vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
I surrendered my car in XX/XX/2021. I was contacted by Tidewater after they sold the car for 4,000. They call me repeatedly telling me I owe 16,000. They have even called my landlord asking questions about me and telling them that I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has discriminatory practices against women. I attempted to check the status of my transunion credit report freeze status because I am trying to secure financing for a mortgage. I was married last year and both my ID and Social have been updated to my new last name. I attempted checking the status withy my legal name, social security number, and address that I have lived at for the last 6 years. I was not granted access to the information, and was told I would need to contact support. I did, and they told me that I would have to reconcile my report between my former and married name. Not only can I not access my credit report with my legal name, I can not freeze my account to protect myself until I send a paper copy of my ID ( despite the fact that my social security record has been updated ) in by mail ( a process that two agents have said takes 12 days to receive and process ). This policy disproportionately and negatively affects women as approximately 80 % of women change their name when they marry and only 3 % of men change theirs. I asked them if there was any other way to do it and they said mail was the only way. Now there will be a delay in the financing I am trying to secure, which in this market can mean the loss of a home. Additionally, I cant protect my credit report until they process the update.

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 2022-01-26 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:
I just received my credit report and noticed unauthorized XXXX  that shouldnt be on my credit profile

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 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
Today, XX/XX/2022, I received an email from Chrysler Capital. In the subject line, it states " You're pre-approved on your recent online application ''. Except I never applied for a auto loan through this company, or have I submitted any applications for an auto loan. 

When I contacted them at XXXX, they won't allow me to speak with a customer service rep. Seems they sort of force you to 'login to your account '. I never created an account. I think it feels awfully scammy. 

I checked my credit reports and there is no info about a loan request or any recent inquiries. I can send CFPB the email I received. 

At the bottom of the email it states - " This message was sent to you as a customer of Chrysler Capital ''. Again, nobody answers the phone line they give. 
Here 's a copy and past at the bottom of the email- This message was sent to you as a Chrysler Capital customer at XXXX for transactional purposes. If you are not the intended recipient, please notify us immediately. 

" 2022 XXXX XXXX XXXX XXXX XXXX rights reserved. 
Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to XXXX XXXX XXXX XXXX. 
XXXX, XXXX, XXXX and XXXX are registered trademarks of XXXX XXXX XXXX. 
XXXX is a registered trademark of XXXX XXXX XXXX XXXX, used with permission. 
All other trademarks are the property of their respective owners. 
XXXX '' I don't know what can be done. Unless someone is using my email, I don't show any inquiries on my credit report. 

Just sending this to CFPB as it appears to be a scam. 
Thank you, XXXX XXXX and my email is " XXXX '. I attached a copy of the email. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: MO

Complaint narrative:
This account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TN XXXX and applied for a XXXX XXXX XXXX XXXX XXXX pricing at {$8600.00}. I originally spoke with XXXX ( a car salesman ) who was able to get to financing and get me approved for the loan I was requesting. When he brought over the offer document it had an additional fee as he stated was for XXXX that was not in the original amount nor in the specified fees online. He then told me that XXXX is in the fine print. I then asked him to show me where it was in the fine print he was not able to pull it up so he asked his manager XXXX to look it over and they proceeded to print off a new offer showing a RECONDITIONING fee. I asked to speak with the manager XXXX to come over. I explained to the manager that fee is not stated on the website either. And that I am aware the only fees that should be charged are taxes, tags, title, and sometimes doc fees. XXXX proceeded to say that he would contact his general manager to try to get the fee removed. He went to a back room and came back XXXX minutes later stating he could not remove the fee and would need a {$3000.00} down payment. This company broke the law! Per 15 USC 1662b & the Truth in Lending Act it is against the law to state that a specified downpayment is required in connection with any extension of consumer credit. And per 15 USC 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

I have attached photos from the dealers website to support my complaint.

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 2022-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Hello, I received XXXX emails on XXXX different dates notifying me an account was made using my personal information. TD bank was successful and sent me a debit card in the mail to my address. While XXXX XXXX was unsuccessful due to them not having enough information to successfully create an account. Ive only used 1 bank for the past 7 years. I dont need any new ones. I reached out to both banks fraud department and there is now a pending investigation for both. I was told to reach out to the federal trade commission for future occurrences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I DEPOSIT A CHECK FOR A FRIEND AND GOT CASH. THE CHECK WAS WAS ALTERED/FICTITIOUS. I TRIED TO CONTACT THE FRIEND BUT HE NEVER ANSWERED THE PHONE NOW I HAVE TO PAY HE NEGATIVE BALANCE.I KNOW THE FRIEND FOR ABOUT A YEAR. THAT IS THE REASON THAT I HELPED HIM. I LEVE IN XXXX BUT I DONT KNOW THE ADDRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
MEDICREDIT INC has continued to use tactics to contact me after receiving a cease and desist. This company is stating I owe a debt that is not mine. MEDICREDIT INC has failed to validate this alleged debt within 30 days. This company continues to send me mail stating they are debt collectors and they are attempting to collect this alleged debt that I do not owe. This company failed to heed my cease and desist. This company has violated so many federal laws despite my efforts to cease communication. They are cause distress to me by contacting me. MEDICREDIT is a debt collection agency that purchases debt from other companies. This company is practicing unfair and unlawful. The refuse to respect my consumer rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX and XXXX is keep reporting inaccurate accounts on my credit report. I'd try calling the them, but the agents keep being rude and unprofessional. These are some dates and amounts. 
Capitol One Auto XX/XX/2021 {$15000.00} Capital one Bank XX/XX/2021 {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

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 2022-01-26 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: NJ

Complaint narrative:
I have sent numerous documents to Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-01-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

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 2022-01-26 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: NY

Complaint narrative:
XXXX XXXX and/or XXXX XXXXXXXX XXXX did inquires on my XXXX credit profile which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: PA

Complaint narrative:
XXXX/WESTLAKE FINANC You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XXXX I bought a house XXXX XXXX XXXX XXXX CA XXXXhaving two loans the first lien was with XXXX  and the second lien with XXXX. 
in XXXX I had a loan modification with XXXX. the loan officer who helped me to modify the first loan did not say anything about the second loan and we forgot all about it. later we found out that XXXX filed XXXX. suddenly I started receiving phone calls from XXXX threatened me to foreclose my home. they actually have a sell day The loan with XXXX was XXXX and XXXX  are demanding 100K cash they referred me to XXXX XXXX XXXXo get the 100K loan. interest rate and processing charges were outrageous. when I threatened them to complaint for predatoring lending they cancel the loan I have contacted other lenders to see if I can get a loan to pay XXXX  so they can stop harassing me. Finally, XXXX XXXX  agreed to accept the refinance and pay XXXX underwriter asked for documents for the charge off date from XXXX They don't have any document. they could not provide any document to match the account number. and the loan died. now they threaten me that the house it's for sale on foreclosure. 
I pay XXXX  First loan on time every month. and I don't understand how XXXX is going to sell my house next month. when my first lien with XXXX is current.

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 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Having XXXX XXXX as my loan officer was the worst thing that could have happened to me during this entire experience as a first time homebuyer. 

He gave me a closing date of XX/XX/XXXX. Throughout out entire correspondence he was constantly needing new things from me - letters, paperwork, forms. Each time I gave him what he needed as soon as the next day. Then I wouldn't hear from him for days. My attorney tried to reach him, my realtor tried to reach him, at one point, the seller was threatening to cancel my contract because XXXX was not timely in sending my loan papers to them. When I would get a hold of him, it would be more things that he needed, all of which could have been done and provided weeks before coming up to the closing date. Not once throughout this process did he tell me the truth that the closing date was going to be delayed. So I scheduled movers, I packed my entire life in boxes, I scheduled XXXX to transfer my internet, I informed my roommate that she would be able to move in the coming weekend. Come the day before closing, surprise surprise, he's not ready to close. And there's more paperwork that needs to be done AND a 3 hour homebuyers course that he forgot to send me. 

I'm absolutely LIVID and STRESSED because this man doesn't have it together. I've done everything he's asked of me and I'm now dealing with the consequences of his inability to do his job. Now I need to ask my landlord if I can stay and pay for an extra month 's rent. He's inattentive, slow, and unapologetic- pretty rude too. He blames it on the underwriter, the process, me. He's not transparent as I'm still waiting to hear from him a new closing date. He tells me he'll call me back - doesn't happen unless you call him first. 

If it wasn't for this grant I was getting and how far in the loan process I am in already, I'd fire him and stick with XXXX XXXX. This man has royally XXXX me over and I know he's getting a commission from my loan that he absolutely does not deserve. 

Do NOT get a loan with XXXX or XXXX XXXX XXXX for that matter unless you like ripping out your own hair.

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 2022-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: DISCOVER BANK
State: PA

Complaint narrative:
DISCOVER FINANCIAL SER You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent numerous documents to XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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