vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXX XXXX, it is plainly stated that 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 XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person

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 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Hello, Santander was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing Santander in another lawsuit related to this! Santander is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding Santander to be removed from my XXXX, XXXX and XXXX credit reports asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit Collection Services to XXXX from my tax return when thy had been informed I am in the process of bankruptcy I had told them and gave them my attorneys number and asked them not to contact me in anyway and that they had to contact my attorney well they went and took part of my federal a refund and they didnt XXXX me so I think something should be done and my XXXX $ returned. Its not much but Im in the process of XXXX as wel and I have no income and just had XXXX XXXX XXXX. They shouldnt be able to get away with that! Thank you. They are located in XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I have been trying to dispute this account since XXXX that has been reporting to my credit. Ive asked them to verify this debt as I have never had an account or done business with this company. 
They have sent me the same documents over and over without properly looking into my dispute to legally verify this debt belongs to me. The documents being sent to me are a bill that is dated XX/XX/XXXX. Ive asked for legal documentation correctly stating this is my account. They have failed to send me what Ive been requesting. A bill is not sufficient documentation to validate this debt. I ask that you remove this off my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
In late XXXX of 2021 my wife and I bough caught XXXX XXXX. It took me a month to be paid back pay. In that time frame I fell behind on my car note and went 60 days past due. I reached out to Kia multiple times for help but they offer no assistance. Kias. Covid assistance can only be used if your note is current ( kind of useless ). Kia finance began calling my phone repeatedly. Up to three times a day. Hyundai/Kia called my wifes old employer and spoke with them about the debt which was humiliating. I finally spoke with an agent ( collections agent ) and she told me that my account was not secure and I needed to pay my balance before further collections activity happened she hinted at my car being repossessed. I forked out 800 dollars ( she could give no explanation on why 800 dollars would secure the car ) to ensure my family had a car. I was assured Id be fine until XXXX. That 800 dollars was all I had for almost a month to feed my toddlers. I had to borrow money from my parents to survive. Hyundai/Kia again resumed collections calls one week later. They called repeatedly primarily while I was at work. It was useless to speak to them because they will not help they just ask you to pay your balance in full. I posted a XXXX dollar payment when my back pay finally came in. Kia took 4 days to process the payment. In that 4 days my account which was current when the payment was submitted went past due by 2 days therefore making me unable to move my due date so that the current month would not be behind. So now they are calling over and over and over. I spoke with a female agent last week and told them what happened and to more or less pound sand until I pay them the XXXX I owe them for XXXX. Im fed up, they have harassed me. I have severe XXXX which causes horrible anxiety. They have driven me to consider running the car off of a bridge at one point due to their tactics and unwillingness to help. They need to be punished. I have attached photos of the many times they have called me in the last few days. They have called more than 5 times a week by my estimation however I recently deleted my received call list.

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 2022-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-02-18 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: DISCOVER BANK
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
On the date XX/XX/2019, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through Mid Atlantic Finance. I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$3500.00} exact but this dealership and Financial Institution gave me a total sale price of {$13000.00} ( see attachment for Exhibit A ). That is a total of {$10000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a ) ( 5 ) ( see attachment for Exhibit B ). Sadly this is fraud so this contract is now void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
The medical institution is Code 3 ER which closed during the pandemic. I have filed multiple complaints with the XXXX ( if you look at the XXXX website for this organization you will see multiple complaints just like mine ) and other organizations, like the local state departments where it was located in XXXX, because there was no phone number, email, social media account, or way to contact the company about anything and I was on a payment plan which I have proof of but there was no way to get an updated statement. Then Cascade Receivables Management LLC sent me a letter XX/XX/XXXX so I sent a dispute letter certified mail within days of receiving that letter. I then saw on my credit report that a XXXX XXXX XXXX reported it on my XXXX credit report XX/XX/XXXX. They had reported it to the credit bureau before it was validated which I read was against the Fair Reporting Act and I heard no response to my dispute letter. I just now ( XX/XX/XXXX ) received a bill statement from Cascade Receivables Management LLC that is a different amount then the amount on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX thru the XXXX, I've filed numerous complaints with cash app in regards to a transaction where goods was never received due to the merchant stating that his company don't take transactions from cash app. XX/XX/XXXX I sent XXXX dollars to a business called XXXX XXXX a service they provide as advertised. After making the transaction then reaching out to the founder he expressed that his company do not allow his invoices paid through cash app. I then reached out to Cash app to file a return of funds and cash app expressed that they found the transaction valid. One of cash app categories handle transactions where goods were not received. In order for cash app to verify if goods were received they would have to talk to a employee or founder of the XXXX XXXX who also goes by XXXX. I then filed another complaint with cash app to directly file complaint with merchant as they explained in a email. The complaint was filed XX/XX/XXXX and as of today no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hello, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing XXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my XXXX, TransUnion and XXXX credit reports asap!

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 2022-02-18 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: OK

Complaint narrative:
Hello, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and XXXX XXXXXXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was XXXX because of this! I'm XXXX financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my Experian, XXXX and XXXX credit reports asap!

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 2022-02-18 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: Synovus Bank
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, Florida. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, XXXX. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.

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 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I could not reach out to the school because, it is permanently closed now. I attended XXXX XXXX XXXX of XXXX XXXX. I took out {$40000.00} in students loans to attend this school to in hopes of being able to enter into the restaurant industry fully knowledgeable at a high paid position. Instead I lied to about everything. From job placement as well as job pay. They did not assist in helping get a job. And when I finally was able to find a job in my field of study ( culinary ) I started out at {$9.00} an hour. This was not what was told to me when I decided to sign up and attend this school. I feel like I was sold a costly dream that put me into a big debt hole that Ive been trying to climb my way out of for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Green Bay, Inc.
State: IL

Complaint narrative:
In XXXX I rented an apartment from ( XXXX ) Everything went according to plan and ended on good terms. We did a final walk through with no problem. Years later I receive a collection letter in the mail from finance systems. In the amount of {$770.00} XXXX XXXX XXXX XXXX in XXXX XXXX XXXX had already taken my security deposit of {$500.00} and never stated why. 

Now Finance systems keeps destroying my credit for a charge in collections over 6 years ago that I know nothing about! 

Ive already gotten it removed on XXXX and XXXX. Now need it removed on XXXX  ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I am filing this complaint for myself, a consumer & natural person without any help of a third party. This complaint is about Santander Consumer USA, the bank that provided my loan for a used XXXX XXXX XXXX vehicle that I purchased from XXXX on XX/XX/XXXX. This loan which was for the total of {$29000.00} ( finance charge ), {$31000.00} ( amount financed ), {$61000.00} ( total of payments ) & finally {$62000.00} ( total sale price : total cost of my purchase on credit plus my {$900.00} cash down payment ) for 72 months, per my original contract, in which I traded in a vehicle ( given {$5000.00} for it ) as well. I want to get straight to the point, I am furious because Ive paid this car off as of XX/XX/XXXX which was my loan maturity date after 76 months, due to 4 payments being deferred over the 6 year period ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XX/XX/XXXX ). So now per multiple Santander representatives XXXX # XXXX, XXXX # XXXX, & XXXX # XXXX they are stating that I owe a total of {$10000.00} which is an accumulation of late fees, ( my XX/XX/XXXX credit report received from XXXX shows NO LATE PAYMENTS ) and interest fees of the late fees. Now this seemed ridiculous to me so I began to start doing some research on Santander and found immediately on the CFPB website that there were a tremendous amount of complaints of Santander violating consumer rights, providing erroneous car loans to consumers over the years and also even settling with the CFPB to pay in excess of $ XXXX dollars in penalties.

Company response to consumer: Closed with monetary relief