vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
My leased Hyundai vehicle was involved in a accident in XX/XX/XXXX. It was declared total loss by the insurance. Insurance made the payment. I paid my deductible portion. In XXXX, I received a letter of bill from Hyundai Motor Finance. The letter states that I owe {$690.00}. I, immediately called Hyundai and notified that I and insurance paid the amount due. I assumed the issue has been resolved. There was absolutely no communication from Hyundai after that. 

However, I got a negative credit item reported to my credit record in XX/XX/XXXX without any prior communication that I owe anything or they are taking any action. 

Then I got the bill from Hyundai for {$690.00} in XX/XX/XXXX. I mailed them immediately that I do not owe anything. No response from Hyundai to my letter. 

They now send the matter to collection agency and now I got a letter from collection company dated XX/XX/XXXX asking for money. 

Prior to this matter, I had a perfect credit report with no negative information on my file. I was never late for any payment for Hyundai Motor Finance or any financial institution. They ruined my credit file and score for something that I don't owe. 

They are also harassing me through collection agency with amount I do not owe.

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: FL

Complaint narrative:
An account was fraudulently opened with Chime Bank. I was made aware of this account via email, otherwise I would've never known. I tried to reach out to Chime for assistance but was initially told I needed to be sure I didn't open the account or were trying to open a new account and close another one. After I received this email, I was extremely upset. I reached out to Chime a second time demanding this account to be closed. I also explained how all three credit bureaus have a fraud identity verification statement from me which they bypassed. Chime reached out again ( via email ) stating I would need to send in my social security card, drivers license and a picture of me holding my license in order for them to verify my identity. I emailed them back stating I will not send in these personal documents that were not required to open this account. Chime response was basically stating there was nothing they could do if I did not assist them with these documents. There is no telephone number to speak with anyone at Chime, they only respond via email. I am extremely upset during these hard uncertain times with the way I am being handled as a victim of identity theft. My personal information is out on the XXXX market and Chime doesn't seem to understand how they play a major role by skipping the appropriate steps to accurately verify potential customer 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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:
My previous company was issued a merchant cash advance by XXXX in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that XXXX is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from XXXX, and it clearly has no signature in the personal guarantee section. When disputed with XXXX, their response was that since it is allegedly an electronic signature, it won't show up on the contract.

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 2020-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Essential Lending Inc
State: TX

Complaint narrative:
I received a loan from Wise Loans in XXXX. Unfortunately, I ultimately allowed the loan to default. I received a call yesterday ( XX/XX/XXXX ) from a company called XXXX who claimed they represented Wise Loans and said Wise Loans wanted to take me to court. Unfortunately, they called me at XXXX and caught me completely off guard so before I could do any research, I reached a settlement, made a payment plan and paid them {$190.00} yesterday. 

I have attached the payment plan and a voice recording of the voicemail that was left to this complaint. There is no address underneath the company logo and the statement " this is ____ this is a debt collector attempting to collect a debt " was not stated. The phone number and extension of " XXXX XXXX '', whom I spoke with, is XXXX XXXX. 

I googled the company XXXX and the number they called me on and I could not find anything. In fact, there are similar complaints : ( XXXX XXXX   XXXX ). I contacted Wise Loans and asked if they could confirm that they were represented by the arbitrator XXXX and they directed me to XXXX XXXX XXXX. I called XXXX XXXX XXXX and gave me the name and phone number of the company who now owns my debt, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
1. I originated a XXXX XXXX with Sallie Mae ( now Navient ) on XX/XX/XXXX in the amount of {$30000.00}. 
I finally was able to pay off this loan with a balance of {$30000.00} or {$170.00} less than the original loan amount, after making payments for 15 years!!! I tried to understand how my payments were being applied but I could not make any sense out of their explanations! My conclusion - this company is a thief!! 

2. My payoff amount sent to Navient was {$30000.00} or an over payment of {$180.00}. In a telephone conversation with Navient on XX/XX/XXXX, I was told this amount would be refunded to my checking account before XX/XX/XXXX. Today, XX/XX/XXXX, I do not have the refund. I called Navient today and was told the refund would be processed in 5-6 days. I do not believe they have any plans to refund this amount! This is more of the same style of service I have received over the life of this loan! 

It is my opinion that this company is taking advantage of student loan borrowers and is acting in usurious practices and should be charged, at a minimum, with acting in violation of Fair Business Practices. 

If I follow the payment schedule provided by Navient this loan would never be repaid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TN

Complaint narrative:
Equifax should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have two federal loans for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loans are in default but they should be discharged due to XXXX closing, filing for bankruptcy in addition to the fact that I had to withdraw from classes because I needed XXXX XXXX XXXX. I submitted this information to the Department of Education XX/XX/2019 and was notified via email they received the information and there was a lawsuit pending against the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
Sls or Specialized Loan Servicing is the Servicers of my Loan! Do to the global pandemic I was forced to take a 90 day forbearance which they further extended to another 90 days totaling 180 days! I was required to file an RMA for a repayment plan! On XX/XX/2020 I was denied any repayment plan because my loan was not within 90 days! I contacted the sls to inquire about the denial and no one could answer my questions or was rude telling me submit a letter in writing we cant give that information over the phone. We have required help in passed and SLS has always been helpful, now during the pandemic they are refusing to even help and denied me on 12 tier of assistance! We were affected by covid and income lose! No one foreseen the pandemic happening and now my mortgage servicer Isnt helping us 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 explanation
Consumer complaint received 2020-09-18 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: CA

Complaint narrative:
XXXX XXXX should not be reporting to Experian and XXXX  a charge off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor on this account was XXXX XXXX and the account was sold to XXXX XXXX. This account is being reported in error and this inaccurate reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.

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 2020-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
Western Union is defrauding their response to this complaint. They claim that I am being defrauded even though I know I am not! Now I ask who knows better? ME or SOME COMPANY THAT HATES ME BECAUSE I AM A XXXX? Western Union wants me to prove that I work and that I have an income, where it came from, how much taxes I paid last year and so on. NOTHING is asked about the person or persons I am sending money too. NOT ONE THING! This is just more FRAUD on the part of Western Union so they can continue to be XXXX Haters. Not one question is asked about the people I am or have done business with. So how can Western Union possibly claim they are looking out for My Best Interest? They are not! Western Union is circumventing the law and need to be shut down. Just look at the states that have the highest complaints. How many are racially related? If in fact any of this is true, why hasn't Western Union called in the FBI, CIA, Homeland Security, Interpol, or any other State and or Federal Agency??? 
Very simply Western Union is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: CA

Complaint narrative:
XXXX XXXX should not be reporting to XXXX  and Transunion a charge off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor on this account was XXXX XXXX and the account was sold to XXXX XXXX. This account is being reported in error and this inaccurate reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: IL

Complaint narrative:
For the past few years, I pay my rent every month through the ebill and there has never been an issue. In XXXX, the lady I pay rent told me she never received XXXX, XXXX rent. I knew I sent it and saw it had not cleared, so I had another check sent to her. That overdrew my account twice due to my phone bill. So, I called Commerce bank. They told me that my landlord did cash the check, just late on XX/XX/20. My landlord checked her records and said that she was certain she never received the check. I called the bank again and they argued and finally transferred me to another lady, who compared my landlords signature against the endorsement on the XXXX check. They did not match. Im told it was endorsed by XXXX University. They sent my landlord a document to sign. Since then, i have to constantly contact them to find out what is happening. The last time I spoke with them, the woman told me that they know someone else endorsed the check but that I have to find the person in XXXX University and ask them to return my rent money. The bank has the routing number for the account. They dont have a copy of the check posted to my account and after all this time and repeated promises, I still dont even have a copy of a check for proof. Who would even give me money with nothing anyhow? Not to mention, I have serious side-effects from XXXX treatment and I dont have the strength to chase this down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: OH

Complaint narrative:
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 2020-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Global Trust Management LLC
State: OH

Complaint narrative:
Received a call from XXXX XXXX XXXX at my place of employment. A woman named XXXX asked for me. I have talked to her in the past, and she has always refused to give me details about the debt and who the original creditor. She was left threatening messages to my relatives and stated that I will be arrested. Now she has been calling my work, and I need this to stop. This is an illegal practice and is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: GA

Complaint narrative:
The waytogo program suspended my card and Ive been trying to get in contact with them for 2 months still no answer I have no food I have to borrow money from other people. I stay in the call for 2 hours everyday waiting for answers. And nothing is fraudulent about my account everything is under my information this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
THE DISPUTED ACCOUNT REMAINS ON MY CREDIT FILE : ABILITY RECOVERY SERVI Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
COMPLAINT My complaint is this is wrong information. They have deliberately increased the balance of a student account. I have been XXXX XXXX since XXXX. I withdrew from school and the financial aid payment was returned to the Federal agency in XXXX my last payment to the school would have been in XXXX before I got sick This can easily be verified by last date of enrollment. Ability Recovery Services has added {$400.00} to the collection amt reported by the school. that should be illegal. not only that the date the account was opened is clearly incorrect XX/XX/XXXX and this is old enough to be removed immediately. I need info on how to file a lawsuit. i have asked them to verify this amount and dates of enrollment with no response. copies attached

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
US bank services are the worst I have ever dealt with my reason for this complaint is US bank did not file my dispute claims correctly and in doing so have added errors to my account by putting it in the negative and recharged me twice I have given them very accurate and all of the correct information on my claims that they need but by them not taking down the exact information I give them they put the wrong information in the system lie about them needing additional information as an excuse of them doing a horable job on my disputes all of this leading up to my account being in the negative {$45.00} and being recharged {$42.00} and {$35.00} none of this would have occurred if the claims department would have put the correct information in the system I would like a full investigation done against US bank for falling to give proper customer service and causing error to my account

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 2020-09-18 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: TX

Complaint narrative:
I have been a victim of identity fraud and I have been working to get the negative fraudulent accounts removed from my credit report but it has proven to be a challenge. My information was also compromised in a data breach with XXXX. I have submitted a complaint to the Attorney General office as well.

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 2020-09-18 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX  {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.

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