vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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:
The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.

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 2019-07-26 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: CA

Complaint narrative:
My leased XXXX XXXX XXXX was involved in a total loss accident. My insurance company XXXX got all the paperwork together and sent all necessary documents to Hyundai Finance who manages my lease. The accident occurred on XX/XX/XXXX and the paperwork was submitted on XX/XX/XXXX. Despite 5 phone calls and numerous emails, Hyundai Finance is refusing to supply XXXX Insurance with the letter of guaranty and copy of title. I received a letter from Hyundai Finance on XX/XX/XXXX stating that " monthly payments are not required after the date of loss '' but I'm still getting billed by Hyundai Finance to make lease payments. After calling twice to Hyundai Finance and speaking to two supervisors on XX/XX/XXXX, they hung up on me after promising to " escalate '' the situation and look into the matter. The first supervisor 's name is XXXX XXXX XXXX employee id XXXX - he refused to give his last name ) and the second supervisor did not give his name. They have no explanation for why they aren't sending the requested documents to my insurance company, and meanwhile, I'm being charged to pay for a lease on a totaled car that I'm not driving. When I ask Hyundai Finance why the requested documents haven't been sent and if I can speak to someone in their department, their response is " all we can do is send them an email request and there is no to physically speak to. '' After I called the number at the bottom of the attached letter, the supervisor said he was going to look into my account and ended up hanging on me. 

I feel there is definite fraud going on here. They won't send the documents to my XXXX insurance company so they can get paid the car value check, and they won't close my account. Meanwhile, I'm still being billed for payments and having my credit report threatened even as they send me correspondence saying I don't have to make any further payments. 

Please help! I just want Hyundai Finance to send over the letter of guaranty and close out my account. My complaint is with Hyundai Finance who seem to be behaving in a fraudulent manner.

Re : Hyundai Finance Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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 2019-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I received a dental care from XXXX XXXX. The XXXX work I received is very horrible. My XXXX are mishaps, can't eat or chew like they stated after putting XXXX. I can't chew before hitting my bottom XXXX  due to mishaps of XXXX. Also I have been charged for XXXX cleaning I never received. They have a sign stating satisfaction guarantee 100 % if u aren't satisfied they will refund. I'm not satisfied with mishaps XXXX as well as overcharging my account ( charging me for service they never done ) ( I have never heard a XXXX work charged before you have XXXX work done ) Due to the XXXX work ( XXXX  ) I can't eat food need chewing, I can only eat soft meals ( billing me {$6500.00} ) constant XXXX and my top XXXX  hitting my bottom XXXX ( that hurts ). I need XXXX XXXX XXXX to credit that amount back on my account. I am totally dissatisfied with XXXX  work i received as well as the tactical they are using, instead of Standing on their policy of satisfaction guarantee 100 %. I AM NOT SATISFIED BUT HURTING DUE TO THIS XXXX WORK I RECEIVED FROM XXXX XXXX ( XXXX XXXX ) ALSO I LOT OF PPLE HAVE POST ON HORRIBLE SERVICE THEY RECEIVED. Also I had XXXX XXXX out which didn't pulling, they stated I needed a XXXX, till now I think that was wrong. They are after making profit. They suggested I need XXXX of which I don't have bad XXXX but they wanted to XXXX   every single XXXX out but I refused. I feel like they pressured pple to have XXXX work so they can make money and charge u before they even perform any work. I will never go back. Take this horrible XXXX XXXX off my bill. Or pay for another XXXX   to fix mishaps XXXX so I can chew hard food with no pain. Horrible XXXX XXXX and constant XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
I receive in the range of 3-5 calls daily, no matter how many times I tell them that at this time I can not arrange payment. The calls are made by robo-caller, when answering the calls, an operator asks to confirm my name and transfers the call to a representative to discuss my debt. They use a few different phone numbers, predominantly from ( XXXX ) XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I recently opened a few accounts at HSBC attracted by a few promotional offers. 

In chatting with the nearest branch VP I accidentally discovered/was alerted to fraud. I was told that some money was being diverted from my account. I was given different numbers at the branch, and the VP refused to put it in writing, but the total missing is over {$550.00} from my understanding. 
From my understanding of the sketchy information I got from the branch, and by calling their Fraud unit from the branch, someone had taken ( stolen ) at least {$500.00} and {$20.00} out of my account. That was around XX/XX/2019. I was told that the bank would have investigated the matter and sent me details of their findings. Instead about a week later HSBC Fraud sends me a note saying the withdrawals I questioned were " authorized '' and the " case is closed. '' So far I have NOT received any written accounting or investigation results from HSBC. I am pressuring HSBC to send me details but none have yet come in writing at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In XXXX of 2018, I re applied for my income driven repayment plan. In XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX for a payment amount that was incorrect due to only half of my loans being processed on the income driven repayment plan. I called in XX/XX/XXXX to fix this issue and was advised that it would be by the next billing cycle and denied forbearance. When I received the same billing amount on the XX/XX/XXXX statement, I called again and was assured that this IDR would be reprocessed and fixed, again reassured that I would not need a forbearance. Meanwhile, the solutions team working on this escalated issue notated my account that there was to be no negative reporting due to Nelnets egregious error. In XX/XX/XXXX, I received yet another incorrect bill and called for the third time to get the IDR fixed. It was finally fixed and I made payments immediately thereafter. I was then reported to the credit bureaus for being 90 days past due on my payments. This dropped my score by 125 points and when I called yet again to get this fixed I was told there was nothing they could do. I have called five times within the last two weeks to attempt to get this fixed again and continue to be denied for multiple different reasons all which make no sense. One of the reasons I was denied  is because NELNET claims that I made no payments during the time the error happened and because my IDR was backdated, there would have been a payment due. How would I know what to send? If I sent {$20.00} and my payment was {$30.00} ultimately, I still would have been considered late. I need HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: CA

Complaint narrative:
Experian continues to harm my credit standing and financial reputation without cause. 

I submitted a complaint dated XX/XX/2019 outlining all of the issues : " My complaint with Experian Credit Reporting is their irrational and inexplicable XXXX scoring which manifests in whiplash changes up and down : unjustified significant negative point swings, inconsistent negative/positive point swings, lack of logical justification for negative point swings reductions in scoring for high outstanding credit balances while they send me offers to apply for new credit cards that will only increase the credit balances already criticized. '' My score went to Good from Poor Now in a matter of recent days, they dropped my score XXXX points when my credit history has only improved. 

They dropped it from Good to Fair. from XXXX to XXXX without justification. My credit balances continue to decrease, my revolving debt is {$700.00} with XXXX XXXX. My installment account, XXXX XXXX is down {$2500.00} and my mortgages are current. I just got a new account for carpet for one of my rentals with XXXX. This is all POSITIVE - all good indicators that I am trusted and that I am dilligent in reducing my revolving to extremely low levels. XXXX XXXX, XXXX XXXX and XXXX XXXX are all PAID OFF. The 12 % revolving debt is OVERSTATED. 

Experian should be insisting that creditor relationships update their records daily. The balance on XXXX XXXX is WRONG. It has been paid in full for over a month. Also they are not showing the reduction with XXXX XXXX. But they show when the mortgage has been reducing. 

I am of the belief that Experian is retaliating against me for filing a CFPB complaint. 

I am urging CFPB to forward this complaint record to the Federal Trade Commission. 

Experian should not be allowed to conduct business and hurt good consumers who are working hard to have a positive credit standing. 

THIS IS TOTALLY UNACCEPTABLE. 

Experian needs to be sanctioned, sued - there is no excuse for this treatment to an American consumer as they play XXXX with my life. 

Shame on them! 

This is a disgrace. 

I would like to see all the Experian employees credit scores, I bet they manipulate their files to XXXX. 

XXXX  has me at XXXX XXXX at XXXX There is something serious wrong here with Experian and their processes, logic, and business rules. This is discriminatory, defamatory, and need to be stopped.

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 2019-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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 2019-07-27 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 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: MD

Complaint narrative:
A new collection appeared on my Experian credit score, the collection is from XXXX, a company that I've never had business with -- I have been experiencing credit fraud, and I called to dispute this item XX/XX/2019 I called Experian and disputed this item as soon as I got an email notification about it -- XX/XX/2019 Experian marked this collection as accurate -- XX/XX/2019 - AGAIN, I have no idea what XXXX does and I've never done business with them! I do not know why they would declare this to be accurate.

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 2019-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
The HEL is under my mother - in- law 's name XXXX XXXX Acct # XXXX who passed away in XX/XX/XXXX. My wife ( XXXX ) and I are executers of her estate. We visited the BB & T XXXX XXXX on XXXX XXXX on Saturday XX/XX/XXXX ( I think it was this date ) the Rep took all of our information including the death certificate and the paper from the XXXX County Courts show XXXX and myself as executors of the estate, we also closed the checking account. We were told that this would be taken care of and someone would give us a call, had never received a call back. I called again on XX/XX/XXXX and spoke with XXXX who said she had to send this in for research, still I have not heard anything. I called again on XX/XX/XXXX and spoke with, I think XXXX, who said that my wife and I were only attorney in facts on the account. This was not true since we gave all the paperwork showing that we were executor of the estate to the Branch employee. So it have been over a month and the HEL has not been closed and we have a negative balance of {$81.00} which is due to my mother - in - law 's estate. Can you please help get this HEL canceled so we can finally close her estate out.

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 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Debt amount from Nationwide Recovery Services in the amount of & XXXX was paid in full on XX/XX/2019 and was said to be cleared off credit by XX/XX/2019 but is still listed as a derogatory mark on my credit as of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2019 my Venmo account was frozen with no warning or anything. The very same day I contacted venmo and they would not give me a reason as to why. My account had {$200.00} in it. When I contacted Venmo a account management specialist contacted via email because Venmo said they dont have a direct phone line. They said their policy says they can hold my money for up to 180 days but when I asked for a date that the funds will be released I got an email saying they will not be looking into the matter any further and not to contact them. Now I am out {$200.00} and Venmo will not respond to my emails about the date I will get the {$200.00} balance that is in my frozen account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit to my Bank of America account in Nj of a check drawn on a XXXX XXXX checking account in CA which I hold jointly with my wife and sister who resides in CA. 
The check was for {$10000.00}, which is not an extraordinarily large amount for such deposit, as the last prior such check was for {$15000.00} which I deposited on XX/XX/XXXX without incident. Altogether deposits from the XXXX account into the BofA account ( including its pre-merger predecessors ) have been made periodically over all of the past 30 years without incident of any kind. 
On this occasion BofA has put a complete hold on the entire deposit for 12 days, despite my sister having confirmed with XXXX that the {$10000.00} check was cleared by them on the XXXX, which I have pointed out repeatedly to BofA to no avail. 
My credit rating is in the 800-850 range and I have had 5 different  mortgages with BofA on 3 different properties in 3 different states, all of which have been paid off or paid timely/never late. 
BofA will not tell me why they persist in this lengthy and complete hold despite having the funds from XXXX for this past week, and only say they have a right to hold a deposit for up to 10 days ( apparently at their whim as this is the only explanation they give 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