vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
There is a settlement that was reached between Santander Consumer USA and a coalition of 34 state Attorney Generals that gives relief to consumers that were directly impacted by the Defendant 's business practices. I am one of those who were directly impacted in more than one occasion. After multiple attempts to have my loan forgiven and title mailed, which is what I am entitled to under settlement terms, the only response I get is to contacts my Attorney General. I need this matter to be resolved as it is extremely unfair to consumers who trusted Santander Consumer USA in a time of need. 

XXXX XXXX Customer ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went online to my Bank of America prepaid account given to me by EDD for my unemployment and noticed that {$740.00} was fraudulently taken out of my account. It said it was an ATM withdrawal even though I didnt understand how that is possible since I had possession of my card the entire time. I immediately made a dispute with Bank of America and was told to wait 5 days for them to investigate and credit my account back. Two weeks later I called to inquire and they said they mailed me out a letter stating that they closed my card account and would not be refunding me my money since they noticed suspicious activity on my account. There has been no suspicious activity and I feel that they did not do a thorough investigation because if they had then they would not have made this decision. They have nothing to justify that my  account was fraudulent. I was even advised by them to wait until they make an investigation to make a police report so they can look at the camera at the ATM. They refuse to return my money but if they had smear footage on the ATM where money was taken they would clearly see that it is not 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 2020-10-11 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: Total Card, Inc.
State: CA

Complaint narrative:
I have tried unsuccessfully to reason and explain to TOTAL Visa that they have made a mistake with their reporting of 30 days late on my account and have gotten nowhere. I have sent in proof that my payment was made on time by sending them information via email and fax and also through the CFPB and they have refused to acknowledge their error. They have received a screenshot of when I submitted payment, bank statements proving their claim of that bank account being closed or not found as being wrong and bank statements showing Ive used that account with them in the past. I will now be sending in proof that my Credit Union never received request for payment as I also had to file a complaint with the NCUA about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a lot of letter to the bureaus such as TrnansUnion, XXXX  and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
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 explanation
Consumer complaint received 2020-10-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a lot of letter to the bureaus such as XXXX, XXXX  and Experian, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
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 explanation
Consumer complaint received 2020-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file 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 2020-10-11 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: NY

Complaint narrative:
XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file 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 2020-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file 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 2020-10-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file 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 2020-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/20 I called to file a complaint about overcharged amounts from XXXX. They placed me on hold for over 6 hours. Yesterday I finally got through to an agent in the fraud department who answered like I woke her up, was extremely rude and hung up on me. Today I held for another 6 plus hours and in the process of speaking to someone in the fraud department mid conversation I was disconnected again because it was after XXXX and that department closes at 9. You can not get through or receive a call back. I want this issue with XXXX  resolved and to close out this account and receive my State funds in another way. This is a financial institution and you can not physical go to any location or reach anyone via phone or email to resolve issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: TX

Complaint narrative:
I have sent several dispute letters and debt validation letters about these alleged Charge off Accounts. The only response is that the debt was verified, however i asked that they validate the debt pursuant 15 USC 1682g. Transunion has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. As a consumer and pursuant to 15 USC 1681n ( a ) 1b I request {$1000.00} per negative item on my consumer report that you don't have written permission to have. Pursuant to 1681a ( 2 ) a, ( 2 ) b Transunion is in violation of the following alleged items listed on my consumer report : See Attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Paid multiple debts to company. After debts were paid I never received any further communication of any other debts owed, however this company keeps impacting my credit report negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: AZ

Complaint narrative:
I have disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: AZ

Complaint narrative:
I have disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX had filed a collection on my credit profiles for service and devices which were paid in full and the device returned in good working order at one of their retail locations. I've disputed this and given details on several occasions however they have sold the debt to a collection company who refuses to remove the false claims. This has been disastrous to my life as I've been unable to refinance my home during this pandemic to provide financial relief. I've tried to contact the company directly via telephone messages and emails through their website many times and get no response at all. I'm so frustrated at this blatant fraudulent claim with no accountability and response yet I don't have the resources to sue them to remove it. Please help. 
The account is now with Credence Resource Management, XXXX, in the amount of {$2.00} XXXX, none of which is legitimate and they simply will not respond to any attempts to reach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
order placed with XXXXXXXX on XX/XX/2020. Merchandise was never received. contacted XXXX via chat XX/XX/2020 and advised Merchandise was never delivered nor signed for as stated adult signature REQUIRED. XXXX chat agent told me the driver just left it at my front door. I advised them nothing was left at my door as I have security cameras. then they advised me maybe it was misdelivered to a neighbor etc. and to check with them I declined. as that is not my responsibility and for my safety, I do not associate with any of my neighbors we do not get along. the agent said she completely understands that and asked if I would like a replacement or refund. I said a refund. they advised me they have issued me a full refund for the order. after not receiving a refund show up by XX/XX/2020 I decided to dispute the transaction with my financial institution ( Axos Bank ) Axos Advised me by email on XX/XX/2020 I will get a provisional credit for the full amount of the transaction and have use of the funds until the outcome of the investigation. within 1.5 hours of that email, I receive a second email stating they have concluded the investigation and the claim is being denied as they have found no error has occurred. I then miss a call from AxosBank within an hour of that email. I call them back and ask what is going on with the Account and transaction as I have noticed I am unable to login to online banking. I was advised by " XXXX '' that it is temporary and only will be for a few hours while they work on the disputed charge. witch sounded very sketcky with me but I said alright. However i told her the email i got said the case is close and has been denied. I requested a manager/supervisor to esclatete this case. nobody followed up with me I then sent them a email for request of the documents and how they concluded no error has occured. I got a call from axos and was advised there is no documents he called XXXX and somebody by the name of XXXX told him there is no error with the order. the product was delieverd to my house. the claim is denied. I asked for proof of any of this none was and will not be provided to me. he then told me they wiont have any documents unless they submit the chargeback to XXXX and they will not be doing that. he advised me I need to contact XXXX to correct the problem. They also at that same time ended the banking relationship with me. I have then contacted XXXX AGAIN via chat support. on XX/XX/2020 a XXXX XXXX told me XXXX did process the refund and I will be recieving it before XX/XX/2020 I am unable to verify the validity of this as AxosBank has restricted my online account access and is ignoring my requests to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I was able to get my credit report from both XXXX and XXXX. What I saw was that there was an incorrect address and phone number from both that I was able to dispute online. The experience for both was great. Equifax was an entirely different experience. I tried to create an online dispute with Equifax due to the incorrect address and phone number I saw on the other credit reports. I was unable to do so and told to call in. I tried to call. Their voice response unit ( VRU ) seemed unnecessarily complex and intended to get consumers to give up. I authenticated and was the told they were closed and they hung up on me. I then tried to request my credit report online through Equifax. I again authenticated. I was then told my credit report could not be shared online. Equifax has gone out of their way to prevent me from seeing what information they have on me. It has been my experience they are intentionally preventing me from seeing my credit report. I am sure they will say that I could fill out a paper form and send it in, but that defeats the purpose of authenticating online. For whatever reason, the experience with Equifax is significantly worse than the other bureaus. I wish I could prevent them from having any information about me. Its not fair to me that I have no choice in Equifax collecting information about me and then being unwilling to share my information with me. I have no issue with the other two credit bureaus. Equifax appears to be intentionally preventing me from seeing what information theyve collected on me.

I wish the United States government gave me the ability to control who had access to my information. I would prevent companies from being able to share any of my personal information with Equifax. I had never  thought about this before, but its a shame I have no control over my own information. Why a publicly traded company has access to all my financial data is beyond me. Based on their past security issues, and that they appear to be going out of their way to hide what information about me they have, I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: OH

Complaint narrative:
I had a payment arrangement in place with Bay Area Credit Service. I have a letter dated XX/XX/XXXX that states my current balance as XXXX. I gave Bay Area Credit Service my debit card number and agreed for them to deduct XXXX each week toward the balance. My bank account statement shows six debit transactions where Bay Area Credit took XXXX each time for a total of {$300.00}. This was not the agreement. My account shows the first debit was taken on XX/XX/XXXX, then each week after that until XX/XX/XXXX which was the last debit transaction. I called Bay Area Credit to settle this issue. The first day, XXXX XXXX, XXXX, I called I was transferred to a supervisor named XXXX. He told me to fax over the documents or bank statements and he would be happy to refund the money. I faxed the documents in that very evening. I had not heard back from XXXX after several weeks so I tried calling back and every time the phone agents tell me that XXXX is unavailable and any other supervisor for that matter. I am lead to believe that I am being avoided. I have called at least 10 times and each time they tell me to call back in 15 minutes or call back in one hour, the supervisor is not available. I asked them to have him call me, but they say they can not promise me that he will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I dont owe anything to those Companies or medical bill how they collect a medical bill from me without getting any medical service or given any permission to release any info about my medical or any bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I paid a fee to defer my loan payments for certain months but the company mark them as late payments Company Name is GM Financial

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I am having problems with Credit Union Leasing of America picking up my vehicle at the end of my lease. It has been 5-6 weeks since  contacting them the week of XX/XX/2020. I have been contacted by 2 tow companies via CULA, but neither have obtained the vehicle, perhaps due to the rural nature of my residence and distance from the  city. I was told that the vehicle would be obtained/secured on XX/XX/XXXX, but that did not happen either. There is no way to escalate my issue with CULA. There is no transparency or way to schedule the pickup of my vehicle.

I paid a {$400.00} disposition fee at the end of my lease. I assume that part of this money goes to CULA to manage this pickup process as well as pay for the tow service. If they are getting paid, why haven't they picked up the vehicle?

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