vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to complaint.consumerfinance.gov with complaint # XXXX stating that my Leasing company Hyundai Motor finance is XXXX ) Harassing by incorrect credit reporting 2 ) Holding up my Tax refund from XXXX, XXXX county Post complaint, The leasing company and credit union corrected the credit reporting, however on the subject of Tax abatement and refund : - On XX/XX/XXXX the leasing company stated that they had applied for an abatement with XXXX County on XX/XX/XXXX, but has yet to receive a response. Should an abatement be processed, any refunded payment would be sent. 

Till today on XX/XX/XXXX, I have not received any update from the leasing company for my tax credit. 

Upon inquiry, XXXX county tax collector office stated that the letter, they received from the leasing company, requesting the adjustment is dated XX/XX/XXXX so they are not sure why they would claim it was sent in on XX/XX/XXXX. 
They also stated that the refund letter that is required to be signed and remitted was mailed out to the leasing company on XX/XX/XXXX. XXXX Tax collector office is yet to receive it back from Hyundai Motor finance, which is causing the hold up. 

In their earlier response to consumerfinance on XX/XX/XXXX, the leasing company : - 1 ) Had lied that they had filed for abatement on XX/XX/XXXX. 
2 ) Had lied that they did not receive any response from XXXX county tax collector office. 

My previous complaint to consumerfinance was closed without any action/help, and very conveniently, the leasing company, willfully, did not cooperate with tax abatement, in retaliation to my complaint. 

If consumerfinance would take no action, why do such institutions exist?

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 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services
State: IL

Complaint narrative:
I called to get an refinance loan. They said no canceling my application. I asked why. I borrowed XXXX and they said I have to pay XXXX in order to get a refinance. 
So I asked could my payment be waived until my next pay date again no. 

Even though more than half of the borrowed amount has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NPAS, Inc.
State: NV

Complaint narrative:
NPAS Inc. called me at XXXX XXXX to attempt to collect a debt on behalf of a hospital that was improperly billed as out of network and is actively involved in an insurance dispute. While I don't expect NPAS to be up to speed on an insurance dispute, I do expect them to not violate the Fair Debt Collections Practices Act and not call before XXXX XXXX. when they are not allowed to call you prior to XXXX XXXX. or after XXXX XXXX. unless you agree to it.

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 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
-Was not living at the address at the time account was opened. 
-No notification that account could be disputed. 
-No contract with 3rd party collector only original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: PA

Complaint narrative:
I have a dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX Hospital as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my 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 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select portfolio servicing : XXXX XXXX XXXXforeclosed on a loan I paid off in 1998 after I sold the house for them. They did this by taking my down payment and paying off a 1998 loan recorded on my neighbors lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This is a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refused to remove inaccurate account that has not been validated. Experian continues to accept summarized typed documents from XXXX XXXX to continue Experian to keep the account in my credit report. 

Experian refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Experian allows this and says account validated it is not. 

There was a settlement just settled with Experian who have not corrected any of their records they refuse to do anything

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 2020-12-14 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
On my XXXX  report there is a closed account with huge amount of missed payments. SANTANDER CONSUMER USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have a dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX XXXX as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, CAPITAL ONE AUTO FINANCE and XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-14 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: FL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have a 30 year fixed mortgage backed by XXXX XXXX with XXXX, Loan Number XXXX. I always pay on time, before the XXXX of each month. Recently, I have been charged a " convenience fee '' if payment is made between the XXXX and the XXXX of the month the payment is due, despite its timely payment for the month. 

I believe that this is an illegal fee. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I currently have a Barclay 's Advantage Aviator MasterCard XXXX. I contacted them on XX/XX/2020 to submit a billing dispute for services I did not receive from XXXX XXXX. The two charges occurred on XX/XX/2020 and were in the amounts of {$960.00} and {$30.00}, respectively. Despite repeated phone calls to Barclay 's at XXXX, they did not credit my account while the dispute was in process, nor did they send any written correspondence to me as is typical with credit card companies. They also transfer me to different departments or to a person who I can tell is situated in another country ( confirmed as XXXX ) and will not provide their full name for me to document who I spoke with. Additionally, Barclay 's is taking over 10 business days to process ANY credits from ANY merchant. On the other hand, Barclay 's rapidly processes charges. I believe they are not complying with the Fair Credit Billing Act.

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 2020-12-14 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
RE : REMOVE INACCURATE CREDIT INFORMATION I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 



XXXX Inquiry date : XX/XX/2019 XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/2019 XXXX XXXX Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  XXXX  Inquiry date : XX/XX/2019 XXXX XXXX XXXX Inquiry date : XX/XX/2019 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 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
[ XXXX2020 ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : X- This revocation applies to any and all future debits. Sincerely, 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 explanation
Consumer complaint received 2020-12-14 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX. I added a XXXX $ gap insurance policy from XXXX with 72 month financing with TD Bank. When I tried to get a refund for the policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, told me that they sent a check to XXXX XXXX XXXX for the refund. 

I contacted XXXX XXXX XXXX several times about a refund before being given an answer. Today I talked with XXXX XXXX at XXXX XXXX XXXX and she said " I think I sent the check to you in the mail, let me check '' then came back and said " TD auto finance should issue you a refund, they charge us for gap insurance ''. 

So I called T.D. auto finance and talked with someone who explained that the gap insurance is part of the payoff amount. I have not been shown any record of the gap insurance being credited to my account and the amount financed at XXXX XXXX XXXX included the gap insurance as part of the amount finance. 

Further, I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX and also financed with T.D. Auto. I purchased a XXXX $ gap insurance policy for the XXXX XXXX and financed XXXX XXXX I've made one payment of XXXX XXXX On my online T.D auto account the payoff quote I'm given for the XXXX XXXX is XXXX XXXX This obviously does not include a XXXX $ gap insurance credit like they are claiming my XXXX XXXX account did. 

What I've gathered from talking to these three companies is that I paid XXXX XXXX XXXX XXXX $ for gap insurance that is refundable but that refund goes directly to XXXX XXXX XXXX. My account was supposedly credited XXXX $ for the unused policy in my payoff quote, but there is not a tangible record of that happening and seemingly the only entity receiving a refund for the gap insurance is XXXX XXXX XXXX. Had I known that the gap insurance policy wasn't actually refundable to me I would not have purchased it in the first place on either of these vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
XX/XX/2017 I had a procedure done at XXXX XXXX Hospital. At that time, I was under XXXX 's financial assistance program and everything was covered 100 %. 

The amount XXXX XXXX claims I owe is {$710.00}. I have contacted them a few times and I have provided a letter to them showing XXXX XXXX paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
Good morning, I submitted a complaint for a number of violations conducted by Avid acceptance located in Utah. A car loan financing company that charges excessive fees, excessive interest rates, commit predatory lending and promote deceitful advertising as well as harassment over the phone. I have not received any notification from you as of yet with potential solutions and steps to take or advise on how to proceed with the scam or scams perpetrated by this institution. I am aware of the preference of some companies to communicate via emails or text messages. As a courtesy and due to the pandemic I am communicating again asking for your assistance. My assistance requirements are no to peddle money or get free anything. My desire and mission is to bring scoundrels like these to a higher authority so they stop their horrible and misleading practices against me and perhaps against other victims. If at all possible I would like to get an update of my previous complaint on the same subject. My information can be found under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX My email address is XXXX Thank you in advance and please stay safe.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Attempted to remove / lift freeze from my Experian consumer profile. There is an automated telephonic system that purports to conduct the transaction but then at the end relays that it is unable to complete the transaction without a significant amount of mail - in documentation. I attempted to complete this process several times in several ways using the website. I then attempted to contact a live representative via phone and each time, the automated system will not give you a path to a representative. It is unclear to consumers such as myself what the status is of my request. When completed online, it states that it was processed but then a screen comes up and says it was unable to process the transaction and appears to ask for information related to the request of a credit report. It is confusing and deceptive and makes me wonder whether paid users of Experian 's service have the same issue. I was never able to reach a live representative at Experian to resolve this matter or even express any concern ( despite considerable searching on the website for contact information and calling various numbers ).

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 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: AL

Complaint narrative:
Three letters sent by fax and USPS to AWA Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and the account is still being reported as of XX/XX/14. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!

Company response to consumer: Closed with explanation