vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I reached out went my car went down and tried to make a warranty claim because I am paying for a warranty in bi-weekly payments. The representative at Westlake told me that they couldn't honor my warranty because they only collect payments. I was also advised to contact US Auto Sales because they put a repossession on my credit report and to speak to them about my warranty, but they can't provide me with a phone number. How can I contact someone who is no longer in business? I made the decision to do a voluntarily repossession because US Auto Sales put a repossession on my credit report and it never was repossessed until I called and return the vehicle. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
There is a debt collection agency by the name of ( Vance And Huffman LLC ) that has been attempting to collect a debt from an original creditor ( XXXX  XXXX XXXX ) that was tied into a legal settlement under ( XXXX XXXX XXXX  ) involving a bankruptcy that was filed by the loan company as stated above. 

I have sent 2 letters to the debt collection agency named above informing them that they can no longer collect monies tied to the loan company for this debt due to an active bankruptcy and I also requested this debt agency to send validation of proof for any debt tied to this loan and the agency has failed to comply to the request and has allowed this debt to remain on my credit report which is a direct violation of the court case tied to this debt and also a violation under the laws regarding FDCPA. 

This agency has been very unprofessional and I am reaching out to the courts and attorneys to file a potential lawsuit against this agency for violating laws regarding the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have submitted documents twice and no update to balance

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have submitted documents twice and no update to balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have submitted documents twice and no update to balance

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 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
In XX/XX/XXXX, I had a car accident and my car was totaled by my insurance company. XXXX XXXX XXXX sent a check to Hyundai Motor Finance ( HMF ) in the amount of {$16000.00} in XX/XX/XXXX. The value of my car was higher than the amount owed so I even received a few dollars from XXXX XXXX in XX/XX/XXXX. When I bought my car in XXXX, I had purchased several optional coverages such as gap insurance, wheel and tire coverage, and an extended warranty. Since I did not use any of those coverages, the insurance company which guaranteed the services provided a refund to XXXX Hyundai, the dealership at which I bought my car in XX/XX/XXXX. XXXX XXXX sent the refund to Hyundai Motor Finance and it was received and credited to my auto loan account on XX/XX/XXXX. I didn't owe anything on the loan at that point so I should have received the refund for the coverages which totals {$2000.00}. As of today, XX/XX/XXXX, I still have not received the refund that Hyundai Motor Finance is holding on to. In fact, they have had it since XX/XX/XXXX and is benefitting from interest on my funds. I am XXXX XXXX XXXX and on a very fixed income. There is no reason that it should take HMF over 30 days to process a refund on a XXXX balance account. I would like to receive the money that I am owed immediately, receive any interest that HMF earned, and be compensated for the delay and concern that this situation has caused me. I was already dealing with a concussion from the accident and the stress of this situation has intensified my health issues.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: NY

Complaint narrative:
I was sent a collections letter ( AWA collections ) and i responded directly to the company ( XXXX XXXX XXXX ) that i do NOT owe this debt ( letter attached ). This is from a franchise business i owned over 5 years ago ( XXXX ), and since all the franchises have gone under, the parent company is trying to scam former franchisees out of money illegally. ( they claim i owe $ XXXX ) I sent a letter to the company ( XX/XX/XXXX) telling them to remove this debt from my credit report immediately, with no response. Im not sure if once the company hands it over to collections, that they can not be involved anymore? 
The company claims i closed the franchise location without telling them, but i have a letter showing that i did put in writing to them that the franchise needed to be closed, as it was not generating revenue to pay salaries etc. I had no choice. ( i even took out personal loans to try and keep the franchise going, but it was in vein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Company applied 2 inquiries even though I only applied for credit once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification. 
Best Regards,

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has allowed my credit card to be charged in the amount of {$780.00} by third-party seller XXXX. inc as a recurring transaction after my credit card number was changed. Third Party XXXX XXXX did not have my authorization or my new credit card information, they used the " data press '' process. I have disputed the charge and they refused to return my money back to the account. I had to open the second dispute and provide them with all information and confirmations for fraudulent charges including a copy of XXXX XXXX XXXX they refused to revise it and allowed the charge to go through my account. 
From XXXX XXXX : SEC. 4. NEGATIVE OPTION MARKETING ON THE INTERNET. 
It shall be unlawful for any person to charge or attempt to charge any consumer for any goods or services sold in a transaction effected on the Internet through a negative option feature ( as defined in the Federal Trade Commissions Telemarketing Sales Rule in part 310 of title 16, Code of Federal Regulations ), unless the person ( 1 ) provides text that clearly and conspicuously discloses all material terms of the transaction before obtaining the consumers billing information ; ( 2 ) obtains a consumers express informed consent before charging the consumers credit card, debit card, bank account, or other financial account for products or services through such transaction ; and ( 3 ) provides simple mechanisms for a consumer to stop recurring charges from being placed on the consumers credit card, debit card, bank account, or other financial account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
approximately 2 months ago XXXX XXXX  appeared on my credit report as an account in collections ... .. they seem to be representing charter communications and saying that I owe {$600.00}... I disputed this debt because I have no knowledge of it and was never sent any type of bills...

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 2023-10-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XXXX XX/XX/2023 XXXX notified me that my credit score dropped XXXX points and that I had a Hard Inquiry from Capitol One Bank for a credit/bank account. I called XXXX to have that inquiry removed from my report as I do not recognize it nor do I have any accounts/affiliation with Capitol One. Then I called Capitol One and was transferrred to the Fraud Department where the representative " checked everywhere '' and confirmed that Capitol One doesn't have any accounts being opened in my name or using my social security number. The representative at Capitol One stated that contacting the credit bureau should be my next step. Which I had did first. Additionally, XXXX recommended that I file a police report with the FTC and that has led me here to the CFPB. 
XXXX 's representative did state that they would have the hard inquiry removed from my report within 24 - 72 hours. It appears that the hard inquiry was a mistake on Capitol One 's end and hopefully will be remedied soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I have filed 2 complaints against Ford with the CFPB # XXXX & XXXX. 

Ford is providing fraudulent information to the CFPB to avoid accountability and close my complaints. 
My proof- Document A- Ford Motor Lease extension agreement dated XX/XX/2017 extending my lease to XX/XX/2017. The name & extension of the Ford representative is listed on the document. 

Document B- Ford 's Confirmation of receipt of the lease extension.

Document C-A confirmation from Ford for my lease payment of {$320.00} on XX/XX/2017. 

This contradicts Ford 's response that on XX/XX/2017 they agreed to a lease extension but I never returned the document. 

I had a lease with Ford until XX/XX/2017 proof of this is attached. 
All payments were up to date proof attached Document D- illegal repossession of my vehicle on XX/XX/2017 My family 's personal items were in the vehicle. XXXX XXXX XXXX refused to return my property. 

On XX/XX/2017 XXXX Police Department officer XXXX XXXX filed a report # XXXX stating that no notice of a repossession was reported from Ford. which is usually the procedure. He stated that he never saw a repossession at XXXX on a Sunday morning without notifying the police. He reported the vehicle as stolen. 

Please, I am putting my trust in the CFPB to help me resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
was notified twice about a debt, and asked for original contract with wet signature, all information from the original creditor, name, phone address, billing history / payments, proof of ownership of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB
State: VA

Complaint narrative:
I have attempted to use Klarna to make several small purchases. Each time despite showing plenty of " purchase power '' in the app, the transactions have been denied with generic errors that are not helpful in understanding the issue. I have followed all of Klarna 's instructions at XXXX : XXXX, but most do not apply ( as I've never been able to make any transaction, including small ones, thus I can not be a customer for longer or show a pattern of successful repayment with them ). I have linked a bank account and XXXX credit card payment methods, the addresses of all institutions match, etc. When I contacted their online customer service on XX/XX/2023 ( the only option available ) they incorrectly stated that I have a bankruptcy on file which is why my transactions are denied, and they referred me to XXXX. Because this is not correct, I asked how to request that they review their records, clarify the information with XXXX, appeal, etc. and each request I was told to contact XXXX. I have since contacted XXXX and reviewed my credit report in detail, and no such bankruptcy exists ( and it never has in the past ). In fact, there is no derogatory information on file at XXXX of any kind. There appears to be no way to inform Klarna that something is wrong with their information or the processes that are reviewing the information they have. The only possible explanations here are that ( XXXX ) the customer service agent was incorrect or telling me the wrong information, which would still leave some other problem, ( XXXX ) Klarna received incorrect information that I am not able to find as it does not appear at XXXX ( perhaps they got my record confused with someone with a similar name? ) or ( XXXX ) that Klarna is misinterpreting some other piece of information or otherwise erroneously coming to this conclusion. I found a mailing address for Klarna but they make it clear it is for " regulators only '' on their website and thus I am unsure of any other way than going to CFPB to resolve this issue, as their customer service agents are unwilling to even ask for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was using XXXX XXXX to pay our household employee ( Nanny ). I notified XXXX XXXX that the nanny position would not be needed anymore as our children were attending school. They continue to charge me monthly {$10.00} for the last 15 months. Cancellation process is significantly more involved than signing up for their service was. Customer service has records of my contact and requests to cancel service, yet they require I follow multiple prompts according to their protocols. I do not authorize these transactions on my checking account and have notified my bank, yet the charges continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Welsfargo has charge multiple overdraft fees sometimes even 2 to 3 times for the same item. 
Just recently XX/XX/XXXX  they charged me XXXX twice for the same transaction. I wish I could remember more dates. But its been super inconvenient and hard to recover financially when you constantly getting overdraft fees.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc.
State: NV

Complaint narrative:
OnXX/XX/XXXX my application for rental was denied due to information that is vacated and sealed with the courts. 

Appfolio denied me based on my old information they had in their database. 
Literally pulled my credit report and XXXX seconds later I was denied. 

I've wrote them letters twice once last year and once this year in XXXX for disputing and removal along with valid proof and they still haven't done such.

Company response to consumer: Closed with explanation