vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
I am a realtor and I need phone service. I went to XXXX and signed up for service and they made me get one of their phones. I went all in and of course XXXX promised the best reception. Well as soon as I got home I had nothing but trouble with their so called, " excellent service ''. I could not receive calls, text or do just about anything I needed on my phone. I had in fact missed several calls from a client ; who went with another realtor due to the inability to get a hold of me. I missed a couple of days worth of text due to the connection problem. I called XXXX and they said that they do no town the cell towers and that they are old and need to be upgraded, do their is not much they can do. This went on for several weeks until I walked into the store on XXXX XXXX in XXXX and gave them back all their equipment and told them to cancel me account. Apparently they canceled my account but never checked in the equipment. XXXX has the equipment somewhere and they want me to pay for it. OK! 
Then lets go after XXXX for the listing I lost due to no reception. Houses at let 's round it off to a easy XXXX dollars. With the 4 % commission I charge that would be {$40000.00}. Yes! I like that and I can have the client I lost show up in court. They didn't move that far away. 
You may take the {$1600.00} out of my settlement. Actually no they get nothing for this garbage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Company calls every 5 minutes, disturbs me at work and while driving endangering my life. They insist that I owe a Dr. that I have never seen. I have no bills from this doctor at XXXX XXXX and XXXX. I have no account with them since I have never been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I had XXXX back in XXXX of 2022 at XXXX XXXX XXXX and am currently and was insured at the time through my current employer by XXXX. My insurance covered most of the cost of XXXX and there were two balances that I was required to pay which both have been fully paid for. Last month, I started receiving harassing calls from a company Capio Partners which I have never heard of. They knew my birth date and home address, so I thought they were a legit company. They went on to say that I owed a balance of {$2500.00} for XXXX by a company XXXX XXXX XXXX. I was completely dumbfounded. Capio stated I owed this amount since I was uninsured. I told the representative XXXX that they are mistaken, and I have insurance and my debts for XXXX were paid months ago. I received two more calls within a weeks ' time regarding this again. I told XXXX 's supervisor that I was sick of the harassing phone calls and that I am not paying anything because I have never heard of this company or Capio nor did I ever receive a bill from this anesthesia company. Anthem also has contacted them on two occasions stating that they can submit a bill to them, and they would review it, but all debts for service were fulfilled by them on XX/XX/XXXX with proof, including {$1700.00} that XXXX actually paid for anesthesia services. So, since this was already paid why am I continuously receiving calls? I am upset that this company somehow got my personal information and is doing false claims. I'm aware that there are numerous complaints against Capio Partners and that they can even go as far as reporting this on someone's credit report. This company needs to be stopped immediately. I want them to cease and desist calling me and saying that I owe this outrageous amount for something my insurance 100 % paid. Proof of payment is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I filed for Fraud Alert or Identity Theft last XX/XX/XXXX due to using of credit card services without my consent. I pulled my report last XX/XX/XXXX and found another fraudulent COLLECTION AGENCY account from JEFFERSON CAPITAL SYSTEM with account number XXXX. This is seriously fraudulent and extended credit without contacting me personally to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Banking Institution : Wells Fargo. 

Summary : Debit card and iphone were both stolen from me in the early hours of XX/XX/23 at a bar in XXXX, GA. The following day, I went to a nearby Wells Fargo branch and discovered that whoever stole the card spent roughly $ XXXX in fraudulent transactions. I immediately filed a fraud claim with the banker onsite. After 10 business days I called the claims department and re told my account of how my card was stolen and they stated that they would update my file ( nothing changed from original story. ) A few days later I received a letter in the mail ( attached ) that my claim has been denied. After two more phone calls to members for their fraud team, they refused to even state a reason why the claim was denied. I did not authorize these transactions and Wells Fargo states that their customers are not liable for fraud.

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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is my 2 time requesting an investigation for my consumer report. The account XXXX XXXX is reported inaccurately. It has left a negative derogatory remark and It states that I am a co borrower in which I never consented to any such loan. The late payments being reported are also inaccurate because they are different with each credit reporting agency. According to the FCRA you are required to report accurate information to insure the validity of my consumer report. Title 15 USC 1681 ( i ) a reinvestigation of the disputed information shall be performed and the account shall be removed due to inaccurate information.

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 2023-08-03 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have purchased a total of four cars through U.S. Auto and I've maintained an impeccable repayment history. In XXXX of 2023 I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it. 

I received a notification in XX/XX/2023 that U.S. Auto was closing all 39 of their locations until further notice immediately. I received a notice from Westlake Portfolio Management that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. Westlake portfolio has zero information to offer concerning U.S. Auto. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach US Auto at this point. They literally informed their XXXX office staff to complete what they were working on and leave the building. 

There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if Westlake portfolio can't get their required tags, how will I get my title?

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 2023-08-03 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: DC

Complaint narrative:
As of XX/XX/2023 Equifax has incorrectly dropped my Equifax FICO credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window. I had different XXXX Inquiries for Mortgage loan products on XX/XX/2023, XX/XX/2023 and XX/XX/2023. All within the 45 day allotted shopping window for mortgage products. On XX/XX/2023 Equifax deducted XXXX points for the hard inquiry on XX/XX/2023 and another XXXX points on XX/XX/2023 for the inquiry on that occurred on XX/XX/2023. 

As of XX/XX/2023 XXXX has also incorrectly dropped my XXXX  FICO Credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: OK

Complaint narrative:
The apartment complex where I stayed from XX/XX/2017 to XX/XX/2017 said I failed to give them written notice before moving out. So they request that I pay them for the XX/XX/2017 rent and that I owe them {$300.00}. However, with interest, that amount has ballooned to {$390.00}. 
I have documentation that proves that I gave them advance notice of 30 days and that the apartment manager acknowledged that notice in writing. I sent I.Q. Data International all the information five years ago, and they still refuse to remove this adverse information from my credit report, Moreover, I even offered to settle this debt on the assurance that they would remove the information off my credit report. But they have refused for over five years. Furthermore, the statute of limitation has run on this debt in Oklahoma and they are unable to collect it through the courts. I need help getting this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX, our XXXX XXXX XXXX stopped working. It was purchased XX/XX/XXXX. It had a 1-year manufacturers warranty. After trying to get XXXX to extend a warranty ( which they would not ), However, Capital One ( XXXX XXXX XXXXXXXX ) have Extended Warranty Benefits up 2x the length of the OEM warranty and {$10000.00} of coverage. 

After trying to submit a claim 5x 's their " Benefits Management Department '' ( A third party service provider - AKA " Denial Department '' ) said that our card does not have those benefits, but the website clear states that my card does indeed have those benefits. 

Trying to escalate only escalates within the " Denial Department '' so it's obvious Capital One nor any of the underwriters intend to honor the benefit they advertise. 

Surely this can't be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC
State: OR

Complaint narrative:
I filed a dispute & the next day they credit my account for the funds that got stolen but now they locked my account and I can't get into my majority account to use my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/23 I opened a new Citi Checking account that advertised a promotion for XXXX XXXX XXXX for XXXX XXXX. 
Below is a breakdown of what was offered. 
XXXX XXXX XXXX bonus miles of After completing the following within 90 days after account opening Qualifying Citibank Debit or ATM Card Purchases of Enhanced Direct Deposit XXXX {$1000.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$750.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$500.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$120.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more On XXXX I completed the direct deposit requirement by depositing a total of {$1700.00} over two separate deposits from my paycheck. On XX/XX/23 I completed the debit card purchase of {$1000.00} by spending {$1000.00}. 
I've had Citi bank reps confirm I've met all requirements and should have received my award miles 30 days after completing the terms. This is confirmed by the Terms Of Service I received in an email from Citi that can be seen in the attached document CITI _ CITI XXXX. 
After not receiving my earned miles, I wrote to Citi to ask why they had not been credited, and received a letter from Citi stating that the terms were now different than had originally been advertised and that I wouldn't receive my award miles until at least 90 days after account opening, and could be as late as 30 days after the 90 days was reached. 
They are refusing to honor the terms of the promotion that was advertised and this is impacting my ability to plan a trip that was to use the awarded miles.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: NY

Complaint narrative:
Im not sure what kind of loans was taken out in my name but someone got whole of my information and use it to open account and get loans in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There was a credit inquiry on XX/XX/23 that was unauthorized. I was attempting to log onto my XXXX XXXX account and it was wanting to do a verification. I got a text and when I clicked it to do the verification it said I was all set up to set up my account. Then I was notified through experian about an inquiry to XXXX XXXX. I didnt authorize it.

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 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Purchased XXXX XXXX XXXX on XXXX XXXX car was registered and License in XXXX XXXX GA XXXX I had reach out to credit acceptance several time via phone and registred mail to requet that they forward lien holders title for the car and prior to submitting this formed I have not receive any response.

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 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC
State: FL

Complaint narrative:
US Auto Sales has breached my contract and sold the debt to Westlake. Westlake is trying to force me to pay on a contract that is no longer valid. They are not able to collect payments from me because US Auto Sales is still the lienholder. The debt has been removed from my credit but they are still trying to collect on a contract they have no bearings on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
The leasing company is Chrysler Capital and my lease is about ready to terminate for my XXXX XXXX XXXX. 

With about 60 days to go - I made the decision to sell the car to a dealer if the offer I would receive would leave me with equity in the car. I secured an offer for {$38000.00} well above the ~ {$32000.00} I had left in the lease. As I moved through the process, it was required that that we secure a dealer payoff to provide XXXX with information on what needed to be paid off. Chrysler Capital refused to provide a dealer payoff saying- within 61 days of termination - there is not enough time to process all of that. I thought that was not true. They did offer to provide me with a " Customer Payoff '' which outlined what was left on the lease and the sales taxes of {$2000.00} that would have to be paid to close the lease if I was buying it. 

XXXX ( and every other dealer I talked to including XXXX ) said they would accept the customer payoff but they would have to pay the sales taxes and deduct it from the equity payout to me. That is not fair because Chrysler Capital said - once they are paid the amount from the dealer - there is no refund of the taxes to me even though a dealer bought the car ( which is a tax free transaction ). Given that receiving my equity for the car is basically an option that expires when the lease terminates or 30 days before - I had no choice but to let Chrysler Capital " hold me up '' for the sales taxes of {$2000.00}. 

My ask is that Chrysler Capital refund me the sales tax money because a dealer bought the car - not me. Their policy is not published on any of the statements I get and when do they think people start thinking about lease end ... .six months before? - no 60 days or less. I believe they know that and their beyond 61 day rule for a dealer payoff is a ploy to extract sales taxes as extra profit which should be against the law. Further, Chrysler Capital did reach out to me about lease end options finally in a letter dated 50 days before termination date... so how can do that when one of their options is contingent on a 61 day rule. 

Please take action to have my {$2000.00} returned to me. I am attaching my customer payoff letter, the letter I received from Chrysler Capital ( dated XX/XX/XXXX ) and a statement that verifies my acct and termination date... 

Thank you for your help in advance. 

XXXX XXXX

Company response to consumer: Closed with monetary relief