vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX, a salesman along with the finance XXXX XXXX XXXX from XXXX XXXX Dealer ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) scammed us with many wrong information. 

1 ) XXXX asked us to come to the dealer and finished the buy out my leased vehicle and that was a must. It's wrong since we can handle it via customer service instead of going to them. They failed to mention they charge extra fees for processing the docs. They didn't even disclose it on the docs. 

2 ) XXXX told us he needed our SSN even though we already had an approval loan from my credit union. He also said he won't initiate a hard inquiry on our credit reports. He lied and scammed me. 

3 ) XXXX told us the buyout amount on Kia finance website quoted us did not include the sales tax. It's a lie because it included the sale tax. ( almost plus 10 % more on top of the final buyout we suppose to pay ) KIA Finance customer service confirmed it. The difference was about {$2000.00} which is not small. 

4 ) XXXX, charged us {$300.00} fee and {$450.00} final check fee. Per the lease contract, if we buy out the lease at the originating dealer the dealer fee would be waived. XXXX denied such agreement even though it's in our contract. We brought our car in for the periodic inspection and oil change. However they still wanted to charge {$450.00} for " making sure it's safe to release ''. We said there was no need for checking since it's already been checked at the oil change. On a side note, another nearby dealer would only charge {$250.00} and they were willing to waive it since we just got our car checked. 

They scammed us many above issues and damage my credit report with unnecessary hard inquiry. We cancelled the deal after finding out about their lies. We asked them unground my car so we can finish the buyout process with Kia Finance Customer Service but they sill haven't done it an entire week later.

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 2020-11-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from my prepaid card, Netspend stating that I had been overcharged monthly fees and as a result they had refunded the difference of the overcharges on XX/XX/XXXX to my card account. I checked my card account, that had been inactive since XXXX and found no refund had been issued. I was in fact charged {$9.00} a month, even though their policy states the monthly fee is reduced to {$5.00} when you have at least $ XXXXmonth in direct deposits, which I did as my payroll was direct deposit to this card account. 
I have made at least five calls to Netspend in an attempt to find out where they issued the refund. The company has told me multiple times they have " escalated '' my issue and I would receive a call back within 24-48 hours. I have never received a call back from anyone. When I call to follow up, I am clearly being given the run around. I have been put on hold for 90 minutes. I have been told the letter is an email scam, however I received the letter via USPS, not email. I have been told their Global Support team reviewed it and came to the conclusion I was not due a refund, despite receiving a letter stating the opposite from their corporate office. Today was my final attempt to try to resolve it with the company directly. 
I did not initiate this refund issue, Netspend issued by XXXX alerted me to the error and are claiming they sent me a refund. I stopped using this card because this company 's customer service and policies caused me so much frustration. I also know the FTC had to get involved with other issues involving Netspend in which they helped consumers receive refunds. I'm unsure if my issue was part of that arbitration.

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 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove this items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have been on the phone for over 90 on XX/XX/2020. I have been transferred 6 times and no one can explain to me why my UBANK ATM card will not work at a US BANK ATM to allow me to make deposits.I have 3 separate accounts and none of the atm cards are allowing me to make deposits. I spoke to a manager and he was totally useless. I went to 3 branches and can't get in to get anyone to help me. The location in XXXX, Illinois is always closed or the system is down. I want someone to explain this issue to me. This is ridiculous.

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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NY

Complaint narrative:
sofi promised {$75.00} bonus for getting a {$500.00} or more direct deposit. I got ad driect deposit for {$500.00} on XXXX yet the bonus did not credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
My identification was stolen and used a the hospital

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Received 2credit cards from US Bankreliacard with my name which I never applied for 1 from Colorado and 1 from Ohio i called co.and reported both cards and were de-activated

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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
I want Associated Bank to close my checking account immediately, and send me a letter with payment plan options to pay the {$1900.00} back I owe Associated Bank for my overdrawn checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MI

Complaint narrative:
XXXX XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

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 2020-11-09 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: MI

Complaint narrative:
XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NC

Complaint narrative:
I have a joint account for a car loan with Santander Financial for a car loan. The loan was previously delinquent ; however, the loan was brought current as of XX/XX/2020. On or about XX/XX/2020, Santander reported to the XXXX/XXXX/XXXX  that the account is 30-59 past due ; despite the account no longer being past due. I contacted Santander this morning and was advised that they will not update the credit reporting further, and that if I have a problem with it, I will need to send them a letter in the mail to dispute the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, 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.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-11-09 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: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
ON XX/XX/20 ; I Contracted to Finance a Used CPO XXXX ( XXXX UNDER VIN # XXXX with XXXX, ) ; Unfortunately I was manipulatively denied not able to TEST Drive this XXXX ( XXXX ) ; Since It was supposedly being immediately Reconditioned for me, from sitting on a Lot waiting to be Serviced from off a 3Yr LeaseXXXX ReturnXX/XX/20 ( XXXX ). I was Re Driven By Sales Rep-XXXX to XXXX ( XXXX XXXX XXXX Showroom, and Nevertheless Once the X6 Became available it was near closing time-XXXX, By This Time I had already partially Signed papers inwich ( later noticed different Amounts, and was Ushered Out of finance Office from meeting with Finance Mgr-XXXX. On XX/XX/20 this Evening, I have driven taken Vehicle home for the first time..I was Informed by Male Stranger, as I was parking One of My brake light was out. The next day-The radio shut off ( 2x ) ..This XXXX- XXXX Appears to be exhibiting Electrical Problems, While Driving it also Sounds appears to be Driving Heavy in Uphill Mode ( Dragging ) ... The vehicle has been Scheduled for Svce repairs ; However I Had to cancel Svce XX/XX/20 date. By This Time I had already XXXX  Decided to CANCEL-XXXX  Warranty-TIRE from addt'l XXXX, informed-XXXX Worth XXXX ) ..This XXXX  Warranty just so happens to Cover all the INITIAL Repairs that SHOULD have been taken care of Already PRIOR TO SALE..Rim Repair-painting, Small Blemishes-Paint-PANEL-Bumper Dings-Nicks, XXXX XXXX, XXXX..IT APPEARS OPENROAD WAS HAVING ME/BUYER ..IMMEDIATELY UTILIZE MY WARRANTY TO TAKECARE OF THIS RETURN OFF LEASE REPAIRS ( Still Have me Finance the OVER XXXX, ) ..NEW Worth XXXXonce Discovered, and calls became scarce-I CONTACTED XXXX XXXX XXXX Rel ( XXXX, Concerning being DISCRIMINATED from Prior-four XXXX Dealerships ) .On XXXX was informed, and left several Msgs to Contact Mgr-XXXX XXXX ; Until present - Mgr-XXXX never became available.This JUST OFF3YrLEASE RETURN with Repairs..XXXX Is Not Worth Excessive XXXX. ..- ( XXXXMnths ), Entitled to XXXX Price, and Renegotiate Normal price for Condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.

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 2020-11-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXXI refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.

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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX, and I am contacting you because I have been trying for over a month to get my money back that was deposited into an BBVA COMPASS atm, but not was not able to go into my account because the atm retained my money. On XX/XX/2020 I went to an outside BBVA atm in XXXX on XXXX XXXX to deposit money for rent a total of {$780.00}. I placed my card in and put In my pin. I went through the steps to make a cash deposit. Once I inserted the money the atm stated to please take unrecognized bills. I waited and waited for my bills to be returned, but it never did instead the atm prompted and asked if I needed more time so I push yes because I had not received any of my money back. I waited about 2 min again until I was asked the same question, then I pushed no because at this time Im frustrated and was going to deposit it at another atm since that one was not working properly. Once pushing no the screen read Please take your chase it is being returned so I waited for my money to be returned. But it never was about 3 min later the screen read your funds are being retained, please contact customer service for further assistance and had given me the 1800 number. I did not receive a receipt or anything so I'm lost at this point. I called, but being that it was a Sunday the banks were closed so I decided to call that following Monday the XXXX of XXXX. I called and explained my situation to the agent who answered the phone they put in a ticket for me I waited 10 days and called back on the XXXX of XXXX for them to deny my claim and say that I never used my atm card that day nor did I make a deposit that the atm funds were correct. I was upset because I know for a fact, I placed my money there I explained to the agent that I did in fact make the deposit they can check the cameras and see me there see the cash in hand seen all my movement. Another ticket was placed to further investigate ( or so I was told ). On today I called back the XXXX of XXXX to be told that the second claim was denied as well. At this point I am furious. I work hard for my money for it to be given away to a bank. I have placed a 3rd ticket, but I have decided to contact you guys because this is too much and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report

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