vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX, there was an accident insurance claim filed with our insurance company. Around XX/XX/XXXX, or so there was an insurance check sent for the damages to my XXXX XXXXXXXX XXXX XXXX in the name of my husband and Santander Consumer Finance. We were told to send to them and then it would be sent back to us so our car would get fixed. Today is XX/XX/XXXX, my car never got fixed. We compiled with everything Santander ask from us. They wanted estimates from both the insurance company and the body shop. We got them that. They also ask for some form called a XXXX from the body shop ; as far as I knew they receive that also. My husband called them several times to complain and got know except excuses and the check was still in the account department. I call them today and they tell me that its past the date of the claim to be opened and they never received a final invoice that the car was fixed or the XXXX. How was I supposed to get my car fixed when they had my check? And the estimate was actually {$6500.00} in damages. Ive never been to a body shop where they do work with out an insurance check first. They took my insurance check and put it on my car loan and my husband never even signed the check. Hows that legal. And my car not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Follow-up to case # XXXX - I have not been able to get any answers through Ally, I have spoken to several people, over and over again. No one seems to know what to do. I am having to repeat the entire situation with every single person I discuss the problem with only to be told I need to speak to another department. At that point I am either given another phone number to call or I am transferred. Then the cycle repeats itself all over again. I have been trying to resolve this issue with Ally since the first week of XXXX ( 4 months ) During several of the conversations with different people, I tried explaining that the dealer at one point would be willing to purchase the vehicle back for XXXX. Not an ideal situation for me however, better than the XXXX that I just received notice for which Ally sold the car for on XX/XX/XXXX, leaving me with a XXXXdeficiency balance. 

I do not understand why Ally had not tried to help me sort out my concerns and explore options for me to continue with my loan. Isn't that why most financial institutions call it their Repo AND REDEMPTION department. The only thing they sent me was a notification that they were going to sell it and then another notification that it sold. I tried numerous times to discuss my loan and my options but received no reasonable assistance even in the way of deferment, repayment schedules or refinance, all of which is commonplace in the automotive lending space. Additionally, Lenders are obligated to investigate and take action if a customer claims false pretext by the dealer as it relates to the sale of the vehicle to the customer. Ally did not. 

I am actually on the phone now with Ally, I have spoken to 3 different people already, and I am now getting transferred again. Can someone PLEASE help me with this already? ... ... ... So, I was transferred to the collections department, where the lady cut me off because she didn't want to hear my story, told me it's not Ally 's responsibility to assist me. That I needed to take it up with the dealer.

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 2022-08-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
Phoenix Financial states that this debt 1 is from XX/XX/XXXX with an amount of {$2500.00} that they put on my credit report as a late payment. When contacting Phoenix Financial Services they inform me that this account is from XX/XX/XXXX from a credit card that was not mine. A. These charges are not mine and B. They shouldnt even be on my account from 7 years ago. How do you even get away with this? I need and want this taken off of my credit. I had greatly improved my credit score and this false debt has lowered it tremendously by almost 50 points. I desperately need help with this matter. I look forward to communicating with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Well I was notified the credit card was closed thru XXXX. I went to the App for the credit card and it said the account was closed. I never closed it and didn't want it closed. I called the company of the credit card thins morning and was informed that they closed it cause my credit score dropped for last few months and that they could not keep the account open cause I was a credit risk. I was always paying the bill and mostly paying double the minimum each month and was in good standing over the last year I had the card. I feel as that was deceptive cause of them closing only cause of my credit score. That tells me they were pulling my credit monthly if the saw it dropped each of the last few months. 

The credit card company is Synchrony Bank. The card was thru Pepboys but issued by Synchrony Bank.

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 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: CA

Complaint narrative:
At end of XX/XX/2022 have received a debt collection notice from Oliver Adjustment Company, for services I had at XXXX XXXX XXXX XXXX XXXX... 

I did not receive any direct bill/invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I assumed/expect my insurance payed in full. 

When I received debt collection, I drove over to XXXX to inquire. 
Seems their offices are closed down. There was a number on the window to call : XXXX XXXX XXXX ... I call this number but there is no answer. 

I should not have to take my time to correct what is going on, and potentially have my credit rating damaged. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TX

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

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 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Mortgage payments have always been prior to their due date and never behind schedule. We received a tax bill from our Township stating that the taxes had not be paid. Upon reaching out to Bank of America, they informed us that the taxes had not been paid. They had an incorrect due date of XX/XX/2022. The correct due date for my taxes is XX/XX/2022 with a delinquent date of XX/XX/2022. Once a discussion was had with the Bank, they also informed me of the correct amount of taxes being paid by about {$800.00}. The best that they could promise was that the taxes would be paid " sometime before the delinquent date '', which again was in XXXX days.

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 2022-08-08 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: AZ

Complaint narrative:
I was XXXX from XXXX. 
XXXX, TransUnion and XXXX XXXX XXXX have unpaid Medical charges on my credit report during that time. 
I have sent them my prison records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.

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 2022-08-08 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: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I was XXXX  from XXXX. 
XXXX, XXXX and Wakefield & Associates have unpaid Medical charges on my credit report during that time. 
I have sent them my XXXX  records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I have been on autopay for months. I received an email stating that my payment was returned due to nonsufficient funds, which was never the case since I can demonstrate that my bank account had plenty of funds for the payment. Additionally, I reached out to my bank and they stated that an electronic payment request was never submitted by Bridgecrest. 
When I called customer service ( twice ), the only thing the reps told me was that my payment was 'unable to locate. ' A short time later, I received a text message and email that my payment was made successfully. However, I noticed that my payment was not withdrawn from my account so I tried to make my payment online. At that time, I noticed that my bank account was missing from my account. There is an issue on Bridgecrest 's side and I can't get any information from 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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Accounts are not mine I have no knowledge of tgrm

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I logged onto the Toyota Financial Services website on XX/XX/XXXX to request a payoff for my auto loan. I had previously made an additional principal payment to the loan on XX/XX/XXXX. I immediately made the payment quoted of {$4600.00}. The payoff was good through almost the end of XXXX. After receiving and banking my funds Toyota has decided to tell me that I owe an additional {$280.00} because they made an error in calculating the payoff I was given in writing. 

My loan was paid 2 months in advance with multiple additional principal payments made prior to the XX/XX/XXXX payment. I have absolutely no confidence in this company 's accounting. The error was made on their part. I have no control over the inner workings of this corporation. I want them to provide me with the title to my vehicle because I have paid them the amount that they demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: AZ

Complaint narrative:
Hi, I opened an account with Mercury on the XXXX of XXXX in order to make easier International wire transfers to our pruveyors. After transfering XXXX usd in several transfers due to daily transfer limits which I tried to raise. ( Communicating with their help team ) On the XXXX of XXXX Mercury decided to suddenly close our account and keep the funds until further notice without giving any exact information on why they closed it ( The only reason given was we broke their agreement ) or when will Mercury return the funds. After having tried to communicate with them for over a month and them not replying, just resending the same email over and over I managed get a phone number where they told me they couldnt do anything about i, it was all through the compliance department which resent me the same email after I called. The email says this : Hello, Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. 

Best, I tried to solve this issue with XXXXXXXX XXXX XXXX XXXXXXXX which is the bank that currently holds my Mercury bank account, and they told me I can only solve this issue with Mercury. 

The company doesnt reply and has no legal right in keeping our money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I received a bill for a new credit card ( that i did not request ) I called up Bank of America and spent one hour and twenty minutes on the call during which time they promised me that the card would be closed and I would not be charged. They then put me through to their fraud line and I waited a further 40 minutes waiting for my call to be answered which in the end I gave up on. I received a new credit card bill today and there it is again with extra charges on a card I did not request and had been promised verbally that the card had been closed. I have been waiting on there consumer line listing to someone telling me the appreciate my patience please continue to hold for the next available associate. 33 minutes and 38 seconds and still no answer.

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 2022-08-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my account was hacked through Bank of America 's XXXX product. 
the hacker got into my account added his name and quickly withdrew two amounts. : {$590.00} and {$900.00}. I have submitted the claim twice, provided the additional information that was requested and the bank still comes back with CLAIM DENIED. 

This is my money that someone hacked into their program and got my money, Need to know what I can do to get my money back. I am not that rich that i can throw away almost XXXX dollars. 

All the bank tellers can say is sorry.. you never get to talk to the upper level making the decision. Its very frustrating. They advertise that they will protect your money ... .but they don't and when something goes wrong they just turn their backs on you, the customer, and someone says sorry.

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 2022-08-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( 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 2022-08-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
Dear Source receivables management, I, XXXX XXXX have written this dispute letter to dispute a claim that is falsely listed on my credit report. The amounts owed are no longer outstanding. You have not proven to me that this debt is mine nor have you shown me the original contract. If you can not provide the original contract stating that this is my debt then it is legally required to be removed off of my credit report. 
This is my official and last request to have the aforementioned item deleted off my credit report before taking legal action. 
XXXX XXXX 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 2022-08-08 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: IL

Complaint narrative:
THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.

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