vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OpenRoad Lending
State: PA

Complaint narrative:
They made me get a paper notorized then a 3 week later they wanted me to get another paper notorized they they asked me five times for bank statement with my bank and other documents after 4 weeks the denied me claiming I put XXXX on application instead of XXXX claiming I lied about what I make they dont understand that I have pay medical insurance XXXX XXXX XXXX XXXX dental XXXX medicine and that comes out of my social security and they dont understand that why its XXXX and XXXX so they lied have witnessed that they lied they all of a sudden refuse to refinance my car loan they need to be out of business for not real practice procedures all delayed and I was told not to pay my other car loan that Im refinance so I have to pay them soon tomorrow they XXXX me up it cost me XXXX dollars for all this paperwork and stuff I had to pay for I want back I want them out of business keep this complaint on file so others who might have problems with them they arent a good customer relations company need to be out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: MO

Complaint narrative:
On XX/XX/XXXX I uploaded a document from the original creditor that deemed me not liable for the debt as it was found that I was a victim of identity theft through documents that I submitted to them. 
I contacted Experian today, XX/XX/XXXX, requesting the significance of this investigation and not deletion as I have been disputing this debt for several years but instead it has been coming back as " verified and been told to dispute with the original creditor on numerous occasions. After speaking with the Fraud Department Manager, I am now being told that my letter from the original creditor did not pass Experian 's Authenticity process! 
Experian is now stating Im providing false documentation to them after Ive been victimized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/13 Amount 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 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
HSBC Bank Nevada, N.A. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX. attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from XXXX XXXX XXXX ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: TN

Complaint narrative:
. I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In the year of 2013 the month of XXXX I was XXXX in the XXXX XXXX   XXXX some one had stolen my identity and opened this account the amount of the charges that is on my credit report is XXXX this should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: MD

Complaint narrative:
transunion will not fix an error it has been reporting on my credit file - i have disputed numerous times and they refuse to fix it. the dispute is with a XXXX  XXXX auto loan - from XXXX they report my last payment date as XX/XX/XXXX - this is not correct - the first date the account went delinquent AND STAYED DELINQUENT was XX/XX/XXXX - i know this for fact as i was in the XXXX maryland XXXX homeless shelter XXXX ( located at the XXXX XXXX  XXXX XXXX XXXX and i have a letter from them on their letterhead validating this fact - i can send if needed ) - i had no money to pay anyone i attached transunion 's own report i pulled and you will see where transunion reports the last payment was made in XX/XX/XXXX and never got out of delinquent status. so this being the last payment date - this item should be scheduled to be removed from my report XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I was in the process of applying for a personal loan with " PROSPER '', with an understanding that, it will only be a soft inquiry, unless i'm approved, during the cause of this, they pulled my credit! and i received a letter stating, they were unable to extend the loan Due to a low Fico and late charges, it seems they were just making up excuses, because non of these is true, my Fico is in the mid 700s, and never been late in anything on my credit, however, i have made several attempts to have the hard inquiry removed, but all efforts proved abortive, this ' a complete deception on the part of this bank " PROSPER ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy Diamond Bello & Associates, LLC
State: WA

Complaint narrative:
Our business established a contract with XXXX XXXX in XXXX of XXXX to provide and maintain water filtration and dispensing equipment in our place of business for 3 years, on a monthly basis. We were given a verbal assurance that after 3 years, we could cancel at any time, without any fees or hassles. Initially, the equipment provided was defective and damaged the finish of our floors. The equipment was removed and replaced after a couple months and our business was given credit for the months that the equipment was not available. The technician for the company took photos of damage and gave assurance that the company would pay for repairs or provide credit towards that. In XXXX of XXXX, the office manager for our company contacted XXXX XXXX to notify them that we intended to discontinue service at the end of the year and she wanted to schedule removal of equipment. She was told that the 3-year contract would not be complete until XXXX of XXXX, because our business did not pay for the period during which the equipment was not available, so our contract was not considered activated until XXXX. She submitted an online contact in XXXX of XXXX, confirming cancellation. When I contacted XXXX XXXX in XXXX of XXXX to coordinate removal of the equipment and officially terminate the contract, I was told that they had unilaterally auto-renewed the contract for 3 years as of XXXX, and termination prior to XXXX of XXXX would incur a fee for the entire 3-year period, in addition to a removal fee. At that time, I requested a full accounting of the contract from our finance manager, who determined that no credit had ever been provided for the damage to our facility, and our business had met all obligations of the contract provided, including giving adequate notice of termination. Our business never agreed to any termination fee or removal fee, nor did we agree to renew the agreement for an additional 3 year period. In XXXX of XXXX, I submitted a request for verification of debt and received no response from XXXX XXXX. XXXX XXXX continued to make demands of payment, under threat of collections actions and threats of making adverse reports to damage our business credit. The equipment was eventually removed from the premises. Recently, our business has been receiving collections communications on behalf of XXXX XXXX from a collections firm by the name of Levy, Diamond, Bellows and Associates. This company has also threatened to take legal action without providing any verification of debt. This harassment is causing undue stress and strain on our small business.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been trying to work with Navient who purchased my student loans onXX/XX/2011. Loan # XXXX. XXXX. Loan # XXXX XXXX. I was reviewing the details of the loan and discovered the disbursements amounts were not correct and I requested a validation of the debt and never received one. When I attended the school for these loans the cost was appx 13,000. I believe there has been a mistake and I have been paying for it for many years. If you are able to help me get some validation of this debt I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/2019, using the Zelle app, I sent {$400.00} ( as a security deposit ) to someone who was supposed to become my new roommate. They said after I sent the deposit, that I would receive the keys to my new place. Unfortunately they ended up being a scammer. I drove from Colorado to XXXX XXXX for this and now I have no money and no place to live. Zelle has no policy on this and therefore did nothing to help me and my situation. I have the email of the scammer and they sent me pictures of their I.D . ( which I'm guessing is not really them. ) If that somehow helps at all. But if there's anything that can be done, I'd really appreciate it, seeing as I am now broke and homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc.
State: ND

Complaint narrative:
I am in the process of improving my credit score so I opened a credit monitoring account. Over the last 2 years I have been contacting and paying off or removing old collections. I knoticed on my auto loan collections it showed Santander Consumer USA opened on XX/XX/XXXX and was last reported on XX/XX/XXXX. The amount shows {$15000.00} paid 100 % and account closed on XX/XX/XXXX. I tried to dispute to have this collection removed off my credit report as it was showing paid/charged off. Instead of it being removed it was declined and updated stating payments late/not paid through XX/XX/XXXX and states the last payment was made on XX/XX/XXXX, neither of which are accurate or rational. Due to this I called the Santander customer service hot line 3 different times only to never get answers. The 1st time I called they could not find any account under my name or social and then proceeded to give me 2 other collection agency numbers to call saying they sold the account. When calling those numbers no accounts were able to be found as well using any personal information. The 2nd customer support call still no account could be found and they stated they cant remove the collection if they cant find the account and I needed to redispute the credit bureaus findings. So I once again disputed this collection this time with a description of the reason for dispute, only to be told all the findings for the previous dispute would stand. They claim Santander is providing proof of this account although they are unable to provide me any information. I called for the 3rd time today only to be told for another time they are unable to find any account, collection, or information using my social security number and name. This has been going on for a month now with still no proof of an account and no change to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi there, My Savings account at BBVA Compass got charged an EXCESSIVE TRANSACTION FEE of {$6.00} on XX/XX/2019. 

When I opened this saving account, it was stated that " Access your money, with up to 4 withdrawals per statement cycle fee free. '' There is no definition of the length of the statement cycle on that webpage when I signed up. ( See attached a screenshot of the webpage ) In this case, I believe that most of the ordinary customer like myself would assume the statement cycle would be monthly by common sense, since I have never encountered a bank issuing statement that is not on a monthly basis. 

When I reached out to BBVA 's customer service regarding the fees that were charged. They stated that their four free withdrawals are on a per quarter basis, which was quite surprising to know. I then tried to do some research to find out their fee schedule and couldn't find it from their website. However, based on the information I got from the internet, I am not the only one that believes their four free withdrawals are on a monthly basis. See this website for your reference : XXXX XXXX XXXX Their free-withdrawal limit is unclear and misleading. 

I then asked them to confirm that whether the four free withdrawals are on a per quarter basis or a monthly basis. They provided me with a fee schedule that is not easy to find : https : //www.bbvausa.comXXXX I asked them to refund the fees because if I am aware of this unique withdrawal requirement, I would either not opening this account at all or be careful to keep the withdrawals under limits. It is unfair for customers to get charged a fee because of the unclear and somewhat hidden information provided by the bank. 

Please help me get the refund for the {$6.00} Fee. Thanks in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
We mailed I.Q. Data International, Inc a dispute letter within 30 days of getting their letter dated XX/XX/2019. We disputed the validity of the charges. However they have never verified this information as required by FDCPA. The apartment is actually the one that took part of our security deposit. We are in the legal process trying to recover this money from the apartment. We explained this to them politely and told them to stop calling us. However they continue to repeatedly call us, harass us, and use scare tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: Credit Technology, Inc.
State: TX

Complaint narrative:
I have hard inquiry on my report from Credit Tech on XX/XX/2019. 

Credit Tech XXXX, CA XXXX I have not applied for any credit nor provided consent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: MO

Complaint narrative:
I was a victim of Identity theft. I submitted my documentation : ID verification in the form or Drivers License, Social Security Card, Utility Bill, a copy of my FTC Identity Theft Report, A copy of my City Police Report and the accounts listed that I did not Open or was responsible for. My Attorney made me aware of the 4 Business day requirements that the Bureaus must comply by when theft is involved so I sent next day Certified Mail and even enclosed a copy of that law from the FTC. XXXX was the only Bureau that complied with the legal requirements to block this information. They did it in One Business Day. I have continued to have problems with both Equifax and XXXX during this whole Nightmare. They send delay messages saying " they need more time to investigate. '' I have my tracking information with dates they signed for my last round of disputes. I am requesting your help in filing Suite against both Equifax and XXXX for failure to block this harmful information from my credit files and failing to comply with the law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have tried telephone calls but they are routed to a call center in XXXX I believe and the language barrier is impossible for me to get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: GA

Complaint narrative:
On XX/XX/XXXX, I submitted documentation proving that three items should be removed from my credit file. XXXX and TransUnion refuse to remove them and have stated that they were " verified as correct ''. The letters provided clearly show they should be removed. According to the Fair Reporting Act, they are not abiding by the law. These are XXXX XXXX for 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 non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I live in Massachusetts and registration renewals are tied in to the leasing company. Documents get forwarded to the leasing company first and to me when they get around to it. Massachusetts send renewal docs usually 60 days before renewal, I got mine from Nissan Finance 15 days before renewal and renewed the day I got them. 

My registration expires tomorrow and I have not received the registration or new sticker from Nissan Finance yet, I called today and tried to find out the status and a rep told me they had the new docs but had not sent them out. I could not get a straight answer on when they would send them. 

If they can't forward the documents required to operate my car in a timely fashion I should not have to pay lease fees in the interim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have disputed this debt multiple times and have not been getting the correct information I have asked for. The dispute started with XXXX and XXXX and this company has said they are reporting correctly to the credit bureau 's when in fact they are not reporting correctly at all. I have not received an actual validation of debt, only a bill saying that I owe the debt. This company needs to send me the correct information that I am asking for and not just a bill, or needs to be removed from my credit report for incorrectly reporting. They have sent me a letter stating they have spoken with the original holder of the debt and have looked at their notes, but they still do not report to the bureau 's correctly. Because of this it needs to be removed from my credit report.

Company response to consumer: Closed with explanation