vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/XXXX I purchased a XXXX XXXX XXXX and KIA MOTORS FINANCE provided the loan for the vehicle. 

On XX/XX/XXXX I traded in the XXXX XXXX and XXXX paid off that loan, the loan was then closed and a refund of {$21.00} was mailed out. 

On XX/XX/XXXX I received my annual XXXX bonus and I did not realize that my bank still had it set to send a large payment of {$5000.00} to KIA MOTORS FINANCE to pay down on my loan. I forgot to cancel the scheduled payment to KIA MOTORS FINANCE when I traded in the XXXX XXXX. 

On XX/XX/XXXX KIA MOTORS FINANCE received the payment, which as my bank advised me could not be reversed. I immediately called KIA MOTORS FINANCE so they could immediately process the refund and was advised that it would normally take XXXX business days to refund me but the customer service representative emailed the payment processing department to immediately refund me. 

On XX/XX/XXXX I again called KIA MOTORS FINANCE for a status update on my refund of the {$5000.00} and was told by everyone I spoke to that it would take 30 business days to refund me and there is nothing they can do. 

{$5000.00} is a LOT of money to be out. They're HOLDING on to MY money. My KIA MOTORS FINANCE account was closed out on XX/XX/XXXX with a ZERO balance. So how can they hold on to MY money?

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion will not report my credit while I attempt to obtain a service from a merchant that requires reviewing my credit score. The merchant states that TransUnion has reported a freeze on my credit reporting. I have no freeze on my TransUnion credit reporting. 

TransUnion can not be contacted to resolve this error on their part. 

All attempts to contact TransUnion have failed, there is no manner to reach a human at TransUnion. 

TransUnion improper freeze of my credit has impacted my ability to secure credit. 

TransUnion 's refusal to lift the improper freeze is negatively impacting my ability to secure credit.

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 2022-01-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Ive submitted numerous disputes challenging the accuracy of the furnishing on my consumer credit file with all three major credit reporting agencies and i'm getting ignoring. Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) consumer reporting agencies are suppose to report all accurate information and there shouldn't be a difference in any major credit reporting agency. Pursuant to 15 USC 1681b of the Fair Credit Reporting Act which governs all credit reporting agencies I demand these account listed in the documents attached be remove from my credit file. Failure to do so will result in civil and criminal fines pursuant to the Fair Credit Reporting Act 15 USC 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony BankXXXX XXXX XXXX is charging interest {$880.00} on a promotional balance owing of {$300.00}. 
Original balance was {$4200.00} 12 payments were made but by my mistake I was short {$300.00} at the end of the promotion.

Synchrony Bank XXXX  customer service is unable and or unwilling to explain and show the calculation of interest charged, I am unable to them explain after expending hours on the phone with them.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am being charged {$10.00} per month however, I should not be charged at all.

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 2022-01-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.

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 2022-01-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Experian XX/XX/XXXX Dear Credit Bureau : I have a few questions about several inquiries on my credit report. Is it true that in order to pull someones 's credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report WITHOUT MY AUTHORIZATION? In my last dispute, i asked for the unknown inquires to be verified and my request was ignored. I DID NOT AUTHORIZE THESE COMPANIES TO CHECK MY CREDIT FILE. 

Creditor : XXXX  XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX -- XXXX Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX From my understanding, this is against the law!! I did not authorize these aforesaid companies to pull my credit report, PLEASE DELETE THESE INQUIRIES TODAY!!!!

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MA

Complaint narrative:
Keycorp/Keybank-Joint checkinXXXX account. 


On two instances funds were withdrawn from a joint account held by my XXXX - XXXX XXXX and me- XXXX XXXX. Funds were withdrawn via an e-check to a XXXX  compay. 
First Incident - My XXXX had XXXX  away XX/XX/XXXX and the first e-check was withdrawn XXXX XXXX XXXX. This account was her primary account into which her Social Security deposts were made directly. I only discovered the fraudulent check in XX/XX/XXXX while preparing my XXXX 's taxes. Due to onging Covid shutdowns and restrictions it was difficult to get clear instructions on filing a dispute and finally a meeting face to face with the Branch Manager-XXXX XXXX XXXX XX/XX/XXXX. Considerable time was spent on the phone with the Fraud and DIsputes dept to file the correct paperwork. Please refer to the attached file that further details the first dispute, follow up contacts, then ultimately the second dispute initiated XX/XX/XXXX for another e-check withdrawn from the account. 
Futher- the account was supposed to be flagged/locked against any withdrawals or debits. 
SSA continued to make direct deposits into the account, even though efforts have been made to re-submit my XXXX XXXX XXXX. They will want the money paid into the account back. That would include the total amount withdrawn by the fraudulent checks. 
I have been treated more like the criminal than the victim thoughout this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX, I made a deposit to an inmate commissary account via my Southwest Visa issued by Chase. I placed {$19.00} on the account and accepted a {$3.00} fee to XXXX XXXX for the use of a credit card for a total of {$23.00}. The fee was based on a scale, which would have been more if I had placed $ 20+. Understanding the fees that merchants pay to credit card companies, I accepted the {$3.00} Fee. 

When I received my Southwest Visa Statement with Payment Due Date of XX/XX/XXXX, I found that the {$23.00} had been charged as a Cash Advance and a flat fee of {$10.00} had been added. When I called Chase Customer Service on XX/XX/XXXX, I was told the fees for Cash Advances were in my card agreement and additionally that interest would accrue until paid. I requested immediate processing of my auto payment to avoid additional charges. 

I do not feel that it is appropriate for Chase to take advantage of deposits to inmates. In my opinion, this was not a cash advance because I do not have control over the charged funds. If it was possible to send XXXX packages, I would. 

Furthermore, when I requested that Chase block my account from the processing of future Cash Advances, I was told that they could not. This is a predatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. I just had a XXXX XXXXXXXX XXXX and I was on medication and was not thinking clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I submitted a complaint to CFPB on XX/XX/XXXX. Ally responded on XX/XX/XXXX. CFPB XXXX XXXX. 

While I appreciate the response from Ally, they did not address that they ultimately used deceptive tactics to entice me into forfeiting my right to continue disputing the debt and saying that a partial payment would not adversely impact my credit. 

I did not arbitrarily come up with the amount that was paid. The amount I paid was positioned to me as satisfying the debt being contested. This was in line with a prior letter from Ally in XX/XX/XXXX where Ally proactively solicited that I accept a lower amount that would satisfy this debt. As someone that has maintained a pristine payment history not just with GMAC/Ally but across all my debts, it does not make sense that I would purposely adversely impact my credit score by paying a lower amount. 

Per my understanding of the Generally Accepted Accounting Principals ( GAAP ) from accounting of Accounts Receivable, it is at Ally 's discretion when my account should be considered a Charge Off. Despite the multiple times I told Ally I would be happy to pay for the damage, they still decided on their own volition to account for this as a Charge Off. I was clear in what was needed from Ally, I remained in constant contact with Ally throughout the whole time in question, and I held multiple calls with customer service representatives. All of these actions refute Ally 's position that I was not willing to pay. If the accounting mechanics mentioned are incorrect, I would ask that you please share the corresponding section within GAAP guidelines or provide a letter from your auditing firm that substantiates your position that a charge off was accounting driven. 

While Ally did complete a cursory review of the history, there are still substantial details left out. I have expressed multiple times that I would like to work with Ally so that this not be labeled a Charge Off.

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 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has called twice a day, everyday. They never leave a voicemail. And it is only because my most recent payment is late. It was due on XX/XX/2021. Citibank does this every month, even if my payment is just a day or two late. It continues until I make a payment.

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 2022-01-03 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I was charged for something I did not do or authorize on XX/XX/2021. I have communicated several times with Barclays XXXX credit card by phone and by their secure message center. They removed charge at one point and reissued card. However later they chose to reinstate charge and we have discussed in writing and by phone ad nauseam. Last message they sent said if I call in they would take charge off but when I call in they say there is no such note on my file and they can not access message center (? ) to confirm. It's all beyond ridiculous and frustrating. They can't seem to understand I DID NOT MAKE OR AUTHORIZE CHARGE and keep billing me for it. Its like trying to converse with a fish to get this 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 monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have two cards with Synchrony Bank beginning in XXXX. Almost every payment with this company has been a struggle. Ive called them numerous times to have the late fees and extra fees taken off because they said my payment didnt go through. Id call my bank every month to find it was never posted. This company is making 29.9 % enterest + late fees for every account thats late. I battled them every month to protect my credit score and my bank account. Im sure I am not an isolated case. My daughter also had the same issues. On XX/XX/XXXX she paid {$1500.00} on the account and received threats and calls about her 2 month past due payments. Im paying her bill off today {$3100.00} to be rid of them. They should be investigated.

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 2022-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Payments have been made on time suddenly payments were being reversed and after numerous payments being sent in various different methods payments were still being reversed after seeing payment exit the account. 
Numerous calls and contact to rectify were made now they are reporting delinquency to credit bureaus after their error to collect

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 2022-01-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. 
XXXX has removed all accounts associated with Account Name/Account Number : XXXX XXXX XXXX XXXX Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. 
Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act all credit reporting agencies should report 100 % accurate. Pursuant to 15 USC 1681b I did not give permissible purpose as the consumer to furnish this false information. Failure to delete these accounts is a violation of my consumer rights and I will hold Transunion civil and criminal liable for non compliance pursuant o 15 USC 1681n 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 non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
Fed Loan stated the my XXXX was missing, nothing was missing. Then they stated I was being processed, they didn't give me a que number that my XXXX would be processed. Then I was denied my XXXX for missing information. Spoke to a manager, they said everything was fine and my count still isn't updated. Complete morons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank charged my account with authorization Notice of billing error ( 12 CFR 1026.13 ), will be filing a police report as this is theft this isn't the first time they tried this. Will be contacting the IRS and the IRS Criminal division in regards to the interest and taxes concerning this fraud. This account was disputed and Synchrony dishonored the request for validation of debt. According to HJR 192-1933 banks have been bankrupt and can't truly lend or extend credit so please as i stated before please validate the alleged debt. Also you have been sending letters after you were commanded to cease and deists and failed to report that to the credit reporting agency 's. Violations 15 USC 1681 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 4 ), 15 USC 1692E ( 10 ) and 15 USC 1602 ( K ) If you need help with the codes CFPB has a library that's free to use and theirs also XXXX. " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

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 2022-01-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. Transunion will not remove it even though the account is fraudulent.

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