vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was informed by my tax preparer in 2019 that my personal information was lost during a business relocation. I was advised that she had made the necessary steps to report the incident to the authorities, and was advised to monitor my credit report and accounts going forward. I recently pulled a copy of my credit report and I see accounts and inquiries that I have not authorized nor any knowledge of. The accounts include : XXXX and XXXX XXXX XXXX XXXX. I also see credit inquiries made from XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have no relationship with these creditors. 

I've contacted the credit bureaus twice via mail and once by mail attempting to get this resolved. I have yet to receive a formal response I have the right to privacy and reporting accounts without my written consent is in violation of 15 USC 1681B Also furnishing accounts that in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that any address listed that I've never resided be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
This is another one of numerous corporate fraud complaint that i have submitted against Hyundai finance. After the previous complaint was settled, they called to apologized and adjusted the account to reflect the accurate amount. In XXXX, XXXX all outstanding balance of {$1400.00} was settled, which is in the amount of {$1000.00} paid on the XX/XX/XXXX, while another {$500.00} was paid on the XX/XX/XXXX and the balance should have been credit {$13.00}, while the account was brought into current. However, it does not reflect the outstanding balance credit of {$13.00}. Calculated debit {$1400.00}. Paid Amount ( {$1000.00} + {$500.00} ) = $ XXXX {$1400.00}. 

Nevertheless, after settled all the outstanding payment in XX/XX/XXXX Hyundai finance added additional {$370.00} to my monthly financed payment for the month of XXXX without any letter, nor call or notice. I contacted them to complain about the padded fees, after 3 days of avoidance to give reasonable reason for the illegal fess added to the account, they finally told us that it was for the re-possession fees. 

My car was never re-possessed at any interval and the fact remain that we never owned payment than 3 months, which does not triggered re-possession.They claimed that it was re-processed last year, XXXX in the month of XXXX. However, this is a lie. 
Additionally, there was not prior notice of re-procession. I have tried to reach them numerous times to remove the padded fees, but they told me they will never do that. Also, not viable explanation to support their story of just adding a fee of XXXX, XXXX to XXXX, XXXX. Right now the account is showing balance of {$840.00}, which is accumulated of the padded fees of {$370.00} + {$480.00} the real monthly payment. 

I feel like Hyundai finance does not want my account to be current, and this is why they lied and want to defraud me with additional illegal payment of {$370.00}. I want it to be noted that i feel like this is a retaliation towards the previous complaint i have submitted against Hyundai finance and they should be hold accountable with a heavy levy fees against them. If this goes unchecked i fear that Hyundai finance will justify the same reason to all their customers.

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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I received a collection on my report and it wasnt mines. Now it showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
In XXXX of XXXX, I setup a monthly transfer from our Marcus by Goldman Sachs savings account ( the one we have the problem with ) to a checking account of a family member. The transfers went through without issue XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I attempted to transfer {$1000.00} from the Marcus savings account to my usual checking account. My checking account institution then issued me a {$26.00} fee and said the {$1000.00} was not completed. That was the only indication I had that something was wrong with my savings account. Marcus sent no notifications. I contacted Marcus customer support via chat to see why it did not transfer and was told I needed to call the next day during business hours to resolve the issue. When I called, I was told that because we setup a transfer to an account we did not own, it violated some policy that we supposedly agreed to when creating the account years ago, and they completely froze the account. They were unable to provide us with the details of said policy. We insisted that we authorized the transfers, and that they were not fraudulent. Once we were told we needed to transfer the funds from the Marcus savings to our personal checking, and only then to our family 's checking account, we agreed we would do that in the future. After escalating the issue to a supervisor, we were told the only way to unfreeze the account was to have the funds ( at this point it was two separate {$1000.00} transfers ) transferred back to our Marcus account - no exceptions. It is unreasonable to ask our older family members who live off this money and don't understand how to electronically send the funds back ( if they were available ) to do this. We were told the fraud department placed the freeze on the account and that we were unable to communicate with them at all. We asked if we could put our name on the family member 's checking account, or their name on our Marcus savings account, or if we could close the Marcus account. None of those options were available as we are locked out. I explained that even if I wanted to send an advance of {$2000.00} to our family member in order to unfreeze the account, the rest of my liquid savings are locked in the Marcus savings account they won't let me access. It was only then that the supervisor said she would send a note to the fraud department. We were given no way ahead beyond call back in 5 business days to see if the fraud department has responded to the note. We were never given an option to review the verbiage she sent in the note to the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # 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 2024-02-23 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: MOHELA
State: FL

Complaint narrative:
Basically, I have been making attempts. Currently on my fourth attempt while trying to minimize issues with the process by completing a full manual certifications with both my own signature and my employers ' signatures. This final attempt might take a while to process. The third attempt, " XX/XX/XXXX '', I selected a deferment of loan payments due to my completing the > 120 payments. On studentaid.gov, a representative of XXXX  XXXX University provided an e-signature, which shows " completed '' on studentaid.gov. On the Mohela website, they list the same activity as a " duplicate form. '' Note that the form also requested a forbearance ; however, Mohela recently deducted {$480.00} on XX/XX/XXXX. 

Let us now move back in the timeline of attempting to get my last year of a six-year tenure at XXXX  XXXX University certified , which after eight months has not been certified. There were XXXX attempts at electronic certification. The first and second attempt was started on XX/XX/XXXX. I say first and second because XXXX  XXXX University sent XXXX separate forms, XXXX electronic to Mohela and the second through traditional mail after the first did not result in employment certification. Thus, there have been XXXX attempts by XXXX  XXXX University to verify my employment and XXXX attempts by me. XXXX of the XXXX  XXXX University attempts have been in vein, while XXXX of my attempts have resulted in the same issue. Although I am hopeful for a fourth attempt at something as simple as employment verification to be successful, the same " simple '' descriptor has be speculating that a single entity or cartel is causing a severe issue in the student loan sector which specializes in civil servants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 
Account # 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 2024-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
Hello, I reported for several months to HomeLoanServ their system was rejecting my payments from different banks. They did not resolve and after XXXX rejected payments, my online payment abilities shut down. With the regularly rejected payments, I lost track, and it turns I was missing a payment. As soon as I learned this, I sought to make it good, calling them to pay. I could not pay. They had shut it down due to payments being rejected. 

They just reported my mortgage payment as late today when I would have paid it if it were not for system errors and them shutting down my payment ability. 

I called them twice yesterday and confirmed payment would be turned on today and also asked that my calling be recorded so this would not go as a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Please see day of incident discovery i went online ( i don't use an online account... somebody else created a XXXX online account with my information ). 
The account is not dispute. 
It's the fact someone hacked my XXXX account, used my stolen information from my stolen wallet. They used my XXXX and created an online account. 
Purchases were resolved by Target. 
But the XXXX payments made XX/XX/XXXX and XXXX by the thief are not mine, {$4900.00} And not resolved. 
See attached discovery of CASH payments which Target still claim i made. My bank never paid out nor returned any {$4900.00} amounts. Someone else made these. Not me. 
See attached 'last balance {$4700.00} ' on XX/XX/2023. 

Their letters said different and contradictory information. One that my payment was returned. One that they made a mistake. 
But months later stating i made these and they were returned. Not true. 
Why can't CFPB justifiably question and investigate what happened to these XXXX payments. Where did it go? Isn't it a serious crime to steal company money? And For all i know maybe someone wanted to pay my account. 
Can CASH payments be returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I am writing to file a complaint against Mercedes-Benz Retail Receivables LLC regarding the mishandling of my recent request to surrender my debt security. 

On XX/XX/2024, I sent a negotiable instrument in certificated form and a letter of instruction via registered mail ( XXXX ) to XXXX XXXX XXXX, Assistant Secretary of Mercedes-Benz Retail Receivables LLC , as per our agreement and relevant SEC filings . This communication clearly indicated my intention to surrender my note for payment in accordance with Section XXXX of their XXXX Exhibit XXXX, which states : " Section XXXX. Cancellation. All Notes surrendered for payment, registration of transfer, exchange or redemption shall, if surrendered to any Person other than the Indenture Trustee, be delivered to the Indenture Trustee and shall be promptly cancelled by the Indenture Trustee. The Issuer may at any time deliver to the Indenture Trustee for cancellation any Notes previously authenticated and delivered hereunder which the Issuer may have acquired in any manner whatsoever, and all Notes so delivered shall be promptly cancelled by the Indenture Trustee. No Notes shall be authenticated in lieu of or in exchange for any Notes cancelled as provided in this Section, except as expressly permitted by this Indenture. All cancelled Notes may be held or disposed of by the Indenture Trustee in accordance with its standard retention or disposal policy as in effect at the time unless the Issuer shall direct by an Issuer Order that they be destroyed or returned to it ; provided, that such Issuer Order is timely and the Notes have not been previously disposed of by the Indenture Trustee. '' Despite confirmation of delivery, I have not received any acknowledgment or response from XXXX XXXX or any other representative of Mercedes-Benz Retail Receivables LLC . 

Multiple attempts to follow up with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX via email and phone calls have been unsuccessful, leaving me without any indication of acknowledgment or resolution regarding my request. 

This lack of response not only constitutes a breach of our agreement but also raises concerns regarding Mercedes-Benz Retail Receivables LLC 's compliance with fiduciary duties and SEC regulations . Section XXXX of the XXXX Exhibit XXXX clearly outlines the procedures for cancellation of notes, emphasizing the obligation to promptly acknowledge and act upon surrendered notes. The failure to adhere to these procedures undermines investor confidence and may have serious ramifications for affected parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Remove these fraudulent accounts from my credit report immediately I'm a victim of identity theft. Block this information within 4 business days, as required by FCRA Section 605B, and notify all those providing this false info. Act now or face legal consequences. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
HSBC USA N.A. is not responsible for the information that it provided. And gave me a terrible personal attack! 
I have an account in HSBC USA N.A. and I use it correctly and carefully. In XX/XX/2023, HSBC USA N.A. closed my account, in the next few weeks, HSBC in other countries also closed my account, and told me HSBC USA N.A. reported that I am involved in a financial crime. So it's a big mistake and affect me a lot, which makes me angry and confusing. 
In fact, my account is just used to save some money which transferred from the account in my name in XXXX, for the high deposit rate. Sometimes use the debit card to shopping. Once XXXX is going to give me some refund by ACH, so all of these money is legal, but not a financial crime linked account. 
What's more? I bank should responsible for the information that they provided to both customer and other banks in the same group. Your mistake caused that I can not use the banking service in HSBC XXXX any longer, but also suspended to be a criminal by others. It's a kind of personal attack! HSBC USA N.A. should responsible for that!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted this complaint to update this suspicious information. 2 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$25000.00}

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