vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I leased a vehicle in XXXX  and recently moved to XXXX. I returned the vehicle early to a dealership in XXXX. I was advised by a XXXX dealership that I could return the car and pay the remainder of the loan off and the disposition fee. I then received a bill for the entire buy out of the vehicle. I called and XXXX  XXXX told me I broke my lease and that they sold my vehicle at auction. I satisfied my lease payments and the are still trying to charge me $ XXXX for the vehicle. I should be protected by the state of XXXX because thats where my contract was signed. XXXX XXXX called me 2 weeks ago and said it was resolved and they where pending processing on their ends. They then called back and said no they decided its not resolved and that will not overturn it and that I will still owe the money. They refuse to give me any documentation and when I asked they told me I need a subpoena. I have paid all the lease payments, they have my vehicle, and they are now going back on their decision to resolve it. Since the contract was bound in XXXX I should only be responsible for the disposition fee as I have satisfied my contract. According to the XXXX Attorney General website I should only have to pay the disposition fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have reported Nordstrom to XXXX, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XXXX 2018-present. I have even sent validation letters to Nordstrom and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recover, LLC
State: GA

Complaint narrative:
In 2012 I moved away from a property called XXXX at XXXX XXXX locates in XXXX XXXX Ga. I was asked to give them a 30 day notice in which I submitted. The complex was very dangerous and my children and I feared for our lives. I explained this to them. There were break-ins, robberies and mugging. Definitely shooting every night. This was not and environment thats I wanted to raise my children in. So we moved away. When I saw my credit report I noticed they had charged me XXXX for what reason I do not know. However I do not owe them anything. Please erase this from my credit. I have tried several times to do so.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-13 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: SC

Complaint narrative:
I have reported XXXX to XXXX, TransUnion, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/XXXX-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.

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 2019-04-13 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: SC

Complaint narrative:
I have reported XXXX to Equifax, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/2018-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Received notification of a password change on my PayPal account, which I did not do. 
Within 2 minutes, changed the account password. 
Checked account and saw a {$1000.00} transfer was initiated to fund the PayPal account from my personal XXXX XXXX account ( PayPal transaction ID XXXX ). I did not initiate this transfer. 
Went to the online PayPal resolution center to dispute/block the transaction. Got the following message : " We're unable to file a case on this transaction. Since this is money youve received, you'll need to contact the sender directly to resolve your issue. '' Called their customer service number but was informed the offices are closed. 

Sent an email informing them under Regulation E ( 12 C.F.R. 1005.11 ) that they have been notified I am disputing the transfer, it was not authorized and should be blocked. 

I wish to complain that not only has PayPal made the issue resolution difficult for this transaction, this is a pattern of behavior with PayPal. Just a few years ago, they signed me up for a credit card I did not request and refused to take in the dispute case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: NC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
From XX/XX/2017 to XX/XX/2017, I worked for a company and started a High Deductible Health Plan which included an HSA managed by BB & T Bank. I received a card in the mail and made contributions through my paycheck. I switched jobs and moved to another company, and thus switched insurance plans and was no longer contributing to the HSA account. 

By the time I left the job, I had the card but did not have documentation on setting up an online account. I also was sent a letter informing me that there would be a maintenance fee for inactivity because I wouldn't be contributing. 

To close and roll the funds over to my current HSA, I need information such as the full account number, HSA custodian name and address so the current HSA can coordinate the funds transfer. 

In XX/XX/2017, I called the number on the back of my HSA debit card ( XXXX ). They tried to locate the info, and with no luck, and after some time, I was told to call a different number ( XXXX ). I called that number, and they tried to locate the info, and with no luck, suggested I call a different number, which was the first number I called on the back of my debit card. Basically I was being referred in a circle. 

In XX/XX/2017, I went to a BB & T branch, hoping my physical presence would help get the info. A helpful employee tried to look up in their systems with no luck, and then tried calling the same two numbers I had called myself, with each referring to the other. While this was humorous, it did not bring me closure to getting my money back. 

I don't know what else to do to get the information to close this account and transfer the funds to my current HSA. I fear that a substantial amount of money is now gone due to those maintenance fees when I attempted to close the account multiple times some time ago. 

The inability to access this info prevented me from closing the account and likely has resulted in maintenance fees being charged to the account.

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 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
During 2016 I was a victim of identity theft. There were several accounts opened in my name, and 3 apartments. I didn't know that I was a victim of identity theft until I saw a lot of unauthorized inquires on my report, and negative collection accounts. I have been working to get all of them removed and as of today all are gone except this account. I have sent multiple letters to this company and proof of identity theft but it still isn't gone. Over the past 2 years they have removed it multiple times but end up adding it back a couple months later. I would like this account to be permanently removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XX/XX/XXXX. 

Disputed accounts were opened in XX/XX/XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XX/XX/XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XX/XX/XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.

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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
A credit investigation form was sent to all 3 bureaus and came back verified. I then sent a debt validation request to the collection agency LVNV and to the original Creditor, XXXX   XXXX. LVNV forwarded it to XXXX XXXX who in turn returned the envelope back to me unopened. They are both refusing to provide me with the debt validation information that I am entitled to under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
NationStar/ Mr. Cooper account # XXXX is intentionally applying my extra payments incorrectly. The extra money should be credited towards the principal of my loan. I pay additional money towards my principal every month. However, they are applying part of the extra money t towards lenders paid expense fee when I have not late payments on my statements, no escrow, or any additional fees. I have not signed any a contract agreeing to a lenders expense fee. It is not clear to me what this fee is and Mr. Copper is not able to give me a reasonable explanation. I would like Mr. Cooper to provide supporting documentation for these expenses and fees and showing why this money isn't being credited towards my principal balance. I would like documentation from the initial date of my loan that supports why these fees are being charged and a contract with my signature. I would like all these fees removed from my account and credited towards the principal balance of my loan. 

I have attached some recent statements that do show I owe any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: TX

Complaint narrative:
I have sent in a complaint qith them all together last year, yall told me it could take up to 2 years, now they are putting it on my credit.i cant even get a job eith my degree. Still unemployed. Frustrated and broke

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
see incoming redbox of XXXX XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX XXXX I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.

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 2019-04-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Management Services, LP
State: CA

Complaint narrative:
A friend of mine from high school first called me 2 weeks ago stating a debt collection agency had contacted her, seeking out for me. She informed them that I was out of the country and had no means of communication with me. This week they have called her again and she contacted me about it. Once I asked her how many times they called, she told me this week was the third call made. 

Are they allowed to repeatedly call third parties?

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 2019-04-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent out a dispute on XX/XX/2019. The dispute was over accounts on my credit report that is seriously hurting me getting employment and other credit. Instead I was ignored for over two months waiting on them correct this mistake. After all this, I get a result after I wrote about the delay. It seems like a don't care tactic on their part.

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 2019-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX, my mortgage lender discovered an open dispute on my credit report. It was a dispute on my Auto Loan. I have not disputed this account at all in the past. Equifax corrected the error and removed the dispute however that action dropped me credit score 24 points. Equifax is unable to explain why the drop in score happened AND their systems have been down for days, unable to access any accounts. I called a 4th time to remedy and the people over in XXXX are unable to access my account due to the information I've given being inconsistent. I should not be penalized for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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:
This account is still being reported to Equifax as an installment amount ; this car was refinanced by XXXX XXXX XXXX XXXX in XX/XX/2018 2018 The account needs to be moved to paid in full and closed. Its ruining my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent out a dispute on XX/XX/2019. The dispute was over accounts on my credit report that is seriously hurting me getting employment and other credit. Instead I was ignored for over two months waiting on them correct this mistake. After all this, I get a result after I wrote about the delay. It seems like a don't care tactic on their part.

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 2019-04-13 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: SC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Cancelled my account with XXXX over 2 years ago. XXXX picked up equipment and nothing was owed or due. 
Diversified Consultants, Inc. have been continually reporting me falsely in an malicious attempt to extort money out of me. Moreover. they removed this from my credit previously then started placing this negative action back on my report causing me great financial harm.

Company response to consumer: Closed with explanation