vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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: NY

Complaint narrative:
I had a Hyundai XXXX Account # XXXX which had completed the lease. I never received an end of lease statement. I have made several requests for this so I can submit the damage waiver so I can have that deducted from the amount owed. 
On XX/XX/2019 I got a letter saying that a final bill will be mailed but never did get anything ( see attached ) I am also attaching a report to show that it is reporting a balance. 
This has been transferred to collection yet I never received any proper bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NV

Complaint narrative:
With Experian, I received notification that my FICO score decreased 52 points due to a mortgage late payment from XXXX/XXXX. I disputed the matter as I had paid off the mortgage. Experian confirmed my dispute and corrected the report in 10 days, however, they only restored 48 of the 52 FICO points. There were no other factors that would have had an impact on the credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE! WE HAVE BOTH CALED AND REQUESTED OUR REPORTS OVER THE PHONE AND HAVE NOT RECEIVED THEM! WE HAVE BOTH REQUESTED OUR REPORTS ONLINE AND HAVE NOT RECEIVED THEM. THIS COMPANY REQUIRES A PHONE NUMBER ON THE ONLINE REQUEST! WE DO NOT HAVE A PHONE NUMBER TO LIST! WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS EFFECTIVE IMMEDIATLY! WE HAVE ALSO BOTH REQUESTED SECURITY FREEZES AND NEED OUR PIN NUMBERS MAILED TO US! WE DO NOT KNOW THEM BY HARD! PLEASE MAIL US BOTH A FULL, COMPLETED, PRINTED COPY OF OUR CREDIT REPORTS TODAY! WE ALSO NEED A COPY OF OUR CREDIT SCORES WITH THIS AGENCY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I requested online that Capital One change the account from which they debit their auto monthly payments to XXXX XXXX XXXX. ( See screen shot verifying this ) They subsequently debited on XX/XX/XXXX and XX/XX/XXXX my monthly payment of XXXX my XXXX account. I called today and spoke with XXXX on a recorded line and two other reps who refused to refund me the {$72.00} overdraft fees I was charged. XXXX admitted that Capital one made a mistake and never debited the right account. She went further to acknowledge that she had both the routing and account numbers for XXXX but did not know " why '' they debited the wrong account. They refused to refund my {$72.00}, however they advised they would as a courtesy refund {$35.00}. I terminated the call after that and refused to accept the {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate after their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: KY

Complaint narrative:
I have been out of the country of the past 10 years. 
I checked my credit to make sure its okay as am planning to come back home soon. 
and I found a collection comment on my credit report for California Department of consumers affairs for the amount of {$750.00} the same was forwarded to Rash and Curtis and associates for the amount of {$1200.00}!

I called Rash & Curtis Office and asked them to give me an idea or details of this collection and what is it about. The representative told me that it was for a citation for XXXX XXXX company and asked me if I knew them. I told him that I worked for them long time ago as a XXXX  and I was never aware of any citation or violations. and I asked him to give me more details of the incident as I truly don't remember anything of that sort. Furthermore I told him that if he can provide me with proof, then I will take responsibility and pay the fine but if its not then I want to dispute it and have it removed off my credit report, He refused to give me any details and continued asking me to pay and I refused and informed him that I want to get legal consultation on how to resolve this issue. 
I emailed Rash & Curtis and associates to minute the phone call and requested them to provide the details or record of the incident that proves my responsibility to it. 

Below is copy of my email sent to them. 

Case number Acct XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  ( 23 hours ago ) to XXXX Dear Rash & Curtis client service department. 

I called your office today XXXX XXXX to question a collection note that i noticed on when i pulled my credit report yesterday. 
The note was for consumers affair in the amount of {$750.00} and then forwarded to Your office for collection in the amount of {$1200.00}. 
I dont have any idea what is this claim about. 
When i asked your representative who answered my call he informed me that its for a citation for XXXX XXXX and if I knew them. 
I answered him yes, i worked for them long time ago as a XXXX  and i never received any citation and dont know anything about it. 
I would like to request a record of the incident to understand how was this citation transferred to my name and the way to dispute it and get it removed off my credit report. 

Please send me any record of violation or citation for this claim so i can understand and further address this issue. 

Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/18 I applied for the Wells Fargo Platinum Visa with a {$3500.00} credit limit @ 0 % interest rater for 18 months. My credit rating upon application approval was @ XXXX and according the advertisement the interest rate would be based on credit worthiness and payment history and no higher than 24.49 % ( being the highest rate which should not apply to me based on my credit worthiness ) I have excellent credit / payment history with all my open accounts to include XXXX XXXX, XXXX & Wells Fargo. However I am being charged an interest rate of 24.99 % on a {$1300.00} balance when my minimum payment is {$43.00} HOW IS THIS POSSIBLE.. Please 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 explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On Sunday, XX/XX/XXXX, I had a balance of {$8000.00} in my Ally online savings account ending in XXXX. On XX/XX/XXXX I initiated a transfer of {$5000.00} from my Ally savings account ending in XXXX to my newly opened Ally investment account ending in XXXX. I will attempt to attach a screenshot documenting that I initiated this transfer. Since it was a weekend, I knew the transfer would not appear in my account until Monday XX/XX/XXXX, but I had no reason to believe that Ally, with which I have banked for several years, would remove the money from my checking account and fail to transfer it into my investment account, which is what occurred. 

On Tuesday XX/XX/XXXX, I checked online to confirm the funds had been transferred from XXXX to XXXX. The screenshots I will attempt to attach showed the funds were subtracted from XXXX on XX/XX/XXXX but were never transferred to XXXX, so I called Ally and spoke with XXXX. She acknowledged my transfer instructions and that the {$5000.00} had been withdrawn from XXXX but never deposited to XXXX. She could account for my missing {$5000.00} but suggested it XXXX have had something to do with my browser. 

XXXX 's suggestion is untenable for two reasons : 1. I have used the same browser for my Ally transactions consistently over a long period of time without problems ; 2. I called Ally and obtained help with the transfer from an Ally employee, who reminded me that, due to the weekend, the transfer would not show up in my account until Monday. In actuality the transferred funds were deleted from savings that day, but never transferred to the investment account. 

When I spoke with XXXX yesterday, she gave me a case # ( XXXX ) ; she said the matter would be researched and resolved by today. She said that the funds would be returned to my checking account by today. Yet it is past mid-afternoon, and I have heard nothing from Ally. If I try to contact Ally by phone to check, the wait time is over half an hour, which is especially unacceptable since Ally caused this situation and has wasted hours of my time already in addition to mishandling my funds. It is now Wednesday XX/XX/XXXX, three days after the attempted transfer, and my {$5000.00} remains missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of XXXX XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: WI

Complaint narrative:
They said I owe {$2500.00} from a form apartment. I contacted the apartment, they said i owed yet they never sent a mail to say i was owing. I stopped arguing but then when i asked if I did, how do I pay, they went silent. Then i called the company many times but no respond. So even if I owed money, i have no way of paying to get it off my report. I just when it off the report, I don't care if i was owing, i know I don't, but I'm tired of arguing. Please help to take it off my report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I got a payday loan from Rapid Cash in XXXX XXXX in XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XXXX of XXXX, which is utterly false. I havent been in a Rapid Cash store in years. The collection agency, XXXX, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX  representative suggested I file a complaint. Please stop XXXX from their corrupt practices and from harming my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate after their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate after their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TX

Complaint narrative:
A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TX

Complaint narrative:
A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.

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