vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to get my current auto loan refinanced through a company called XXXX XXXX XXXX. After I submitted my request and providing them with all relevant information to pull my credit, I was told that they could not assist me in refinancing because of supposed high risk. I accepted that and moved on hoping later to get financing from another company or bank. 

On XX/XX/XXXX i received an alert from XXXX telling me that my credit has decreased and that an new hard inquiry was placed on my credit report. I looked and saw it was a company hat I have never heard of before. A company called First Investors Financial Services. I never gave this company any of my information neither did I sign any forms from them giving them access to my credit report. I believe that my information was sold to this company by XXXX XXXX and my rights violated as a result.

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 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
The company XXXX is on my credit report. They have me that I owe them money but I have never had service with them. No bills or anything with this company. None of my addresses have I ever used this cable company or any of their services.

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 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Today XX/XX/19 @ XXXX CST Im at the ATM on XXXX XXXX XXXX XXXX XXXX MO XXXX to deposit my rent money thats due XX/XX/19 I insert my card, enter my pin select deposit, then insert my cash sum of {$780.00} into the atm. 

The atm shuts down after the window closed where you insert cash. & now there is nothing deposited into my account. The money did not come back to me. IM FURIOUS! 

2 PNC employees where there as a witness but couldnt really assist because the bank was closed and they were leaving work. They instructed me to call the number for PNC & escalate clAim PNC TOLD ME IT WOULD BE 10 days for an investigation and I have NO MONEY TO PAY RENT!!! 

Denominations deposited as follows : 4 XXXX dollar bills 2 XXXX dollar bills 1 XXXX dollar bill 27 XXXX dollar bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: SUNTRUST BANKS, INC.
State: MI

Complaint narrative:
I wanted to get a loan.I checked my XXXX report and under loans pre-approved I applied for a loan with a soft inquiry with XXXX.After I did that I received multiple emails from different loan companies like XXXX, XXXX, XXXX XXXX, Lightstream, XXXX XXXX XXXX, ETC.XXXX called me right away and asked questions over the phone and asked permission to do softpull.I was denied credit from them.Shortly after I hung up the phone, i received a email from XXXX   showing a change on my credit report.I logged in on XXXX and it shows a hard inquiry I never gave permission or even talked to them for credit.

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC is very difficult, if not impossible, to do business with. It takes a minimum of 1 hour to even begin getting an issue resolved first of all. I have spent a minimum of 6 plus hours just waiting to talk to someone. Bounced from one agent to another, and even one agent admitted I am not the only consumer with similar issues I have been having with  them ever since I began doing business with them. They also froze my account because they decided they wanted my ID and proof of address after using the card. I provided that, and then it still wasn't enough. I am not able to get information on my account, get statements, and was told I could pay it off without signs of any statements or proof of transactions, but why should I take their word for it when I can not see for myself? I can not even look into transactions or get a statement because they refuse to release the hold off my account, and told me " I should obey '' and do what is asked, after I already sent them supporting documents proving who I am! Never had I had this kind of trouble, and I am afraid they will ruin the good credit scores I have worked so hard for because of their nonsense!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, my vehicle was repossessed by my finance company Santander Consumer USA. They stated that to reinstate the loan and be able to retrieve my vehicle I had to pay {$430.00}. After two weeks, I began to make attempts to payments. One such payment was made via my bill-pay with my bank, XXXX. I was subsequently told that that payment would be " bounced back '' as an account in this status, the only acceptable payments were via a debit card, XXXX or XXXX XXXX. I then scrambled to pay an additional {$1000.00} to replace the {$1000.00} that Santander stated did not count towards the {$4300.00}. I was able to pay the {$1000.00} and when I did so on XX/XX/XXXX, I was told that I had to put a stop payment on the {$1000.00} via my bank. I attempted to do so via XXXX and the payment stated that it was " pending '' however, Santander Consumer USA retained the {$1000.00} in spite of this and therefore retained {$5300.00} before releasing my vehicle. I requested that they return the {$1000.00} as this created a hardship and I would not be able to pay my mortgage as a result of this misinformation. On XX/XX/XXXX, I was to make the XXXX payment on my account and I have not yet heard from Santander as to the status of my request as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Loan Assistance Center
State: MD

Complaint narrative:
I paid {$190.00} in XXXX and XXXX for student loans to a third party company named United Student Loan Assistance. I also paid {$190.00} in XXXX to this company. They stated that these three payments would get rid of my student loan debt with XXXX. That turned out to be false. My mother had a parent plus loan with them so that I could attend college. I spoke with XXXX and they stated that they never received these payments I made to the third party. XXXX advised me to file a complaint with the consumer finance bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
I signed up for classes at XXXX Connecticut XXXX university XXXX XXXX XXXX in XXXX, but couldnt secure loans so I called to cancel my classes I had signed up for. I had spoken to a student worker who said I was all set and back then I didnt know I had to formally withdraw so I ended up being charged for the classes. 
By XXXX I had eventually disputed the debt and had it removed from my credit report and it was cleared up. 
Supposedly in XXXX XXXX reissued another debt for a slightly different amount than the XXXX debt had been, and to the collection agencies its a debt as of XXXX. 
In XXXX of XXXX it was submitted to collections as a debt accrued on XXXX. 
I believe it was reissued to be within the statute of limitations so I could be continually pursued ALSO after it had been disputed, settled, and closed out in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a New XXXX XXXX XXXX, Truck in XX/XX/2019. I have a 5 year loan with US Bank. I purchased the vehicle in the state of XXXX, and planned to register the vehicle is XXXX  which is where I resided at the time. However shortly after purchasing the vehicle I decided to move to XXXX. But I didn't register the vehicle in XXXX since I moved to XXXX shortly after. I've attempted to register the vehicle at the XXXX DMV, however I'm not able to because XXXX DMV is asking for a copy of the title from US BANK in order for me to register the vehicle. I've called US BANK for over 3 months asking them to send COPY of title to XXXX DMV so I can register my vehicle. I'm told to have the XXXX   DMV fax over the request for title, and that has been done 4 times already. When I call US BANK to check the status I'm told they put in a request to get the title from XXXX DMV and they will forward it to XXXX DMV however that still has not been done. I called US BANK again on XX/XX/2019 and spoke with an agent and I'm told they don't see anything and they don't know what I'm referring to. I'm told they don't have the title to my vehicle, and they don't know how to fix my situation. Because of this I have been unable to register my vehicle which is increasing my chances on receiving traffic citations. The temporary registration to my vehicle expired XX/XX/2019.

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 2019-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On Tuesday, XX/XX/2018, an unknown person fraudulently used my name to sign a lease for a 2018 XXXX XXXX XXXX ( VIN : ending in XXXX ) at the XXXX XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The attached lease agreement ( see Exhibit A ) was entered into without my consent or authorization. 

No lease agreement was faxed to me or overnighted to me to sign and I could not have signed the lease in person, since I was in my home located in XXXX XXXX, California. 

XX/XX/2018 timeline of my activities supported by XXXX XXXX, Bank Receipts and Photos At XXXX XXXX I left my home in XXXX XXXX and drove XXXX minutes to my gym at XXXX XXXX ( See Exhibit B ) At XXXX XXXX. I left my gym and returned home at XXXX XXXX were I remained until XXXX XXXX. ( See Exhibit B ) At XXXX XXXX. I departed from my home and drove to XXXX Paints located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I arrived at XXXX XXXX. ( see Exhibit B ). I proceeded to purchase a can of paint ( see Exhibit C ). 

I departed at XXXX XXXX. and arrived back home at XXXX XXXX., where I stayed until XXXX XXXX. ( See Exhibit D ) I then returned to XXXX XXXX XXXX at XXXX XXXX. and departed again from XXXX XXXX back home at XXXX XXXX. I arrived home again at XXXX XXXX. and stayed until XXXX XXXX., ( See Exhibit D ). 

My wife and I then went shopping at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. to XXXX XXXX. ( See Exhibit E ).

My wife and I returned home at XXXX XXXX ( See Exhibit E ). 

My wife and I were painting our house ( See Exhibit F ) Please see letter also attached from my attorney to XXXX XXXX XXXX XXXX XXXX XXXX as well as any other enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Hi, I am filing a complaint against Simm Associates. This debt collection company was hired by XXXX XXXX XXXX to claim a debt that was owed as a result of a private loan to attend school. I have communicated with XXXX you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, Simm Associates, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company.

This is the website of Simms Associates and the number they provided. 
https : //www.simmassociates.comXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NV

Complaint narrative:
This collection does not 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 explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: NC

Complaint narrative:
My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Upon checking my credit report with all 3 credit agencies. Found an open account with Kohls in my name. I never gave written permission to open the account. I have disputed this account with all 3 credit agencies and Kohls refuses to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I was not able to make my first two installments due to account fraud. I let the company i financed a bed through, know this before my 90 day pay off was up, and i arranged a payment of {$100.00}, that one time, and then i let them know i'd try to pay off the balance, in installments, until i was caught up and i had it paid off. They agreed. ( i recorded the conversations with them as well ) The rep had an attitude from the start and she kept saying she only hit the submit button once but my phone starts dinging, from the online app, from my bank stating that i was over drafted. I saw that through the app American First Finance was sucking my account dry and way past the owed amount. Since a year ago, they have kept all of the XXXX dollars they stole out of my account and have gave me the run around about me getting my money back. To add salt to injury, they filed a collection on my credit and harassed me about money i no longer owed and they refused to send me a receipt since they over charged me. then the amount owed is supposedly accruing interest and is on my credit causing further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: WI

Complaint narrative:
Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent mobile account from XXXX for over 900 dollars. And a fradulent XXXX XXXX XXXX   account for XXXX dollars.

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 2019-10-03 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: NC

Complaint narrative:
My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.

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 2019-10-03 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:
My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-03 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: WI

Complaint narrative:
Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX for over 900 dollars. And a fradulent XXXX XXXX XXXX   account for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: WI

Complaint narrative:
Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX  for over 900 dollars. And a fradulent XXXX  XXXX XXXX   account for XXXX dollars.

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