vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
We leased a new XXXX XXXX in XXXX of XXXX ( XXXX model year ) through KMF ( Hyundai Motor Finance/Kia Motor Finance same company I think ) lease ended 38 months later in XXXX. Upon lease end we sent in remaining balance to purchase the car outright off lease as well as odometer disclosure to KMF. KMF cashed the check. We were under the assumption that we had the title in hand up until XX/XX/XXXX when we started thinking of selling the vehicle that we owned outright. Upon looking for the title we found we only had a copy of the title in our file. I first contacted the DMV in Wisconsin as I assumed we must have lost the original. The DMV informed me their was still an KMF lien/name on my title and they could not get me a duplicate. ( XX/XX/XXXX ) Same day called KMF and they said, yes we actually have your title but you never sent us an odometer disclosure. ( untrue, and even so don't you think they would call us since they had no problem cashing the check ) So we jumped through all the hoops to send in another odometer disclosure and waited a week. Called several times and they say they never received it. Then literally while I was on the phone calling days later the agent showed that they had received it by some miracle just as I was talking with them. Said it would take a few days to process and release the title. Waited a week and called again. They claimed it was still processing and to try again a week later. Called on XX/XX/XXXX and they said they just released it and mailed it and to give it 7 days or so since it mailed from Georgia ( no tracking of course ). They also repeated the address that they sent it to and it was correct. Called again XX/XX/XXXX and they said again that it was mailed out and there was nothing they could do. No tracking, no nothing but they could escalate my claim via an email to their title department. ( they have done this several times already ) So that has prompted me to go online and see if anyone else has had this problem. To my astonishment their are pages of claims that KMF has done this to them. Some people waiting months to get titles ( and dealing with the same smug scripted responses from the KMF call center people with no way to get anything accomplished except " we will send an email '' ) As of today XX/XX/XXXX I still don't have a title for my vehicle we paid them for almost 4 years ago. This has gotten ridiculous and now after reading the dozens of people having the same problem during the same time period I see that I will have to resort to some other way of getting what is mine in a timely manner.

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 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TX

Complaint narrative:
I have been trying to work with Pennsylvania Higher Education Assistance Agency to review qualifying payments that they are not counting toward PSLF. They have said that they are under review for over a year, with no resolution. I have made every payment since the disbursement of the Direct Loan in XX/XX/XXXX. However, they are currently excluding 18 payments for which I have not received credit toward PSLF for the following month/years. XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX. I made payments dating back to XXXX while being employed with a qualifying employer, but was not informed that I was under the wrong type of loan until XX/XX/XXXX at which point they were consolidated into a direct loan. I have been employed with qualifying employers since XX/XX/XXXX. I am escalating this because I am approaching 120 payments that have been counted and if the 18 payments are included, I would qualify for forgiveness in XX/XX/XXXX. It is reprehensible the way individuals who have dedicated themselves to public service have been misled, misrepresented and generally treated by PHEAA. I am beyond pleased that they are terminating their contract. I only hope that another equally dishonest and incompetent servicer does not replace them. Thank you and I hope you are able to help me and the thousands of borrowers that have held up their side of the agreement, but have been taken advantage of by PHEEA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, as a Consumer and Natural Person, requested my Consumer Report from XXXX, Equifax, and XXXX by letter on XX/XX/2021. They all responded that the alleged bankruptcy was Verified as Accurate. As a result, I launched my own investigation for the removal of an alleged bankruptcy being reported on my consumer report by contacting XXXX as they were the initial violators of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX was unable to verify the accuracy of bankruptcy case number XXXX and it has been removed. Please see my letters to Equifax, XXXX, and XXXX with my supporting evidence that they are also in violation of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The reference of the alleged bankruptcy XXXX follows : XXXX - ID # XXXX : XXXX ID # XXXX : Equifax ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo exposed myself to fraud and are refusing to answer my questions. Instead they sent me this stupid letter denying any responsibility, even though they are the ones who opened the account unauthorized. They claim I should have the welcome package that never came to my address. They are holding me responsible for the account even though I am not the one who opened it. I want to know what address the welcome package was sent to.

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 monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX i received a text stating that there as fraud activity on my bank account then received a call from what showed as td bank number and then person said to accept text to reverse the transactions and which they gained assess to my account and XXXX {$2300.00} by using XXXX  and td bank refuses to give me my money back. And there is supposed be $ XXXX  day limit using XXXX and they were able take {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I walked into work this morning as " Ms. XXXX '' was on the phone with my boss, to try to do an " employment verification '' because I had not returned her calls. I had not returned her calls because she was supposed to send me proof of a debt that she was calling repeatedly about. " Ms. XXXX '' from XXXX XXXX XXXX XXXX called me at work and stated that I had an outstanding debt from XXXX  and offered to settle. She would not give me her first name, furthermore, I told her I needed proof of the debt as my identity had been stolen. I asked her to physically mail me proof and she said with the mail system it would be better to email me. I complied stupidly, however stated that she emailed me as well as her XXXX, but I was on the phone with her as I looked for the email and I told her it wasn't there or in my junk email. I searched by name and date. 

I told her then that I would be happy to discuss this further once I got proof of the debt and she became aggressive telling me the phone calls would not stop. She said the identity theft was between me and my attorney, and I told her he would be happy to speak with her. I then asked for her address and she would not give it to me. I told her to cease calling me at work and she said no that the calls will continue. I have found their address online and if I hear from " Ms. XXXX '' again I will be pursuing further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
XXXX knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about 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 2021-09-27 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: NY

Complaint narrative:
XXXX knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about 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 non-monetary relief
Consumer complaint received 2021-09-27 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: AL

Complaint narrative:
i have disputed with equifax by mail several times about the 12 inquiries on my report i also disputed on equifax website. i called and spoke with the fraud department also these are not my inquiries and i want them removed. Also there is a XXXX XXXX XXXX on my equifax report that is inaccurate along with another one called XXXX XXXX XXXX both are inaccurate there not even on the other credit bureaus due to inaccurate reporting i want them removed open and close dates are wrong, amonuts are wrong i want this removed! i have also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring oak capital has an account on my credit report. That is not mine. I do not have any signed contract or agreement to pay this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 14 SANTANDER CONSUMER USA INC ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint- XXXX Continued : Thank you for the referral to XXXX XXXX XXXX XXXX In addition thank you for holding Wells Fargo accounatble . 

More complaints : 1. 
Mr XXXX XXXX can be reached at : New Construction Specialist NMLSR ID XXXX Office : XXXX Fax : XXXX Mobile : XXXX He answered his mobile number. The loan that I started with WF is fruedulence from inception. Please address the issue with Mr. XXXX and provide recourse for the loan etc. 

2. 
I was in the action of restructuring my loan when the $ XXXX determination by CFPB was innitiated. Let the record show that I spoke to at least 6 employees of WF. No mention was made to the agreement of compensation to consumers. My losses from the restructure was coarsed and I suffered financial loss. 

3. The initial loan was on a loan to value balance that was not justifiable, and should not have been initiated. The stated appraisal value is not correct. I was forced to close. 

4. Please assist in providing a path to monetary compensation from Wells Fargo as delineated in the arrangement made by CFPB and Wells Fargo. 

Thank you, 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 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I disputed a charge with my credit card company Capitol One for a prepaid package of services that I never redeemed. I filed the complaint in XX/XX/XXXX and uploaded the records to the link provided. In the new year I received a letter requesting additional information I faxed all the records I had including the email receipts, the text thread from my phone and a statement explaining the details of the dispute. Capitol One placed the burden of providing proof solely on me which I did provide on two separate times ( uploaded & faxed ). Capitol One never required the vendor to provide proof the services were provided, they never even contacted the vendor. 
Capital One never placed the burden of proof on the vendor. I provided compelling information with dates and emails from the vendor demonstrating she cancelled and reschedule services without providing options to reschedule. I'm requesting Capital One refund the full amount of {$440.00}. 
XX/XX/XXXX after using the last XXXX  from a previous package I had purchased I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX  of 3 from XXXX by XXXX XXXX. I scheduled an appointment for XX/XX/XXXX and XX/XX/XXXX I received an appointment cancellation notification. On XX/XX/XXXX I scheduled a facial for XX/XX/XXXX. I received an notification on XX/XX/XXXX that my appointment was rescheduled. I then received subsequent emails about the XX/XX/XXXX appointment being rescheduled and the postponed reopening. I didn't receive any further emails regarding updates on the reopening or how to redeem my services or redeeming the pre-paid money for the services. XXXX, the vendor and would text occasionally and I would ask when I could reschedule and I even offered to connect her with a commercial realtor to help find a location. On XX/XX/XXXX I text her about my prepaid services and how to reconcile, XXXX never responded to my text. I spoke to the owner of the spa studio XXXX rented from. XXXX XXXX informed me XXXX owed her several months of rent and many of her other clients came looking for XXXX too. 
**As of XX/XX/XXXX I received a response from XXXX by XXXX XXXX on XXXX and she indicated she is currently working. Please see the XXXX XXXX attachment. 
( The former spa studio that XXXX by XXXX XXXX owes ) : XXXX XXXX XXXX : XXXX Email : XXXX Last contact for XXXX by XXXX XXXX XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with Bank of America twice, regarding blatant fraudulent activity that occurred on my dads trust account that I recently opened, as the trustee. The initial time that I filed, I simply told them what occurred. The second time, I spoke directly to a manager and had him send it through. After it being rejected a second time, I had to take approximately 15 hours total out of my own personal time to basically do the claim workers job. I contacted each of the merchants where the transactions occurred and several of them agreed and had found prior to speaking with me that the transaction ( s ) were in fact fraudulent. Including a hotel manager who provided me with a personal statement that the criminal was in her hotel with a card, with my debit card number on it, the card had a mans name on it. She also said that he was in the hotel for a couple of days and trashed the place. I am a woman and I do not reside in Florida where the transaction occurred. I live in XXXX XXXX. Several of the transactions occurred out of state and even internationally. I find it utterly unfortunate that instead of protecting their clients, Bank of America has resorted to treating me as if I am the criminal. They had placed me in a position not once or twice, but three times. Bank of America personnel was supposed to take the time, just as I did to contact each of the merchants, and they clearly did not. Please view further information via my personal statement and police report filed. Please note : that one of bank of America 's reason for denial was that the trust account was not drained, and it clearly was, with about approximately {$4.00} left on the account after all the activity occurred. During the initial report, I was given inaccurate information also by one of the reps with regards to a certain transaction and its amount. The whole process has been an absolute nightmare for me and I will not stop until Bank of America does their job to treat me as though I am actually their client and not that of a criminal.

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 monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XXXX of 2021 I reviewed a copy of my credit report and noticed a collections reporting on from XXXX claiming I owe them an outstanding debt. I don't believe this account belongs to me and so I reached out to them on several occasions for validation on this account to which they have yet to send me any of the validation I requisition including the method of validation, signed contract for the good and services to which they claimed I owe. They sent a letter to me informing me that in order to get the signed copy of the contract I would need to subpoena sent to their legal department.

Company response to consumer: Closed with explanation