vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXX of XXXX advertise to sale car @ {$69000.00} on their website, and I confirmed about same to XXXX XXXX XXXX XXXX XXXX XXXX ). Dealership DSR website has buy now button page below : XXXXXXXX XXXX XXXX -- XXXX Once you fill up buy now form, it directs to credit application and I filled the same on XXXX XXXX. Their sale rep ( XXXX XXXX ) called me in the evening and told me, he may not have vehicle on the lot or even if it is there, they will charge $ 5k above MSRP. I have verbally denied buying the car above MSRP ( advertise price ) and therefore there was nothing to do on that deal any further. On XXXX of XXXX morning XXXXXXXX XXXX from dealership ran my credit application for no reason. We neither has pricing agreement or nor car finalized as well. I got to know after my credit monitoring tool triggered me messages for hard enquiry from them. I asked dealership on serval calls, why they ran my credit, and they kept kicking my call in between transfers. Finally in the evening XXXX original salesman called me and apologies for un-authorized credit run and offered me car at MSRP plus $ XXXX ( instead of $ 5k ). I still denied working on that deal as well. While I filed application online, as per their buy now flow suggested, however they do false advertisement on price of Car and force customer to buy add on product in the name of market adjustment. They are conducting shady business practices, where they my run credit without pricing agreement or even without finalizing vehicle itself. 

Thanks, and my best regards, 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 2022-01-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I asked that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
have had this problem with equifax several times, lawsuit/ litigation pending

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I contacted FedLoan Servicing asking by what date I am required to complete income recertification to renew my PAYE repayment plan. I specifically used the word " required '' in an attempt to ask by when I am obligated to recertify my income to be able to remain on the PAYE plan without any repercussions. In a reply from XXXX from FedLoan Servicing on XX/XX/XXXX ( nearly a month later ), I was informed that " the best time to recertify is by XX/XX/XXXX. '' I find this to be an unsatisfactory answer because recertifying income is an obligation to remain in good standing on the PAYE IDR plan and the answer to my inquiry about a requirement should be an objective and definitive response. Instead, XXXX replied with what would be " best, '' which implies a degree of subjectivity. I was not seeking a subjective opinion on when to complete XXXX XXXX recertification, but rather fact on by when I am obligated to recertify income in order to remain on the plan. Additionally, as the obligation to recertify income happens on a specific date, I would like clarification on what that date is rather than being given an entire month. I find FedLoan 's response to be lacking clear and complete information. I do not feel like XXXX actually answered my question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My mortgage was transferred to Shellpoint in XX/XX/XXXX. I was assigned a point of contact, XXXX XXXX on XXXX. I reached out to her multiple times and did not receive a response. I sent a general email and received an email from XXXX XXXX, my new point of contact XXXX. I spoke with XXXX on XXXX. She offered me a deferment which I accepted. She told me that my past 22 past payments would be added to the end of the loan. She also gave me my new monthly mortgage payment amount. I was to receive the paperwork in the mail to sign and return. I never received the paperwork and as XXXX XXXX, XXXX approached I did not know what to do. I reached out to XXXX by email on XXXX. Her response on XXXX was that the paperwork was sent out and since it was not returned by XX/XX/XXXX it would have to be re- generated with new dates. Again, I have emailed and called her with no additional response. Please note, she emailed me at XXXX, I emailed he back immediately at XXXX. She has yet to respond. This company is purposely stalling me and this process. This is an attempt to take my home. I can never reach anyone by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have contacted Harvest Associate Inc. on XX/XX/XXXX through certified mail to validate a debt that is reported in the total amount of XXXX. I gave them 30 days to respond and I received a response on XX/XX/XXXX certified mail with insufficient documentation to validate the debt and they also continued to report the debt to all 3 credit bureaus causing defamation to my character. This is a violation of my consumer rights. So on XX/XX/XXXX I sent them a failure to validate debt letter through certified mail and gave them 15 days to respond with more clear picture of what documentation was requested and I received a responded on XX/XX/XXXX with none of the information that was asked for and it was a repeat letter of the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TX

Complaint narrative:
My account with Indigo card services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
I filed a dispute with equifax about XXXX XXXX. I had called and canceled my service and i was still being billed from XXXX. I have tried multiple times to get this removed from Equifax and XXXX. I am not satisfied with the response I have received from XXXX or Equifax. There in the business of handling people credit as it effects the outcome of buying on credit yet they take no financial responsibility of ruining someones credit. They are quick to post information on someone credit and yet they take there time in determining wrong information on someones credit report and when and if it will be removed. When time is of the essence. Also I feel XXXX is retaliation because of my prior complaints and have decreased my credit score by XXXX points for a account that I have never been late on I have a good standing and the balance is {$110.00}, XXXX points for one account seems a little excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity bank has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to commenity to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses Commenity bank, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve XXXX credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare , LLC ( https : //www.myloancare.com/ ) services my home mortgage loan. I have not been able to log in to my account. After many hours on the phone and talking to several different people, including IT support specialists, I was still not able to log in. They confirmed that I am using the correct user ID, confirmed my phone number, email, and loan number, but were not able to allow me to log in to my account. I was told the issue would be resolved but still have not been able to log in. I'm submitting this complaint in case this helps identify a pattern with this company. I'm not sure what else to do.

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 2022-01-05 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: AL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-05 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: AL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was a victim of an internet scam involving my credit cards. This took place for about a month from XXXX, 2019 to XXXX, 2019 I was told to buy XXXX gi! cards from XXXX and XXXX and they would pay of the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my amex, XXXX, and XXXX  credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was a victim of an internet scam involving my credit cards. This took place in XXXX2019 to XXXX, 2019. I was told to buy XXXX gift cards from XXXX and XXXX and they would pay off the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my XXXX, XXXX and citi credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back

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 2022-01-05 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to XXXX  to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses XXXX XXXX, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve midland credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I have been unable to view my TD Bank credit card in the app since this card account was purchased from XXXX Bank years ago. 

I called TD Bank customer service and spoke to XXXX. She was unable to assist and said she had to transfer me. I asked follow-up questions as to why I had to be transferred. 

I told her to " hold on '' while I was taking notes of her telling me why she was unable to assist. 

Before I had consented she transfered the call away. 

Terrible customer service when I asked her to please hold on. 

The original issue was never resolved and I still can not view my TD Bank credit card in the TD app

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby

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 2022-01-05 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: GA

Complaint narrative:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby

Company response to consumer: Closed with explanation