vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I leased a Hyundai XXXX and turned it in early because I had a new baby and the vehicle has very limited cargo space. I turned it into a local dealer for a larger vehicle in early XX/XX/2021. Hyundai Motor Finance serviced this lease and I was enrolled in XXXX. On XX/XX/2021, Hyundai Motor Finance took a lease payment out of my account for {$390.00}, although I had already turned in my former car nearly XXXX weeks prior. I called them and they indicated they hadn't received the buy out information from the dealer, but I would get a refund within a month or so. I never received this, so called them back. This began a huge runaround with them for the last 4 months in which there is never any movement on my refund. They indicate that nobody from payments can call or email me and can not give me any timeline for my refund. I have to continuously call them for any updates, but nothing ever changes. They acknowledge they owe me the money, but I am left waiting for months. I really do not know what to do, there is no accountability and nobody will contact me with any updates.

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 2021-10-05 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: VT

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting 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 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with SANTANDER USA , INC finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal.

I tried to send my affidavit of truth with evidence, cease and desist, and notarized Jurat to SANTANDER USA , INC using the address that was provided, but it was returned due to an invalid address. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with SANTANDER USA , INC. I am demanding a remedy of this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am unable to see dispute results on Experian 's website and I am also unable to get my credit report on Annual 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 2021-10-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$79.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$8300.00} XXXX XXXX Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
The company is straight up harassing me. I had already received a letter that they turned me over to a collections agency. Then they call me at work, on my cell phone. They even showed up at my house to drop off a letter. I understand the phone calls on my cell phone. But calling my job and also showing up at my house is where I draw the line. That has pushed it past where it needs to be

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have been disputing incorrect accounts that is reporting on my credit file, since XXXX 2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.

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 2021-10-05 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:
I have attached a picture from my credit report and it is incorrectly reporting a 60 day late payment to Experian and on the same month XXXX and XXXX are current. This needs to be fixed

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 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
on XX/XX/2021 at XXXXpm eastern time, I received multiple emails to one of my accounts, XXXX, from wells fargo telling me my account had been successfully created. Basically a welcome package. I immediately called their fraud department and opened a claim, however their weak anti fraud practices made it impossible to take any actual action against the account since it was " after hours ''. 

One major factor in allowing this to happen was a lack of basic security protocols. They let someone use my email address to open an account without ANY email verification at all. You can't download free software without confirming your email address, yet Wells Fargo just accepts any email with no questions asked. The fraudster had no access to that account, the logs show nobody other than myself had accessed that account. There was no " confirm your email address '' email ahead of the several welcome emails, and within 7 minutes the address was changed to a gmail address. Again this raised no red flags internally, Wells Fargo ignored yet another crucial action that had fraud written all over it. 

Only today did I get a call from somebody in the executive office, telling my case should be closed out by the XXXX of XXXX, and that the 2 accounts in my name had been frozen. I told the person who called, that this could have been avoided with a basic security 101 action of confirming the email address used to create the account, that comment was met with silence, then she just started to read from a script again, seeming unaware of what address was actually used to set up the account. This is a huge security hole and pretty much turns wells fargo into a massive identity fraud factory.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Ditech is attempting a Sherriff 's sale and fraudulent foreclosure with XXXX XXXX XXXX ( no affiliation with this loan ) and a XXXX XXXX ( no affiliation to this property ) as defendants in a fraudulent foreclosure on a property they no longer service. How?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
CREDIT COLLECTION SERVIC at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX has been sending me collection notices in the amount of $ {$440.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: MS

Complaint narrative:
AVANTE USA at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$980.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This account is on my credit report and is not my debt. I have never been contacted in any way by this company regarding this debt and would like it permanently removed off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am a XXXX  eligible for public service loan forgiveness and have approximately 14 payments over now 9 years that are not eligible to count towards the 120 payments due to administrative forebearance during which time the program was processing my income verification almost annually. I have been informed that these payments may be eligible if the loan services will allow me to make the payments retroactively that should have been due during those times. Fedloan agents have told me this is not an option. How do I determine my rights related to those payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-10-05 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: SC

Complaint narrative:
I have been disputing incorrect accounts that is reporting on my credit file, since XX/XX/2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.

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 2021-10-05 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: SC

Complaint narrative:
I have been disputing incorrect accounts that is reporting on my credit file, since XX/XX/2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
On approximately XX/XX/XXXX, I refinanced my student loans. My loans were previously serviced by UAS ( https : //www.uasconnect.com/ ). 

The new lender made a larger payment than the balance on my loans to UAS. Therefore, UAS is supposed to refund the overpayment back to the new lender. 

However, they did not make any such payment and quietly updated the balance on my account from a negative number ( reflecting the overpayment ) to zero ( suggesting that they did not owe me/ the new lender anything ). 

I called UAS and they claim to have sent out the funds. I called the new lender and they said that they have not received anything. I called back UAS and they said that they have to do " research '' for an extended period of time. 

After that extended period of time ( 15 days to 1 month, can't remember exactly as I had marked it on my calendar ), I called up UAS. UAS claims once again that they sent the check ( again ) on XX/XX/XXXX. 

I spoke with the new lender again. Once again, the new lender has not received the check. 

The new lender is being very cooperative and transparent but UAS is not providing any information. UAS is unable to provide any proof of sending the check. They are not able to provide the mailing address to which they sent the check. They are not able to provide the check number. They do not have any tracking number either. They keep changing the information when called. They now claim that it takes 30 days for the check to go via USPS. I've never heard of anything taking 30 days via USPS and I am increasingly suspicious that they haven't actually sent the check and are simply trying to pocket the money and hoping that I will forget. 

In summary, I am losing money over UAS failing to send the refund check. It has been more than 6 months since I have refinanced my loans. I am not sure what the next best steps are. If this path ( a complaint to CFPB ) is unable to result in a successful resolution, then I'm thinking I file a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Tried to redeem rewards from Barclay XXXX credit card via bank transfer to checking account. Got message " Ooops, that wasn't supposed to happen. Please try again. '' three times when pushing REDEEM button. On fourth try, got message about exceeding max numbers of transfers for a day. Can not get through to customer service as they are overwhelmed with problems due to XXXX credit card fiasco. We had been locked out of our card for 10 days until this morning when we finally could activate the card via automated activation on phone. All we want to do is to clear our rewards points, pay off owed balance and cancel card.

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