vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was contacted today by XXXX XXXX XXXX. Their phone number is XXXX. They informed me that they are suing me on behalf of Wells Fargo for a overdraft amount of {$900.00} that took place in XXXX according to them. I have no knowledge of this account, it is not on my credit report and I do not recall having a checking account with Wells Fargo during this timeframe. They informed me that they will be waiting for me at my home tomorrow in order to serve me with court documents and if I am not home they will come to my place of employment. The Account number they provided me is XXXX and case # is XXXX. I am concerned because I have no knowledge of this debt and am afraid of being humiliated at work. According to the person I spoke to this account charged off in XXXX and I have never seen it on my credit report? Does the statue of limitations apply? They said even though I am denying this account they are still going to sue me and contact me employer.

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 2022-04-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX / {$0.00} / 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 non-monetary relief
Consumer complaint received 2022-04-28 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I had a lease with Hyundai Motor Finance USA ( HMFUSA ) that ended in XXXX of XXXX. At the end of the lease, there was to be a ~ {$500.00} turn in fee, plus any wear and tear, I estimated wear and tear to be about ~ {$300.00} additional. This amount turned out to be correct. 

The issue that I am encountering has to do with the payment of this fee. I turned in the vehicle in the midst of COVID-19, which delayed the turn in until XX/XX/2020 at their request. The vehicle and keys were turned into the General Manager XXXX XXXX of XXXX Hyundai in XXXX. The vehicle was accepted, and I was told that I would hear from Hyundai as to when, where, and how I could pay my fee. 

I heard nothing from Hyundai until XX/XX/2020, that the amount was past due, and I had already been reported as delinquent to the credit bureaus. Before I could speak with Hyundai regarding the fee and where to send it, they damaged my credit. No details for payment were available online or in print. 

When I accessed their website to pay the fee, my account showed as zero 'd out and complete ... with nothing owed. I have screenshots to prove this.Months later, I get a notification from the credit bureaus that I have been reported as 60-90 days delinquent.

In the entire 60 months of the lease, I had never missed or been late on a payment. Yet, because of COVID-19 and issues on Hyundai 's side... my credit has been incredibly damaged. 

I spoke with them at the beginning of the disagreement, and they said that if I paid the fee, that they would take care of the reports to the credit agencies. That has not occurred. I tried to settle based upon their emails, but my account had been disabled.

I have made numerous calls and requests to HMFUSA to speak to someone, but all attempts at contact have failed. They will not respond to emails, phone calls, or mail. 

I have also contacted all 3 credit bureaus asking for investigation/ appealing the remarks. But this has also failed.

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 2022-04-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit report was affected because one of my banks made a delinquency report for my credit account and because of that the credit limit on that credit card was reduced and another credit card was closed. The truth is that I didnt pay my credit cards because I was in XXXX XXXX ( XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and wasnt able to use my phone. I want to know if i can fix this issue or if there is a law that protects me from this kind of problem.

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 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a refinance mortgage application with Bank of America. 

XXXX XXXX ( XXXX XXXXXXXX ) was my loan officer. 


Subsequently after the RESPA notice, I promptly supplied all requested documents to Bank of America. However, on XX/XX/XXXX, there was not a underwriting decision and the loan officer had no closing date in sight ( see attached document XXXX XXXX ) On XX/XX/XXXX, after 10.5 weeks from the initiation of the application and still no underwriting decision, I advised my loan officer that I will withdraw from the application. Since Bank Of America could not make a underwriting decision, I requested that the bank refund the {$880.00} of prepaid which was charged at the start of the application ( see attached document XXXX XXXX ). Afterwards, I made two attempt to follow up on the refund, but there was no response from the loan officer or anyone from Bank of America ( see attached document XXXX XXXXXXXX XXXX  ). 

A week later, I received an Action Notice letter, dated XX/XX/XXXX, that my mortgage was not approved based on Debt-to-Income ratio. The letter should have correctly stated that I withdrew from the application on XX/XX/XXXX ( see attached document 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 monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  Accout # XXXX, Account : XXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX Account # XXXX, Account Name : The XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX filing, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX / {$0.00} / 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 non-monetary relief
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint was made to the companies about violating the privacy Fair Credit Reporting Act to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX About a fraudulent account opened XX/XX/2018 for {$2500.00}. 
And XXXX XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 1 In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It Lao states a consumer reportito communicate with me under the the 15 U.S.C. 1692 C5 U.S.C. 1681.

15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It Lao states a consumer reporting agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed ng agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On Thursday, XX/XX/2022, I received an alert regarding my credit cards being over the limit. I have paid my credit card for the month of XXXX and I was not over the limit. Only when Capital One placed the interest charges on my credit cards that my cards went over the limit. I tried to speak with a supervisor her name was XXXX ID # XXXX. As always the supervisors are rude as ever! There was no resolve for the problem by contacting the company as usual! I am not saying that I am not responsible for the interest charges but I did not make my credit card go over the limit. I should not have my credit score lowered because they put the interest on the card that makes it go over the limit. My score went down XXXX points! 

I know that I am not the only person having issues with Capital One Card services. I wish that CFPB, The Federal Government, and The United States Treasury would do something about this company! They are horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
They have reported on my credit report that I opened an account with their client XXXX  in XXXX of 2020. They are now collecting on their behalf. That is false. It has been over seven years since Ive had cable with XXXX  and by law they shouldnt be reporting anything on my credit report. Especially since its been over seven years that illegal.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I received a legitimate looking credit card in the mail two weeks ago that I did not apply for. 
Last week I ran a free credit check through XXXX and the card doesn't show as an open account. 

Today I called " Upgrade '' aka XXXX XXXX Bank to confirm this was a soliciation. They asked for my email address to see if I had an open account. They did confirm I had an open account but would not help me without verifying the last four of my social and my date of birth ( understandably so ). 
I tried to reset my password online using the email they said I had used to apply for the account- it requires my full social security number to reset my password. 

This all seems highly unusual and suspicious. Probably phishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: DISCOVER BANK
State: TX

Complaint narrative:
FRCA Violation name XXXX XXXX  
FRCA Violation credit card
DISCOVER BANK
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FRCA Violation collection

XXXX XXXX XXXX  Reported: XXXX XXXX XXXX
XXXX  Needs Attention XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention
XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CT

Complaint narrative:
Good afternoon, I contacted Jefferson Capital Systems , LLC. to get a debt validation prior to proceeding with their allegation I owe a debt especially since I've never done business with this company. This was sent XX/XX/XXXX and they received XX/XX/XXXX confirmed through Certified Mail. In my debt validation request in which I have the right to request under 15 usc 1692g, I asked Jefferson Capital Systems , LLC. to provide validation through : * The amount of the alleged debt * The name of the original creditor to whom the debt is owed * The name and address of the original creditor which differs from XXXX XXXX XXXX * The agreement between Jefferson Capital Systems , LLC and XXXX XXXX XXXX granting Jefferson Capital Systems , LLC. the alleged right to collect on XXXX XXXX XXXX behalf * A statement that if I notified Jefferson Capital Systems , LLC in writing within 30 days that the alleged debt is disputed, Jefferson Capital Systems , LLC must give me the verification of the alleged debt and a judgement against me the consumer * Any insurance claim submitted by any creditor regarding the account in question. 

I stated if any of the information requested isn't received or provided and an invalidated debt is still being reported to consumer reporting agencies, I will have to exercise my rights under 15 usc 1692k which includes for me filing this complaint through the CFPB. 

In response to this call to action on XX/XX/XXXX I was sent misleading and offensive information stating " they can't sue me due to law limits of time when they can sue on the debt. '' They state " if I dont pay the debt, they may or continue to report to credit reporting agencies as unpaid as long as the law permits this reporting. '' They also included 1 false and misleading representation of what they call a " verification '' of the alleged debt which is nothing but a statement from XXXX XXXX XXXX being sent to MS XXXX XXXX XXXX dated back to XX/XX/XXXX reporting on the alleged debt. This is not a validation of the alleged debt as I requested. This statement doesn't address any of my validation requests and is intended to mislead me on information regarding the alleged debt. This isn't right and I will like to continue to take action against Jefferson Capital Systems , LLC. pursuant to 15 usc 1692d. Thank you for helping me to bring remedy to this unfortunate circumstance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$6900.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$6900.00} / XX/XX/2021

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