vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have had a number of hard and soft inquiries into my credit recently that I did not consent to. These requests were for things like loans and credit cards which I did not authorize. 
The mailboxes at my apartment building have been broken into a number of times in the last several months and I have had many personal items stolen such as my renewed drivers license, pre-qualified credit card notifications, among others. 
The only thing I have to identify the requestor is the email address that have been using to send these requests our which is XXXX Here are the three hard inquiries which have been dealt with through each respective organizations ' fraud department : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 Here are all of the soft inquiries made as reported by XXXX : XXXX XX/XX/2022 XXXX via XXXX XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX XXXX GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARDGS BANK XXXX XXXX APPLE CARDGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: TX

Complaint narrative:
ON XX/XX/XXXX There was an account opened in my name that is now in collections for {$9300.00} ALSO ON XX/XX/XXXX There was a false collection for {$670.00} under my name that should have been resolved already. 

15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions.

15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
American Credit Acceptance has repeatedly denied me a lower monthly payment even in the face of extreme hardships. They reverse my monthly payment of {$460.00} & its given towards the interest of the loan. Plus they add extra fees every month and before I lost my job I was paying my monthly payments on time & the company never reported it to the credit bureaus but since my payments have been late, they report it every month!! I put {$7900.00} down on this {$20000.00} car and have paid over {$10000.00} towards my car yet I owe more money than I did when I purchased the car!! I owe {$17000.00} as of XXXX XXXX!! Some of my payments I made have been stolen and theres no accountability for the blatant disregard of fraud!!! The site clearly states if your experiencing hardships they will help you but I dont qualify even when the car loan wasnt past due, I didnt qualify!! This financial institution has royally ripped me off!! How can I owe over {$17000.00} after 2 years of payments in the amount of {$460.00}?! Its a complete disregard when Im diligently trying to make a payment and pleading for a lower monthly payment and denied!!! The company repossessed my car on XXXX XXXX & after I paid all the fees plus the outlandish towing fees I couldnt pick my car up for an additional 4 days plus American Credit Acceptance is acutely aware when the car was towed off the property but states my car was towed on XX/XX/21!! The shady financial company & towing service are corrupt!!! They refused to rectify the false information!! I filed a police report the night my car was towed and sent the report to the financial institution plus the towing company and both companies refuse to make the corrections!!! Incomprehensible at the level of fabricating information these companies have displayed!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XX/XX/2020 There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XX/XX/2020 There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have been calling Kia ( knfusa.com ) since XX/XX/2022 about payments being misapplied on my loan. I have been making payments in excess of the amount due, in an effort to pay down the principal balance on the loan. Kia keeps applying the overpayment as partial payments for the following month. 

I have called more than 5 times about this, have escalated to supervisors on at least 4 occasions since XXXX but they still have not corrected it. Worse than all of that is the awful customer service I've received from their agents. One hung up on me, another told me that they can't help and it's just too bad. I have been going on and on with this issue for weeks and I am tired. 

I am currently on the phone right now, trying to get to someone who can/will correct the misapplied payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
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 given reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CA

Complaint narrative:
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 given reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CA

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Last year, I sold my primary residence. It was financed by a loan managed by PHH Mortgage Services. Upon the closure of the sale, I had anticipated getting a refund from my escrow account of {$4100.00}. The first check was lost in the mail, so I requested a stop payment and a new check. PHH sent me a letter on XX/XX/2021 indicating a new check had been cut and was going to be sent. I never received a check, nor did it ever show up on my USPS daily mail email. After waiting until early XXXX, I again called PHH asking where my refund was. They indicated they would put a stop payment on the check and send another. Several weeks later, I received a check for ... {$1.00}. After several phone calls, I was then told the check for {$4100.00} ( that I had never received ) had been CASHED on XX/XX/2021. They then said they'd get a copy of the check to determine who cashed it and where. I was subsequently contacted by phone and email to say " we do not have a copy of the check '' and nothing more can be done. 

I am astounded at this... they're a mortgage servicer. They don't have deposit information for the check, nor an image? Further, I reviewed the daily email of scanned images of mail from the USPS - there is NO image of the envelope for this check. 

In sum, I have not received my escrow refund, nor can PHH Mortgage Services provide documentation of my having received/cashed the check. 

Please advise on what can be done. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient issues my private student loan statement on the XXXX of each month. I pay my bill according to that. 

XXXX month in particular I paid on the exact day my statement was due. Because I did this, for one of my loans, but not the other two, it applied it to the past months payment cycle and not the current one. 

They said something about the " threshold for loans in a given month '' that made no sense to me. 

I've never had this issue in the past, and I believe they need to be more transparent about this on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened up an HSBC Checking Account online on XX/XX/2021. At the time, they were running a promotion where if you met the qualifying activities, you would receive a {$450.00} welcome bonus. The qualifying activities were to ( 1 ) open your new HSBC Premier checking account from XX/XX/2021 through and including XX/XX/2021 ; and ( 2 ) make recurring qualifying Direct Deposits totaling at least {$5000.00} per month from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. I met the qualifying activities and even one of the representatives said, on XX/XX/2021, that I met the qualifying activities when I spoke to them over chat. The representative even said, " You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. XX/XX/XXXX direct deposit was received from there within eight weeks deposit will be credited to the account. '' During this time HSBC switched my account to XXXX. I followed up with HSBC regarding my {$450.00} welcome bonus and they informed me that I did not qualify for the welcome bonus because I did not sign up on the " landing page '' where I was supposed to sign up on. Although it was not one of their conditions for the {$450.00} welcome bonus, I did sign up on the landing page of the website where they advertised the {$450.00} welcome bonus. After some back and forth with HSBC, they are refusing to honor the {$450.00} welcome bonus they advertised and will not provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
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 given reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I applied for a job that was remote. Had the interview and the next day I got hired. The company sent me a check to go buy supplies. I deposited the check and the next day, the funds were available. I then went out and purchased XXXX XXXXXXXX XXXX XXXX, a XXXX phone and XXXX gift cards totaling 1,000 dollars. 
I was then instructed to send the computers and phone to the companies vendor to have installations of programs downloaded. I did that and the next day, the check wouldnt clear. Im out XXXX. 
Because I deposited the check and then spent the money, the bank is holding me responsible. I showed them all information, police reports and receipts and they didnt care. 
I did receive an email from XXXX stating I answered a job application that was a scam, however, that went to my spam folder and the damage was already done. 
Now Im having to hire an attorney to try and keep my credit cleared of this. 
Huntington Bank was awful to me and just kept saying that Im responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX has violated my rights. 

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 The credit bureaus have failed to follow the law and have constantly ignored my requests to delete and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Amerisave cut 3 checks from my escrow account to pay my hazard ins. Two checks for XXXX each, XXXX check for XXXX. The insurance was XXXX. On my dashboard, it clearly shows that one check for XXXX and one check for XXXX were refund deposited. After taking the 3 checks out of my escrow, the company ran an escrow analysis, which caused my escrow to be short XXXX  dollars, which in turn caused my mortgage to go up XXXX  dollars. I feel that the money somehow has been stolen. It clearly shows on my dashboard that the 2 checks were re-deposited but for some reason the money has not made it back to my escrow account. I have been dealing with this issue with the company for over a month. I have asked for a new analysis to be ran after the checks are deposited but it is at a standstill and in the meantime, I am paying XXXX  dollars a month more then I should be. I am retired and on a fixed income and clearing can not afford this huge increase because they won't correct their mistake, where are my 2 missing checks??

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a copy of my credit report. There is an account on there that I did not open. I have no knowledge of it. It has been opened by identity theft. The account was synchrony car care credit card. 
SYNCB/CAR CARE SYN CAR Date opened XXXXXXXX XXXX XXXX Account type Charge Card

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