vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Landlords property management sold a repair debt to pacific credit services 5 years after the parties, the landlord and the tenants agreed on stipulate to set a side. The agency is now charging an interest rate on an alleged debt as well as reporting it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Hello, I received in XX/XX/2016 a late remarks on my credit report with Exeter bank and I didnt own the vehicle. I traded it in and XXXX XXXX owned the vehicle. They still reported it to my credit report. I called multiple times and they refuse to do anything. I submitted disputes and nothing. I did not own this vehicle it was traded in and if XXXX owed them its beyond my control. I would like this take off my credit report or I will sue them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: PA

Complaint narrative:
My score with Equifax is still showing the lowest, at XXXX compared to experican at XXXX and XXXX at XXXX I have complained before about their reporting my scores, lowering my scores when balance decreased, and this is STILL not corrected, I am attaching screen shots, showing the following items that have not been corrected, where my balances decreased, and/or collections were removed and Equifax either made no change to my overall score or decreased my score : XX/XX/XXXX decreas and collections removed score up - OK this is good but then : XX/XX/XXXX NO SCORE CHANGE collection removed balance decreased by {$150.00} XX/XX/XXXX Balance decreased by {$680.00} and a collection removed no score change why? 

XX/XX/XXXX - XXXX points balance decreased by {$1.00} why? 

XX/XX/XXXX Balance decreased 13 points, and my balance decreased by {$230.00} why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX SANTANDER CONSUMER USA # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Loan was paid off ( XXXX balance ) in XX/XX/XXXX. At this time, the lien still has not been released after 15 months. I have called company twice and sent an email in the past 10 days. Thus far, nothing has changed. 

The company is Kia Motors Finance USA. The vehicle a XXXX XXXX XXXX, VIN XXXX was purchased XX/XX/XXXX. Account number is XXXX. Loan showed a XXXX  balance as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I took out a car loan with Santander USA for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to Santander to tell them at the time I lost my job and needed assistance. Santander arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such Santander end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with Santander they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. Santander through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how Santander has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted Santander in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with Santander before I escalate this matter any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
There are two XXXX XXXX report the oldest one was mine I never opened another one in XXXX that is fraudulent also I was I. Touch about the Macys charge on my report I do not have a Macys charge someone must have had my info and opened it I had an argument with Macys about this last year and its still on my report. My XXXX XXXX  accounts Im on a payment plan none of these credit reports are right

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 2021-05-24 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: CL Holdings LLC
State: FL

Complaint narrative:
I was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
JEFFERSON CAPITAL SYSTEM # XXXX. 
XXXX XXXX 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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NowackHoward LLC
State: GA

Complaint narrative:
I had a similar experience with this law firm with a law suit from XX/XX/XXXX thru XX/XX/XXXX. It was a very horrific experience for me. Starting with the fact that I could not afford legal representation, as such, It was self representation. I was bullied through the court system which caused me a huge financial loss for forced settlement including their legal fees. Final judgement settlement {$1800.00} of XX/XX/XXXX. I made 3 installment payments to clear it. This amount was on top of every payments I made over time to catch up and be current, both assessments and late fees on XX/XX/XXXX {$1400.00}. 

Now to the current situation. I have made a fair offer for an amicable resolution. 
Every relevant documents attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We have our accounts with XXXX XXXX and use Bill pay through them. We had paid the first few payments and they got them to Regions Bank with no problem. About XX/XX/XXXX Regions bank contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted XXXX XXXX both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at Regions bank. 
I have spoken to both Regions and XXXX XXXX at least 15 times two times it was a conference call. XXXX XXXX has debited my account for the payment both months but no one seems to do or really care how long this process takes. 
It took me 3-4 phone calls to Regions for them to understand that this was not a check in the mail. It was send electronically from XXXX XXXX to Regions and has been accepted on their end and put somewhere. Two seperate times XXXX XXXX andI have sent proof of payment to Regions bank and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. 
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. 
We are seniors my hubby is XXXX and XXXX and very ill and I am taking care of him. This hardship is killing my ability to care for him. 
Please help me if you can neither of these banks seem to know how to solve a problem.

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 monetary relief
Consumer complaint received 2021-05-24 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: AL

Complaint narrative:
Equifax is reporting a company called XXXX  XXXX XXXX on my credit report. This account has been charged off for over five years but they continue to show late payment marks for every month which I thought was a major violation of the FCRA. If an account is charged off as a bad debt already they should not be reporting a monthly payment status but they are. They keep updating this old account. I want them to delete this account because they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have received multiple letters from Navient inviting me to refinance my federal student loans. Navient was also the servicer for my federal student loans. For a number of reasons, I find it disturbing that the company assigned by the Department of Education to service my loans is steering borrowers into its own private refinancing : ( 1 ) Borrowers may be deceived into thinking that refinancing is part of the federal student loan program ; ( 2 ) The potential consequences of refinancing are not adequately disclosed ( including loss of income-based repayment and forgiveness options ) ; ( 3 ) Navient 's practice of steering federal loan borrowers to its private loan product strongly suggests a conflict of interest ; and ( 4 ) This conflict of interest may result in significant costs for borrowers and taxpayers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I have requested a check with a sum of {$6000.00} on XXXX XX/XX/2021 from PayPal and I havent got this check from PayPal. I called them and emailed several occasions but nothing seem to be done.Im tired of all this and I really want the money back into my account. I got other checks but didnt get the huge amount I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have an old closed Kohls credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with XXXX dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past two and a half years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: FL

Complaint narrative:
On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : XXXX XXXX XXXX where I have come to now realized how XXXX has XXXX advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.

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