vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
KIA Motor Finance refuses to give me my insurance settlement. I negotiated a 36 month XXXX mile lease at my local dealership. I agreed and signed a contract that verifies this. Additionally the contract has a buyout amount of {$12000.00} plus fees. ( {$14000.00} ). My vehicle was hit while parked in the 33rd month of my lease, I continued to make the remainder of my lease payments while my insurance company figured out what to do with the vehicle. The vehicle was a total loss and I negotiated a value with MY insurance company of {$23000.00}. My insurance company sent this money to KIA Motor Finance after they told me they were waiting for a Letter of Guarantee from KIA Motor Finance. I made my last 36th month payment and also included the buyout amount with taxes and fees. This check totaled {$14.00}, XXXX. In summary I followed my lease contract to the letter. I did not approve or authorize many of the steps that the insurance company did, and I certainly did not agree to anything KIA Motor Finance is attempting to do. The vehicle was removed from the collision shop without my knowledge and auctioned off. 
A manager at KIA Motor Finance told me that since he received the insurance check first, he was returning my Buyout check. NO KIA Motor Finance cashed my Buyout check days after receiving it. They accepted my payment in full! 
I do not approve of this!

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 2021-12-29 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: GA

Complaint narrative:
All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXXXXXX XXXX  XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX keeps trying to debit my account with Bank of America snd my account is constantly being hit by fraudulent charges that BOA credits and then reverses. They are not in my side and have gouged me financially with multiple overburdening overdraft charges. I called them several times to be met with brick walls what they are doing has to be unlawful

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 2021-12-29 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: CA

Complaint narrative:
Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX  report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as XXXX XXXX Due to this fraudulent information being Furnished onto my consumer 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I have already contacted Mariner Finance about this fraudulent inquiry. I have recorded phone conversation promising that the fraudulent inquiry would be removed. They still haven't removed the inquiry. I was recommended to place a security/fraud alert on my credit file which I have already done. Mariner Finance must remove this inquiry because I didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Today I received email and text message for a credit card from Navy Federal Credit Union demanding payment for amounts already satisfactory satisfied. After noticing of the Billing error Navy Federal continues to collect the amounts in question. They have only ignored my request for more documentation as outlined by law. I feel that they are attempting to role over me and continue to hurt my credit worthiness. I regret ever doing business with this organization. To this date I have received no evidence that the amounts they are demanding have not already been satisfied. Without the accounting for the amount claimed. Every credit and debit on this account is in question due to the lack of compliance regarding the initial billing error of {$2000.00}. All documentation as outline in internal revenue manual is warranted to ensure no other amounts, credits, debits, or credit insurance has been negligently look over. Please submit the evidence you have regarding this accounting. Please refrain from any adverse action on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: UT

Complaint narrative:
XXXX XXXX with MAC credit collection agency says he is collecting on a debt from 2013- which was paid off. He is contacting EVERY one of my family members and calling me and them EVERYDAY. I have searched the phone number hes calling from and its verified fraud/scam. He says hes suing me and taking me to court. Barely speaks XXXX and is harassing me and my entire family.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
Weekly voice mails from AMCOL ( XXXX ) XXXX asking me to call about owed debt. Returned call and will not identify what debt, which organization, service or goods. Told do not call again, but still receive robocalls. First call back to them I asked them to send me copy of this supposed bill. Will not do it. Wanting Date of Birth, SSN, etc. They should have my address and I gave them my email address to send this debt info. They certainly have my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
XXXX hired XXXX XXXX XXXX to collect on prior debt that does not belong to me. This is the 3rd time that XXXX has attempted to collect the debt. Each time the debt has been removed. Under the FCRA this is a continued violation that XXXX, XXXX, XXXX, and XXXX are executing against me. 

Attached is proof of removal/deletion of this prior debt from the previous debt collector that XXXX hired XXXX 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Unauthorized payments were made on my cashapp account. I was scammed and they got access to my cashapp and they sent large funds to two accounts. I delete the app and my account to stop them from hacking my accounts. I went through cashapp support chat and Ive called a ton of times to tell them to cancel those transactions. I tried on the XXXX and almost everyday since then but have had no luck. They asked for some information to prove my identity through the app and they said they cant do anything since the account was closed. I am trying to get that money refunded so I can pay off a debt to the bank and they are practically refusing to help me. I cant chat or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I AM APPEALING ALL OF THESE ACTIONS AND BY THE RULES, I WILL NOT BE ABLE TO GIVE ANY ANSWER TO THEIR FILING. IF MY APPEAL IS REFUSED THEN WE WILL LOOSE OUR HOME. EVICTION OF THE XXXX XXXX IS AS FAR AS I HAVE READ AN ILLEGAL AND IMMORAL ACT THAT SHOULD BE ORDERED BY THE COURT AS NO CONTEST AND THE SUIT BE DROPPED. ANY HELP THAT CFPB CAN HELP US WITH WOULD BE OF GREAT APPRECIATION AND BASICALLY SVING OUR HOME AND OUR LIIVES. PLEASE CONTACT ME ASAP AND LET US KNOW IF WE HAVE A CHANCE OF STAING IN OUR HOME TO SHOW THESE MORTGAGE BUTCHERS THE RIGHT TO DO BUSINESS. AND THAT AN OLD COUNTRY BOY AND HIS WIFE AINT GON NA GIVE UP SO EASILY, BECAUSE MY XXXX GRADE MATH SKILLS BEATS OUT THEIR XXXX GRADE MATH IN THIS XXXX SINCERELY,. XXXX AND XXXX XXXX CELL PHONE XXXX HOME XXXX XXXX OTHER CELL PHONE XXXX PS,, THE FIRSTCOMPLAINT GIVEN TO THEM OF THEIR MISTAKE AND DEFAULT WAS TOTALLY IGNORE BY THEM ONCE THE CFPB HAD CONTACTED THEM. PLEASE DO SO AGAIN AND SEE IF THEY CAN DO THE RIGHT THING AND STOP THE CONTINUE OF THIS FORECLOSURE AND GIVE UP THE DEED

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 2021-12-29 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: Kikoff Inc.
State: PA

Complaint narrative:
I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity.

According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Water bill for city of XXXX was was unpaid as we were moving from XXXX to XXXX and account was referred to Ability Recovery. Bill was paid in full to City of XXXX but agency keeps trying to recover fees from me. Threatened to report me to credit bureau and hung up on me. Collector gave her name as 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 2021-12-29 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Experian credit report for inaccuracies and for Experian to send me an updated credit report. Experian has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.

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 2021-12-29 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: TX

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2021-12-29 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: TX

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: MO

Complaint narrative:
North American Recovery keep calling me without identifying themselves. They were threating me. After I informed them that it was not my debt they failed to provide any paperwork within 5 days or prove their the ownership of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Ive met this person on XXXX, his name was XXXX XXXX, a false name I guess, divorced, XXXX years old and had a boy called XXXX. He told me he worked as a doctor for the XXXX XXXX in XXXX. After gaining confidence, we started to chat via XXXX. hIis telephone number is XXXX XXXX XXXX as seen in XXXX. 
He explained that his vacation was comming up and that he needed money to finance his flight ticket to get home, money that he would hand to the XXXX flight Agent to arrange his flight. He mention this because of him being at a war zone his bank account was blocked. He was very charming, telling me how beautiful I was, lovely, caring... and as we carried on chatting I eventually fell for the scam as a fool. On the XXXX of XX/XX/2021 I sent a transfer from my account in XXXX from XXXX XXXX XXXX to an account at Wells Fargo National Asociation on XXXX XXXX, XXXX XXXX, CA XXXX. The details are as follows : Amount : XXXX USD I have taken action on the XXXX XXXX ; I have gone to my Spanish Bank and forwarded the material I gathered so that they could pass the information to their International Department.I have also visit the website of Wells Fargo Bank and reported the scam online with the details of the transactiion : account number, enrouting number, name and address of beneficiary. Next, I visited the website of the ReportFraud.ftc. gov ( Federal Trade Commission ) and wrote my report to the FTC. Now, Im placing a complaint at the ConsumerFinance.Gov in the hope to recovering my money. 

After the transfer wire he informed me that the XXXX XXXX had to return his vacation funds so that i had to get involved as a beneficiary in order to use my XXXX bank account to receive his funds there because of him being at a war zone and having his account blocked. He decided that I should contact his barrister to lead me troughout the process. I actually havent done that because I think he wants to steal every singel penny left in my bank account.

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 2021-12-29 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: CA

Complaint narrative:
Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX  report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as Extreme damages Due to this fraudulent information being Furnished onto my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: CA

Complaint narrative:
Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as Extreme damages Due to this fraudulent information being Furnished onto my consumer 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Unisa, Inc
State: GA

Complaint narrative:
I called the debt creditor and they told me they outsourced my account to a third party. However, XXXX XXXX is the third party. I called the company XXXXthey outsourced, they said they could record the call but if I recorded the call they would hang up. They wouldnt give me a legitimate website or account details via mail. They demanded a $ XXXX settlement from $ XXXX. But couldnt give me a secure way to pay.

Company response to consumer: Closed with explanation