just opened. I had to ask family for money to get where I needed to go because I was able to log in the app and there was funds shown. This is really emotional because I could have paid them the settlement of {$200.00} but I was told its was no past due accounts found. This is a horrible time for it to happen while trying to pay for bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/20 at about XXXX XXXX  PST I saw an email that stated my son XXXX Chase XXXX XXXX checking that is linked to my Chase checking account was overdrawn on the subject. So I looked at the Chase app his account was at XXXX, so I immediately transferred XXXX from my checking account because I thought his account was over drafted due to a XXXX monthly service fee. Then when I looked at my savings account I saw there was XXXX transferred to his account to cover the overdraft. I saw there were two transactions of XXXX each, total of XXXX made on XX/XX/20 done at a XXXX XXXX station in XXXX XXXX. I called the bank immediately On XX/XX/20 at about XXXX XXXX  PST and explained to them that there were two unauthorized transactions on his account. I explained them that he was home all day and night and he did not go to XXXX XXXX. We live in XXXX CA which is 40 miles away. They asked to speak to him and he told them he did not make the transactions and he had his debit card with him the entire time. They told me that they would reimburse the money to his checking account. I asked if there was anything else I needed to do they said no. They never told me it was temporary and that they would reverse it, but they did reverse it. On XX/XX/20 they reversed the amount, I called them On XX/XX/20 because XX/XX/20 was a Sunday and they are closed. They told me they reversed it because he made the transaction with a PIN. I told him he did not make the transactions, he was here all night. They said someone would contact me within 7 business days and that I would need to prove he was here. I told them if they could prove it was him, if they had a video or a camera. They didnt say anything. His account remained overdrawn. Then today on XX/XX/20, Saturday they have taken out XXXX from my checking account to collect for his overdraft. No one contacted me to ask me anything prior to this. Now I have to wait until Monday XX/XX/20 to call the bank and my rent is due XX/XX/20. This is truly wrong. Gas stations do not issue that much cash back. My sons transactions show he has never pumped that much money in gas. I didnt receiver one text alert alerting me of a fraud transaction when it clearly is fraud. Two transactions of the same exact amount from a gas station. Never have I experienced a problem like this with Chase. I am very disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I would appreciate for my bank Wells Fargo to refund me a payment I made in the the Wells Fargo app via XXXX. This is advertised as if its a secure payment system and its not. I was scammed out of {$120.00} dollars on XX/XX/2020 by another XXXX customer named XXXX XXXX and they are refusing to give me my money back for the goods I didnt receive.

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 2020-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX Tennessee on XXXX XXXX While attempting to trade the vehicle in I discovered that there was an extended warranty contract that I never saw or signed for $ XXXX.I went to the dealership to address the issue they said it could be cancelled.I said what the amount financed from the beginning of the contract should have been.I asked for a copy of a signed document which they could not produce days later Finance guy gives me a document with a Clear forged signature.This is forgery and fraud.Capital XXXX financed the vehicle and said they couldn't provide me any documentation of said Extended warranty contract which was included in the financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
It appears that Wells Fargo intentionally created multiple delays including requiring a borrowers consent form after waiting 7+ months to telll me about this requirement, in order to tack on interest charges to the SBA note so that Wells Fargo can get a bigger payment on the 75 % SBA tax-payer funded guarantee ; the original SBA loan was {>= $1,000,000} and was paid down to approx. {$1.00} XXXX and now from what XXXX XXXX tells me the SBA loan balance is at least {$1.00} XXXX! Here are 3 examples of how WellsFargo artificially extended the timeframe with delays... 

a ) 6 SBA loan payment deferments but no working capital and during this period of payment deferments, I had lenders/investors willing to work with me which means that we could have only needed 2 or 3 payment deferments if Wells Fargo had a good-faith conversation with these third parties but Wells Fargo did not respond to any of my communication attempts. Another huge missed opportunity to fix the mess created by Wells Fargo. 
b ) Wells Fargo still wants me to pay accrued interest on the SBA loan but I had no control over the investigation ). There have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied. 
c ) Wells Fargo still wants me to pay accrued interest, penalties on taxes but I had no control over the investigation ). here have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied.

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 2020-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I purchased a new Tesla  via Tesla Financing. I signed paperwork and took the car. Weeks later I was told they had an issue with the application. I found out they had lost my data. After many emails, long wait times, Tesla disabling my key when I needed it to drive, and other issues, it took them 2 months to resolve the issue only partially. I am a very well qualified buyer so there is no issue on my end. 

My temporary plates expire in less than two weeks and Tesla will not help me in finding a solution. They are not writing or calling me back. 

They do not communicate properly and in a timely manner with their customers. This negligence should not come without consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I reached out to LVNV Funding LLC regarding the {$850.00} they say I owe they agreed to send me a full print out adding up to the amount listed. The statement they sent me was inaccurate. I reached out to them again spoke with a supervisor and disputed it over the phone with her and still no results but they continue to send the collection letters. this is really affecting my credit and life I cant get approved for anything with this hanging over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Today XX/XX/2020 I received an alert that my care credit/synchrony bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on transunion but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.

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 2020-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
There are 2 transaction from XXXX that you guys are trying to charge me back from my dispute, one on XX/XX/2019 for {$230.00} and XX/XX/2019 for {$340.00}, as i have disputed these items since i never gotten the item and i have contacted XXXX many time and most of the time i was just on hold this is why i'm currently disputing the transaction on my bank account. and all of a sudden you guys decided to charge me back with a letter stating that you guys want a letter from me when i try to contact you guys back and someone told me nothing is wrong? this doesn't make any sense ... ..anyways, i still don't have the items that i purchased online and this isn't fair for me to be charge for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-03-01 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX XXXX  credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX   bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX  but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.

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 2020-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
On XX/XX/2019 and XX/XX/2019, I made payments of {$600.00} each month to Ditech ( formerly Green Tree ). I generally had a payment of around {$58.00} due but I had overpaid with the amount of {$600.00} a month for a couple years online on the XXXX of the month. Ditech held the payments both months and did not apply the payments until XX/XX/2019. I repeatedly wrote to Ditech and asked them to backdate the payments to the dates received. Ditech did not and I accumulated additional interest because of Ditech 's failure to timely apply my payments. 

Ditech also took retaliatory steps to remove my Payment History from my online page since I printed it and used it to complain about their failure to timely apply my payments. Ditech also removed my messaging history so that the messages I had sent them to complain were removed. They still have payment history and messaging tabs available and I had been able to access this information online before I began to complain about their failure to apply XXXX XX/XX/19 and XX/XX/19 payments as of the date received and not 60 and 30 days later respectively.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I reached out to the collectors and they agreed to delete it because the information is wrong, but now XXXX has had another credit agency trying to collect which is Enhanced Recovery Co L

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I viewed my credit report from Experian. Having recently gone through a foreclosure im considering bankruptcy to relieve me from the judgement granted against me in favor of the mortgage lender. The mortgage was executed in XX/XX/XXXX but no payments are reported until XX/XX/XXXX. The mortgage lender refuses to offer any explanation or any comments at all. The attorney for the lender and who filed the foreclosure does not acknowledge my questions either. I'd like to get a truthful answer because it's hurt my credit long before the foreclosure happened. Four years of on time payments not being scored and recorded has handicapped my ability to use or grow my credit and forced me to lose options while I was completely unaware. The date the mortgage began to appear on my report is coincidentally the same as my husband at the time stopped paying the lender and informed them he was walking away from the house. At this time the lender pursued me for obligations to keep foreclosure prevented. Being divorced in XXXX I didn't expect to be held responsible for the house my ex husband kept and agreed to finance in a new loan. I have serious doubts that things are as im told to believe but to date I can't get any clear answers.

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