vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Strategic Automotive Servicing, LLC
State: FL

Complaint narrative:
I went to a buy here pay here place got a XXXX XXXX XXXX and the finance company is Strategic Automotive servicing. I was making bi-weekly payments and one point I was having financial diffculties I was not making as many hours due to covid then my wife had XXXX was out of work for XXXX -XXXX XXXX. So I called in XXXX asked a rep if I can make monthly payments she said Yes. I made a payment for a month and have been making payments like that ever since. But every week I get calls from them stating I owe them money and I can not pay once a month because I signed a bi-weekly contract. I explain that is not what I was told. I ask did you look at thge notes they respond yes I see the notes about the monthly payment but you can not do that. I have been paying monthly. So on XXXX XXXX I get a call saying XXXX cancelled my insurance and they was going to put insurance on the car. I said OK. Then on XXXX XXXX at XXXX am a recovery truck comes to repo the car.I called them on XXXX when they opened and asked why the car was repossed? Everytime they call they I say the same thing I will make my payment on the 2rd week of my pay hopefully it will fall on the XXXX. Then they kept saying I owed {$830.00} I kept asking where is this number coming from. I was told because certain months have 5 weeks I have to pay the extra weeks of the year. I said that does not make sense if I pay once a month. On the XXXX after I asked them to send me bill because I have never received a monthly statement. XXXX said I had to make that {$830.00} payment in order to get a payment history. After I mentioned the CFPB she sent it to my email. I sent the {$830.00} to a XXXX XXXX XXXX strategicautomotive. Went to XXXX XXXX to get the car back so I waited Strategic to send over the paperwork to recover the car. The receptionist called them they told her to tell me I also needed to pay the repo fee so the rep said Oh NO you tell the cust that so she handed me the phone and the rep said that to me. I asked for the manager he got on the phone said he will not pay the repo fee. I said I will not pay it. The owner of XXXX XXXXy said customer never pay us that fee. Strategic is who called me to pick the car up not the customer. I left without retrieving the car. Strategic sent me letter XXXX XXXX stating they will be selling the car on the XXXX and if they sell the car for less then the price I am responsible if they get more they will get all the fees that has accured and send me the rest. I was making payments not sure why they repo the car then when I tried to retrieve the car they tried to make me pay more money for a service they are responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently applied for an XXXX XXXX  through JPMorgan Chase-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. 
I contacted JP Morgan Chase and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. 

JP Morgan Chase communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no has contacted me from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS ACCOUNT RESOLUTION, XXXX, XXXX AND XXXX XXXX CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..

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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
For 11 months, Wells Fargo Home Mortgage ( WFHM ) gave me obstacles as pretext for denial of my mortgage refinance application at a low percentage rate of XXXX. This is a case of misrepresentation. I lost close to {$2000.00} dollars and a lot of time in which I could have applied for the refinanced mortgage at the same rate at another bank. WFHM admitted to customer problems with their " Loan Tracker '' system that did not properly capture, save and track my confidential documents that I was asked to submit again and again. WFHM requested the same confidential documents with SS numbers and bank statements numbers, personal tax info, etc. repeatedly and because of the faulty " Loan Tracker '' system, they suggested I submit confidential documents by email. Seven mortgage processors, one mortgage consultant and two managers were involved in handling my application. The first mortgage processor who handled my application was described by the WFHM consultant as incompetent. He instructed me to mail an income tax document with a " wet signature '' to a WFHM address he later explained was invalid. A home appraisal was ordered two times.I was not notified of WFHM instruction to order a second appraisal and questioned who would pay for the second appraisal. I never received a response. Several times, WFHM notified me that I would be closing in the next month, for example in XXXX and no later than XXXX. But later I received notice from a different mortgage processor that the same documents I already submitted were then requested again ; and additional documents and inspections were requested. Another obstacle surfaced when the WFHM manager said the bank ran into an internal " glitch '' regarding Certificate of Title. Eleven months later, I received notice from the bank that the application was cancelled. In XXXX XXXX and on XXXX XXXX, XXXX, the WFHM loan administration manager told me that he would have to get the " proper parties together in order to come to a consensus '' regarding the percentage rate lock. In an attempt to resolve the matter, I reached out on XXXX XXXX, XXXX to the Senior Loan Administration Manager and the Loan Operations Manager and again in XXXX XXXX and XXXX XXXX. This is a case of misrepresentation and WFHM has received my money for the refinance application, home appraisal, and inspections totaling close to {$2000.00}. dollars. I lost significantly greater cost savings by not refinancing my WFHM at the rate lock of 2.375 %. WFHM strung me along extending the rate lock numerous times while requesting documents repeatedly and more documents, while charging me unnecessary fees. Note my credit score is Excellent and I've been a WFHM customer for 20 years.

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: WA

Complaint narrative:
My payment due for this account : XXXX is on the XXXX of every month. My bank sent a payment on XX/XX/XXXX, and XX/XX/XXXX. Yamaha is attempting to charge late fees and is not honoring the XXXX XXXX XXXX of 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 2022-02-23 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:
The information being reported is inconsistent or incorrect. I have tried repeatedly to have this information removed. There are several issues wrong with these accounts not being reported correctly.

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 2022-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX my wife contacted our mortgage servicer ( Lakeview Loan Servicing , LLC ) to cancel our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was advised by the representative XXXX XXXX ) that we would receive a confirmation in the mail within 30 days ( by law ). 

By XX/XX/XXXX we still had not heard from the company regarding cancellation. My wife contacted the company on XX/XX/XXXX, at which time the company apologized, promising to remove the XXXX from XX/XX/XXXX escrow ( which they did ), and sent the Notice of Cancellation ( dated XX/XX/XXXX ) through the mail. 

At issue, are three items that I have been unable to resolve with my servicer : 1. We were charged three ( 3 ) additional times for MIP after we requested cancelation on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX according to our Annual Escrow Account Disclosure Statements. Each disbursement is in the amount of {$340.00}. I have had five ( 5 ) separate conversations with my servicer, always getting one of two responses ... " We will escalate the issue. '' " We have determined there is not a refund due, but we will escalate the issue. '' 2.The servicer took more than the time allowed provided by law to produce the Notice of Cancellation of XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX ). 

3. At the time we requested our XXXX  be cancelled ( XXXX of XXXX ), our loan had already reached 75 % LTV. We have been trying to work with our servicer to have the XXXX balance refunded to us. We have asked for the XXXX  balance be refunded, to account for the point at which the loan hit 78 % LTV, and the time we requested the refund. During the last call I had with the servicer ( XX/XX/XXXX ), the escalation agent told me that some FHA loans have to hit a 11 year term before XXXX  can be cancelled. I tried explaining that since my loan closed prior to XX/XX/XXXX, I am eligible after five years. I got the same answer ... " We will escalate the issue. '' To recap, and since our servicer is treating the request as two separate issues, we are asking the servicer that two things be done to remedy the situation. First refund the XXXX, along with applicable interest accrued after XX/XX/XXXX. Secondly, refund the XXXX  and applicable interest accrued from the moment the loan hit the 78 % LTV mark, and XX/XX/XXXX. Of course, the second issue should render the first moot, but the servicer is treating each concern separately. 

As previously stated, I have been going back and forth with the servicer since XX/XX/XXXX to try to resolve this. I honestly believe they are prolonging this process in the hopes that we might forget about it. We will not.

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 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The banker used a old account to access my social security number instead of using the XXXX I provided.After I asked her several times not to.

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 2022-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX 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.

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 2022-02-23 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: Halsted Financial Services, LLC.
State: CO

Complaint narrative:
I have contacted XXXX XXXX XXXX, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. Now they have sold the account to Halsted Financial Services , LLC I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. 
No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. 
I have filed a new police report against XXXX XXXX XXXX, via XXXX  XXXX and XXXX XXXX and Halsted Financial Services , LLC stating that you used stolen documents and information to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
Recently, I, XXXX XXXX, was denied an extension of credit by Carvana. On XX/XX/2022, I requested an extension of credit. 
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and 15 U.S Code 1691 ( E ). Carvana has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002.2 4. 15 U.S Code 1691 ( C ) 5. 15 U.S Code 1691 ( E ) Civil Liability Pursuant 1. 15 U.S. Code 1681n 2. 15 U.S. Code 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX Account # 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

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 2022-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2022-02-23 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: FL

Complaint narrative:
There is an account on my credit report that is not mine and was the result of fraud/identity theft ( XXXX XXXX XXXX from XXXX of XXXX, as stated in the FTC identity theft report attached ). I noticed it in XXXX of XXXX at which time I disputed it ( I did not know the proper way to fix identity theft with the credit reporting agency at the time, I wasnt aware that disputing wasnt the Way to fix ID theft fraudulent accounts ). When I got the info back they were not deleting the account I spoke with an agent on the phone who informed me I needed to send in the FTC identity theft report ( which I had already filed the same day of the call ) and my drivers license and social security card. I sent the ID theft report from the FTC off with my drivers license and social security card the next day, priority mail XX/XX/XXXX. It was received four days later on XX/XX/XXXX. They sent me an investigation result stating this account XXXX XXXX that was disputed is verified as accurate and will remain on your report. The problem arises when they noted this as a dispute and not an IDentity theft request to block under The Fair Credit Reporting Act Section 605b. The FCRA 605b requires credit reporting agencies, such as Transunion, to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. They have done neither. The fraudulent account is still on my credit report and is keeping me from being able to apply for credit, among other things. This needs to be fixed, Ive sent in every single piece of information that the FTC said was required for this to be blocked from my report and Transunion has still not done their due diligence. Please help! Its crazy that they sent me a notice of my rights as an identity theft victim but didnt treat this as identity theft is supposed to be treated. 
All relevant files have been uploaded including the Driver license and Social Security card info I sent them along with my FTC ID theft report the priority mail receipt for the mailing of said documents, screen shot of USPS tracking info stating when the mailing was delivered and picked up by an individual, as well as the dispute results and a copy of the packet of of theft rights they sent me. 

Thank you for any and all help you can give me as this has upset me to no end. Transunion not treating this as if theft is almost as bad as the od theft to begin with. It shouldnt be this hard.

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 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I disputed the validity of the debt, And requested the name and address of the original creditor with a document to validate the debt. 
The company then stated that I was a buyer and a customer not a consumer over the phone, I requested that in writing and they refuse to do so but send me a copy of a False and misleading alleged contract. Ive also made numerous complaints regarding the fair debt collection practices act and the truth in lending act and the fair credit reporting act. Santander consumer USA is not respecting it. 
Instead they refused to comply and threatened to repossess my vehicle once again

Company response to consumer: Closed with explanation