vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX plugin leasing car which I returned to XXXX XXXX XXXX on XX/XX/2018 and at the same time I purchased a new XXXX XXXX XXXXXXXX XXXX  there which was the best option offered to me that day. 

I really enjoyed my leasing car and kept it very well, replaced with new tires before returning it to toyota. The only damage was the windshield crack caused by a flying stone while driving on the freeway. When that happened, I first checked with my car insurance company and was told that it would be fully covered if I want to fix it. Since it was a leasing car, the insurance company suggested me to contact Toyota. When I called Toyota, I was told that I don't need to worry about that at all because it is not personal damage. Then I didnot bother to let the insurance company fix it. 

On XX/XX/2018, when we shopped around for a new car at XXXX XXXX XXXX, the persons there again confirmed me that should not be an issue at all and they even told us, if we didnot tell them, they even could not notice that. Happily we returned the leasing car there and got home with a new XXXX XXXX XXXX XXXX. 

To our surprise, more than two months after we returned the leasing car at Toyota dealer, we finally received the leasing end statement from Toyota Financial Services ( XXXX XXXX, XXXX XXXX, IL XXXX ) with a {$1000.00} plus tax {$81.00} for excessive wear and use ( just the windshield replacement ) in addition to the {$350.00} plus tax for the disposition fee. Moreover, they put due date of XX/XX/XXXX, only 13 days after we received the final statement, which is really unfair. 

Toyota kept informing us before our return and at the time of our return that we don't need to worry about and which is not a personal damage at all. Otherwise we could easily get it fixed by our insurance company for free before the lease car was due for return. 

According to XXXX XXXX that a windshield replacement typically costs between {$100.00} and {$400.00}, including labor with the average cost ranging between $ XXXX {$230.00}. The estimates from my local body shops are all about $ 200- {$250.00}. It is ridiculous that a car maker needs to charge total {$1100.00} for a windshield replacement. 
It is hard to believe they scam their customers this way, especially we immediately purchased a new XXXX XXXX at the time of returning the leased car. We really hope you can do further investigation and assist us in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
United XXXXXXXX XXXX and its escrow sub-servicer, XXXX XXXXXXXX, did not pay or disburse my homeowners/hazard insurance by the due date. 

****United XXXXXXXX XXXX and XXXX XXXX XXXX dba XXXX XXXX clearly violated Regulation X, 12 CFR 1024.17 ( k ). 

****My mortgage refinance closed with United XXXX XXXX   XXXX XX/XX/2019. At the time of closing, an escrow account was established to pay property tax and homeowners/hazard insurance. My homeowners insurance policy was due XX/XX/2019 and no payment was made by my mortgage servicer. It is important to note that I have not been 30 days late on a mortgage payment and the escrow account has sufficient funds to pay the insurance amount. 

****It is reasonable to think that United XXXX XXXX and/or XXXX XXXX deliberately failed to pay my homeowners insurance policy in order to issue FORCE PLACED INSURANCE. This unfair, deceptive, abusive act and practice should not be allowed. 

XXXX*If United XXXX XXXXXXXX and/or XXXX XXXX did not purposely fail to pay my hazard insurance, this it was INCOMPETENCE on United XXXX XXXX for failing to adequately supply its sub-mortgage servicer with all the information to pay my hazard insurance. If United XXXX XXXX  did supply XXXXXXXX XXXX  with my hazard insurance information, then the INCOMPETENCE falls on XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took out a loan for {$41000.00} in the year 2009 for XXXX. Only less than {$10000.00} has been subtracted from the principal balance I still owe {$31000.00}. The loan was originally taken out with XXXX but now it is being handled by the company that bought them which is Wells Fargo bank, and I believe the principal balance has been decreasing slowly since they took control of my student loan. Please help me bring my balance to XXXX and options they can put me in that position. Thank you and look forward to your 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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called Transunion to dispute inquiries that where not authorized by me Ive sent letters on XX/XX/XXXX and XX/XX/XXXX and that just this year. Ive sent all the paperwork theyve ask for and yet to remove these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/2017 I paid in full BOTH my capital one cards and was told it would be a one courtesy to remove both from my credit I was lied to I have since disputed this and capital one First .... had dates of late payments and paid times reported ... .. then  changed it all completely with worse dates making me look horrible to creditors .... this shows capital one are lien and are very unprofessional please please help over turn this and FORCE them to remove this please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
When I vacated the apartment complex, the Apartment Manager stated to me that they would send me a final statement of what was owed. I never received a final statement or a notification that an amount went into collection. I accessed my credit report and saw that the balance went to a collection agency, Blakely-Witt & Associates. I called Blakely-Witt & Associates to negotiate a payment arrangement and spoke with XXXX XXXX. I am currently an XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX stated that if I wanted to make monthly payment arrangements that I would have to pay half of the balance owed {$600.00} and then make monthly payments moving forward. I explained to Mr. XXXX that I was XXXX XXXX and I could not afford that payment at this time but I could afford was {$100.00} per month, until the debt was paid in full. He would not accept the payments. He told me that I could hold the {$100.00} payments in a savings account and then call back in 6 months. My Financial Counselor, XXXX XXXX, attempted to assist me in informing Mr. XXXX that I was XXXX XXXX Military and verifying if he was refusing the payments and he said Yes, his clients would not accept the monthly payments without having half down first. Mrs. XXXX further explained that I could not afford the half down payment and that if he was refusing my payments of {$100.00} now then she would be forced to file a complaint with the CFPB. Mr. XXXX then replied with " Go ahead, file it ''. Mr. XXXX was very aggressive and unpleasant and was not willing to accept the payments I could afford at this time which was fair and reasonable. The debt would have been paid in 12 months and in plenty of time before my Armed services contract was to expire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I bought a new car but with XXXX  miles on it I noticed sensor lights on. I took it back to the dealer service department on XX/XX/2019 and was told not to worry even though I had great concerns. An appointment was set for XX/XX/2019. On XX/XX/XXXX while returning home from a VA Hospital appointment all sensors failed. The dealer wasn't available to help. upon getting home I called Hyundai Finance and Hyundai Corporate Offices in California. They told me to have it towed to the dealer, this was done on XX/XX/2019. I was given a case # by Hyundai Finance ( XXXX ). Nothing was done to repair the vehicle because I was told I had to pay for repairs even though the Hyundai Warranty, and a Carefree Car Protection policy had been purchased at the time of the car purchase. So the car sat in the dealers lot for over six weeks and since has been taken somewhere else. I still receive billing from Hyundai Finance for payments past due. The loan amount is {$23000.00} and the past due amount is {$620.00}. I haven't seen or had service of the vehicle since XX/XX/2019. I've tried to work with them but now get no response to my e-mail letters. I think that Hyundai has covered up an internal issue with my vehicle. I do know about the complaints and fire issues that this company is currently dealing with The Center for Auto Safety and Congress of The United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2019 I sent a certified letter to XXXX XXXX XXXX requesting the send a letter of validation. The company only sent 4 out of 7 things I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX calls me numerous times throughout the day from multiple phone numbers. Today, XX/XX/2019 they called 6 times from 3 different numbers in just over 1 hour.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I had a dispute and closed an account with a merchant of questionable integrity. It was a healthshare account. I had not given the healthshare company my new card info ( same account, just new security code ). The company was unable to charge me for 2 1/2 months. They had requested my info, but I did not give it to them. Therefore, I thought there would be no continued billing. 2 1/2 months later, my CC co. ( XXXX XXXX XXXX/synchrony bank ) started billing again. I had not authorized these charges, and my healthshare account was suspended during that time. Therefore it wasn't a valid account. 
I disputed the charges and they were reversed. But the healthshare company was able to bill me again. 
The CC company did not stop the recurring charges as requested. They said they were unable to stop the recurring charges. I asked if I could get a new card/account number, they said yes, but the recurring charges could follow me to the new number. 
They said there was no way for them to stop the recurring charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On or around XX/XX/2018, my mother received a phone call asking for me and telling her I need to call them because there is a warrant for my arrest. Later that day, my Father who lives in a completely different state called and said he received a similar call stating if he did not give them my contact information, he would be sued along with me. I finally decided to give them a call because I do not get into trouble criminally so I was intrigued. When I called, I was immediately threatened with a lawsuit if I did not pay the amount owed on years old debt. I clarified with them that this was a debt situation and not a criminal suit and they said yes. I asked them why they were contacting my family in regards to a debt as if I am facing jail time. They continued to ask about my financial situation. I informed them that I had been unemployed for over a year and am now XXXX  and on XXXX XXXX and did not currently have an income. The representative then stated well if you can't pay all of it we will push your lawsuit through. I explained to them that there is no possible way for me to pay them in the condition I am in now but since I am now aware of the situation, I will rectify as soon as I am able to work again. I also asked them not to contact the number I called them from because it was a family members phone I was borrowing or my parents. They assured me that they would not call that number but, this morning ( XX/XX/2018 ) that family member received a call in regards to my " case '' and got scared. Once I spoke with them they again told me to contact their " legal locating office '' or they will come to my last known address/work. At this point I am feeling harassed and backed into a corner on a situation I can not amend right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: LA

Complaint narrative:
I opened a dispute with Experian. They closed it the next day saying it was accurate providing no documentation. Sent letter with info below.. Account was not mine. 

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX , XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my second written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection. Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. 

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 non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
Escrow Mismanagement. As Planet Home Lending customer ( Loan # XXXX ), I have been paying all monthly payments on time but so far Planet Home Lending has not been transparent of all the taxes and other residential fees payment from Escrow. Recently there is a 10 % penalty applied from School District Real Estate tax due to payment has not yet been made. All bills copies have been scanned & emailed soon as I received it in the mail but the payment was not made on time. It is frustrated that the law doesn't allow homeowner ( borrower ) to take care of their own tax bills but then the lender provide poor services like this. Now the property will soon be in lien status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI

Complaint narrative:
Upon closing on my property at XXXX XXXX XXXX, XXXX XXXX MI XXXX, I was issued a check for {$4400.00} to be paid to XXXX XXXX. This check was never cashed by XXXX and first American says the check cleared. XXXX never cashed this check and I need the money to be returned to me immediately.

Company response to consumer: Closed with explanation