vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 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: TX

Complaint narrative:
Personal Statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/21 I applied for credit at a furniture store that used American First Finance for financing. The items as advertised by the store online and in store totaled {$600.00}. I was informed by the salesman that it was a weekly payment program, there was a {$50.00} loan origination fee and that I had the OPTION to pay off the loan in full before XXXX days. After XXXX days there was " additional fees '' but did not go into detail on how much those fees were. I was told the payments would continue until the merchandise was paid off. I was told I would receive a copy of my credit application and contract by e-mail ( I never did ) and that payments would begin weekly on XX/XX/21. When I picked up the merchandise I was only provided a receipt that showed a price of {$600.00}. All weekly payments were withdrawn automatically from my bank account beginning XX/XX/21. On XX/XX/21 I received an e-mail that another payment had been withdrawn. At this point, a total of {$730.00} had been withdrawn. That seemed sufficient enough to pay off the {$600.00}, the {$50.00} loan origination fee and any sales tax. I logged in to my XXXX account ( Account XXXX ) to see what the balance was as I expected some " additional fees '' and to my surprise the account showed a balance of {$490.00}. I quickly got in touch with customer service to inquire why this amount was so large and was told that since I did not exercise the early payoff option, my payments would continue weekly until I satisfied the entire {$490.00} balance or I could pay the {$490.00} in full today. I requested a copy of the contract and did receive it this time. This contract reflected that the total of my merchandise was $ XXXX. A nearly XXXX  % increase of what I was originally informed of. When I explained this to customer service, I was informed that they could " settle my balance '' for {$350.00}. When I stated that was still way too much, they came back and offered a {$300.00} " settlement '' that would be due in XXXX days, at which point my account would be closed out. I do not agree with this shady bait and switch practice of a store informing a customer their balance is one price and once American First Finance has the customer 's financial information, the actual price of over XXXX XXXX more is then revealed. I have decent credit and had I used a credit card instead, I would have not paid anywhere near XXXX XXXX in interest. I trusted that this store ( which was previously XXXX ), offered financing that was in line with other installment furniture loans I have had in the past. American First Finance is a highly disappointing company and I will never finance any item with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/2021 I made a online purchase from a company via XXXX for the amount of {$780.00}. The company was in constant communication with me until I made the purchase. On XX/XX/2021 the company stated that the received my payment and that the items would ship out soon. 

The items never shipped out I reached out to the company about getting an update on the shipping on XX/XX/2021, XXXX and XX/XX/2021 all messages were time stamped and read by the company but no response. 

I asked via email on XX/XX/2021 for the company to issue me a refund for the payment as I no longer wanted the items. The company failed to respond On XX/XX/2021 I filed a dispute with my bank stating that the goods were never received and I was asked by the bank to send in all documentation. 
I sent in the following documentation to the bank to handle the dispute 1. Emails requesting a refund from the merchant, Emails following up with the company asking about the shipping status and no response from the company. 
2. Emailed social media conversations where the company advised on XX/XX/2021 that I needed to come to XXXX XXXX to pick up my purchase when I paid for shipping. 
3. Social media conversation where the company refused to issue me a refund and that I needed to work with my bank on the dispute process. 
4. Complaint with the Texas Attorney General about this company that I not a registered business in the state of Texas. 
5. Complaint with the FTC against this company stating that when you are a victim of fraud that your bank is required to do a charge back to protect the consumer against fraud. 

On XX/XX/2021 the bank stated they denied my dispute because they reached out to the merchant and the billing and shipping information matched, and I need to reach out to the merchant for a refund. There is no way that the bank even investigated my dispute because the address that is on my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The address that I provided to the merchant for shipping is my new address XXXX XXXX XXXX XXXX, XXXX XXXX. So the statement made by the bank is false and misleading. 

I have reached out to this company several times asking for a refund and the merchant has failed to issue a refund. Clearly because the company is attempting to defraud me and the bank is allowing this company to defraud me. 

I have asked the bank to reopen my case and send me my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I found out my online saving account transferred out XXXX, XXXX dollars to unknown place without notification on XX/XX/XXXX The transaction happens on XX/XX/XXXX Found out XXXX days later Called HSBC bank, they told me it is through online wire transfer I dont even know how to use this function

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent information dated XX/XX/2021 into XXXX and nothing has been done nor have I received any information regarding the dispute of the information on my Credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I tried to dispute this exwuifax they refuse to my dispute on XXXX XXXX 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion furnaced information on my credit report incorrectly. I reached out and disputed items and they updated the report to information that was correct regarding employer and late payments. Transunion had and Incorrect employer. They also had a late payment reflecting with credit one that was incorrect and in violation of reporting regulations.

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 2021-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My car was repossessed and capital one auto told me if I paid XXXX cash when I got the car put that they would forgive the remaining balance and the car would be paid off and loan would be final. I did just that and now they are still charging me for the rest of the loan. I called and the manager said even if they told me that that no conversation would be worth XXXX. I wouldn't have paid XXXX if I would have known they weren't going to forgive the remaining balance so now the car will be up for repo again bc I haven't paid any payments since paying the XXXX. This happened in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal Inc intends to make valid an electronic transaction for {$XXXX} paid to XXXX XXXX which has been disputed, cancelled and still after almost 3 months denies the possibility to XXXX XXXX to refund such money owed through the same means ( PayPal ) which was made to make such purchase alleging that PayPal Credit has not cancelled such dispute and therefore notified PayPal Inc impeding the whole refund transaction to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services
State: NY

Complaint narrative:
I RECEIVED A LETTER IN THE MAIL PERTAINING TO A RENTAL COMPANY CALLED XXXX. DOESNT SHOW DATES OR AMOUNTS OWED OR MEMBER NUMBER. IDOTN EVEN OWN A MEMBERSHIP WITH THIS COMPANY AT ALL. BUT I DO RECALL MY INFORMATION STOLEN BY XXXX XXXX PATIENT. I DID REPORT INFORMATION STOLEN AT THAT TIME AND GOT REPLACEMENT OF ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
PayPal Credit XXXX Synchrony Bank ) refuses to communicate to PayPal that a dispute with XXXX XXXX has been cancelled due to the fact that XXXX XXXX has agreed to refund the amount for {$XXXX} as long as there is no dispute open either on PayPal Credit or in PayPal. And PayPal Credit alleges that they have no relationship with PayPal even though they act as sole beneficiaries of the interest charged on monies owed so it is in their best interest not to proceed with due diligence and charge customers for monies and interests that not owed.

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 2021-11-27 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: PA

Complaint narrative:
Equifax was reporting a negative late payment on my consumer credit report. I disputed this item and it was updated and removed. The late payment shown on there was a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ACI Worldwide, Corp.
State: AR

Complaint narrative:
XXXX sold thier express pay business in 2019 to aci, aci has furnish everything but money tranfer numbers to finish claims at XXXX for {$XXXX}. see atttached pay us {$XXXX} to face litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: High Mountain Funding Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I place a phone call to a collection agency known as : High Mountain Funding Inc . 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, Etc. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, High Mountain Funding Inc, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX is reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - High Mountain Funding Inc reported XX/XX/XXXX on my XXXX Credit Report XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : Open. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular collection agency that warrant this complaint for their unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have not received my overpayment refund from Ally. I refinanced my car back on XX/XX/XXXX with XXXX, they paid off my loan with Ally a week later. On XX/XX/XXXX, I canceled the extended warranty with the dealer and they sent my refund to Ally since they were my original finance company. On XX/XX/XXXX, I was able to confirm that the check was received by Ally ( based on the dealer the check was received and cleared ). I have called Ally several times regarding my overpayment refund ( extended warranty refund ) during the last couple of months and I still have not received it, it has been almost XXXX months since the loan was paid off with Ally and they should not hold my overpayment refund any longer. Every time that I had called, they continue giving me different dates. I called them on XX/XX/2021, XX/XX/2021, XX/XX/2021, and twice this month at XXXX. The last update was that I was supposed to receive the check on the XXXX however I still have not received 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 2021-11-27 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: PA

Complaint narrative:
A company named XXXX XXXX is reporting an account on my EXPERIAN, XXXX AND XXXX consumer report. XXXX XXXX Code XXXX disclosures thats financial institution may not directly or through and affiliate ( EXPERIAN, XXXX, XXXX ) disclose any personal information. I did NOT give and written communication to report any such information. XXXX XXXX appendix XXXX states that a company must displace notice of reporting information ; that was not provided. XXXX XXXX code XXXX states without my consent the consumer may not communicate in connection with any debt.

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 2021-11-27 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/2021, US Bank received my completed paperwork for a Loan Modification - Partial Claim Option. On or about XX/XX/XXXX, I received a packet from US Bank with new copies of the identical documents stating that there was a problem with the original documents that I submitted. I called the lender to inquire about the problem. I was told that my signature was illegible and needed to be signed in legible cursive. I told the representative that my legal signature is on all documents submitted and that the notarized signature that is on the document is proof of such. I also asked the bank to compare my signature from the original loan to confirm its authenticity. 
I was told that they still need my signature to be in cursive and legible and that if it isn't that they will refuse to process my Loan Modification paperwork and the entire amount would become immediately due and reported to a credit agency. I also submitted my complaint via email to US Bank on XX/XX/XXXX. I received an email on XX/XX/XXXX acknowledging receipt of my email, however I have not received anything else regarding my XX/XX/XXXX email. 
US Bank has no legal right to demand that I change my signature just to make them happy. I received the bill for the full amount due in question in the mail today.

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 2021-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021, I applied for an auto refinance with XXXX XXXX. After providing my information, I was provided quotes from various lenders. I chose to work with iLending because they provided the lowest rate of all lenders ( 3.60 % APR ). I got a call from XXXX XXXX, and as we started talking about my goal for refinancing, I was told that because of my credit score range, the rate I would get was around ~ XXXX, which is higher than the rate advertised on XXXX XXXX. I proceed to tell XXXX XXXX that advertisement of rates that arent available its a deceptive practice and a UDAAP violation. XXXX XXXX then said that none of the quotes provided by XXXX XXXX  is accurate and that iLending does not have a marketing agreement with XXXX XXXX, despite XXXX XXXX clearly doing advertising work on iLendings behalf. Upon closely examining the disclosures provided on XXXX XXXX site, the following stood out : - XXXX XXXX site states you are approved, and proceeds to provide the terms of the loan approval. A reasonable consumer will have the net impression that the terms provided is for the actual loan approval, not just a quote. Yet, upon contacting the lender, the consumer is told that information on XXXX XXXX is not accurate and a different, higher rate is quoted- Under Lender Notes, XXXX XXXX site states the interest rate quoted may be dependent on the model and year of your vehicle. If you did not enter a model year, or if you finance a different vehicle, then your interest rate may change. It clearly does not state that the rate could change because of the credit score, given that XXXX XXXX already obtained the score and shared that information with iLending. Given that XXXX ) iLending knew what my credit score was XXXX ) The vehicle year and model did not change after the application, its hard to believe that XXXX could not provide an accurate quote and prevent consumers to be misled about pricing of their loans XXXX XXXX stated that the call was recorded and therefore the information provided here can be verified by listening to the phone records.

Company response to consumer: Closed with explanation