vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I filed ch XXXX bankruptcy. After filing bankruptcy, my account became negative and closed. As the delinquency happened during the automatic stay and was fully dischaged, nothing was allowed to be reported. A bankruptcy automatic stay disallows collection efforts of any kind and credit reporting was part of that. Frost illegally put out information that my account was opened and charged off same month in violation of the automatic stay. 
When I disputed this information showing up on my credit report, they reported it to XXXX  as 14 separate chargeoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: KY

Complaint narrative:
Equifax has not notified me of my investigation or results. I need them to follow the law and start my dispute from my letters sent to them back dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
In XXXX of XXXX, I signed for a 3 year lease with XXXX XXXX XXXX in XXXX XXXX for a XXXX XXXX. My lease payment was through the roof due to interest, which is understandable. Fast forward 2 years, I wanted out of my lease but I signed for 3. I was able to turn in my lease early and got into another lease through XXXX XX/XX/XXXX. I personally returned my lease to XXXX XXXX XXXX in XXXX XXXX, signed early lease termination papers. Nobody checked my car for dings or dents, interior, wear and tear, nothing. This is the first red flag I should have taken into consideration. Im unsure of where my XXXX XXXX went after dropping it off in XXXX XXXX but its thankfully out of my hands now but what if something happens after releasing it back to XXXX. I have no proof of the excellent condition I returned the car. On XX/XX/XXXX, there was a withdraw transaction to my bank account of {$380.00} from XXXX, which was my car payment. Ive been out of this lease now for one month, why are they charging me another lease payment? I called customer service and spoke to XXXX. Not only was she rude and impatient with me, she told me they are unable to release the payment of {$380.00} back to me and the only way they would release that chunk of money back to me would be if there is no exterior/interior damage after the inspection of the vehicle is done, which takes up to 90 days. I am no longer a customer of XXXX, why do they even still have my bank account information on file? XXXX told me it is my responsibility to stop payments from withdrawing. I asked to speak to someone else a little more understanding, she transfer me to XXXX the supervisor. XXXX told me he can not issue me a refund. The only way they will release the {$380.00} back to me is if I dont owe XXXX any money for exterior/interior which will take up 90 days. I am completely unaware of any damage to the vehicle so there is nothing they should be charging me for so the money should be released back to me and they should have done a walk through of the vehicle with me. I will not pay for damages Im unaware of. Im not a customer of them anymore! I contacted my bank because its technically an unauthorized transaction being I did not authorize for them to continue to pull money from my bank account after not having the car for one month.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: KY

Complaint narrative:
certegy keeps declining my checks I have written to XXXX. 
XX/XX/XXXX for {$120.00} XX/XX/XXXX for {$21.00} XX/XX/XXXX for {$130.00} XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$33.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XXXX for XXXX XX/XX/XXXX for XXXX Used my debit card after they declined my check. 
XXXX and I have contacted Certegy but not getting any results They sent me a consumer file disclosure report prepared on XXXX that really didn't tell me why they declined them.

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 2020-01-08 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: CA

Complaint narrative:
There are 3 accounts on my credit report that do not belong to me. The accounts were opened in XXXX & XXXX for the amounts of {$11000.00}, {$1900.00} & {$80.00}. None of these accounts belong to me and I did not give anyone permission to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

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 2020-01-08 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: TX

Complaint narrative:
I filed ch XXXX bankruptcy. After filing bankruptcy, my account became negative and closed. As the delinquency happened during the automatic stay and was fully dischaged, nothing was allowed to be reported. A bankruptcy automatic stay disallows collection efforts of any kind and credit reporting was part of that. XXXX illegally put out information that my account was opened and charged off same month in violation of the automatic stay. 
When I disputed this information showing up on my credit report, they reported it to experian as 14 separate chargeoffs.

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 2020-01-08 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX To : Consumer Financial Protection I received a dated letter XXXX XXXX -XXXX  XXXX for XXXX application for credit request not approved. This application is a FRAUD. Identiy thieves have stolen credit information for ( XXXX XXXX XXXX ) in attempt to obtain merchandise and have also done this in the recent past with XXXX XXXX XXXX and XXXX XXXX store. Please be forward this to the proper authorities for legal processing and investigations. XXXX  XXXX XXXX XXXX p.o. box XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ( XXXX ) XXXX XXXX XXXX for XXXX application for credit

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 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CO

Complaint narrative:
Below is the email I sent to Collection Bureau of America on XXXX XX/XX/2019. I followed up with another email asking for a status on XXXX XX/XX/2019. Today I saw a collection note on my XXXX XXXX account. I originally got an letter per the USPS dated XXXX XXXX from CBA ( I live in the country and pay everything on line with automatic debits, so I don't open a stack of letters but every few months, I know, crazy ) and never received a phone call saying XXXX XXXX  was sending me to a collection agency for the {$4.00} for the water cooler rental. They now want {$250.00} for several months rent on the cooler, their fees and FULL price for a water cooler ( {$170.00} ) that I have probably paid {$700.00} in rental fees for over the last 10 years and have never asked for any maintenance on. 

Below is the email sent XXXX XXXX. 

To whom it may concern, I recently received a collection letter from CBA for XXXX XXXX XXXX XXXX XXXX. 

I have never received any positive communication from XXXX   XXXX about this account status. No phone call, no certified letter, no email receipt of confirmation about this issue. 

I thought my account was being paid with an automatic withdrawal that I had set up. It turns out that debt card was canceled due a bunch of XXXX debit cards being compromised about 10 months ago ( sorry, it's easy to overlook small charges of {$4.00} ). 

I have been a customer with XXXX  12-15 years. I have paid about {$5.00} dollars a month for a water cooler lease ( 12months X {$5.00} X 12 years = {$720.00} at least ) for that time. 

I will be happy to pay what I owe ( plus interest, but not the XXXX fee of {$38.00} ). If this isn't acceptable, I have a XXXX XXXX of over XXXX. I will be glad to take it up with Equifax and TransUnion if I have a collection item show up with them, or in small claims court if needed. 

Bottom line, I would be happy to continue to be a customer of XXXX  and pay them what I owe ( something like {$48.00} plus interest ) and continue to rent a XXXX XXXX XXXX water cooler for {$5.00} a month ( this seems like a win/win situation ). This would also gain them glowing reviews on their website from me! If XXXX  wishes to terminate our relationship totally, I still want to pay what I owe, per the amount mentioned in this paragraph and they are welcome to come retrieve their water cooler at my house, just like they dropped it off XXXX or so years ago. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
XXXX 'S XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX account # XXXX I SOLD A VEHICLE BACK ON XXXX A NOTICE OF TRANSFER AND RELEASE OF LIABILITY FORMS WAS SEND TO THE DMV ON XXXX. 
ON XXXX, XXXX XXXX I RECEIVE A LETTER FROM AMERICAN CAPITAL TO ADVISED ME THAT THE ACCOUNT WAS ON COLLECTIONS. 
I WAS ON SHOCK SINCE I NEVER RECEIVE ANY ADVICE FROM XXXX XXXX XXXX XXXX. 

ON XXXX I RESPOND TO AMERICAN CAPITAL BY CERTIFIED MAIL. 
THE ABOVE MAIL INCLUDED THE FOLLOWING. 

-COPY OF VEHICLE/VESSEL TRANSFER AND REASSIGNMENT FORM -COPY OF TRANSFER AND RELEASE OF LIABILITY FORM. 
-COPY OF THE PHOTO ID OF THE NEW OWNER. 

ON XXXX, XXXX XXXX I RECEIVE A RESPONSE FROM AMERICA CAPITAL CHARGING ME THE DEBIT. 
I CALL AND TALK TO XXXX XXXX, REGARDING ABOVE LETTER, SHE TOLD ME THAT INFORMATION I SEND WAS NOT ENOUGH TO PROVE THE LIABILITY. 

SHE TOLD ME THAT I NEED A ( FORM CALL INF 70. ) I WENT TO THE DMV RIGHT AFTER TALKING TO HER. 
DMV TOLD THAT I SHOULD NOT BE RESPONSIBLE OF THE VEHICLE SINCE XX/XX/XXXX. 
DMV STAMP THE FORM AND ALSO STAMP MY LIABILITY FORM AS PROVE THAT I AM NOT THE RESPONSIBLE PERSON. 

ON XXXX I CALL AGAIN AND TALK TO XXXX XXXX. 
AND SHE TOLD AGAIN THAT IS NOT ENOUGH. 

PLEASE HELP ME I NEVER BEEN IN COLLECTION ON MU LIFE. 
AND PLANNING TO BUY A HOSE NEXT YEAR. 
THIS IS NOT FEAR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit 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 2020-01-08 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:
Not my 2 items reporting

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 2020-01-08 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: IL

Complaint narrative:
On or about XX/XX/2019 I notified : XXXX, XXXX, and Experian about fraudulent unauthorized accounts on my account via a dispute. XXXX and XXXX  did fix some of the errors. However, Experian did not remove any of the errors on my report. I went on to submit a second round of request in XXXX of 2019. Again, XXXX  acknowledged the errors and removed some of the unauthorized accounts. However, Experian did not take any actions and all of the unauthorized accounts remained on my report. In XXXX  0f 2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : Experian, XXXX, and XXXX  left the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by 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 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Debt Counselors, LLC
State: AZ

Complaint narrative:
I'm a XXXX year old, retired, widow living on social security. In XX/XX/XXXX UDC, LLC sent me a " pink '' misleading threatening letter. Within said letter were references to UDC XXXX  and United Debt Counselors. The letter referred to a credit card debt of {$37000.00}, with an estimated settlement amount of {$16000.00}, current credit card payments of {$1100.00} and new proposed program payment of {$560.00}. Stated I should contact their offices within 10 days of receipt of the letter regarding adjusts of my credit accounts and " failure to make your minimum monthly payments will likely result in interest accruing on your unsecured credit balances at an unreasonable rate. ( In addition, penalties may accrue in the event of unpaid obligations. '' The problem being I've never had credit cards with the financial institutions claimed. 

In XX/XX/XXXX, the Federal Trade Commission entered into a Stipulated Order for Permanent Injunction with United Debt Counselors wherein United Debt was ordered to pay {$9.00} XXXX. In that complaint United Debt misrepresented that consumers had credit card debt and charged advance fees for debt relief. Why is this company still in business?? 

I contacted the company and was told they were not " attempting to collect a debt, '' but were a debt relief company who were offering their services " to alleviate credit card debt. '' Which is a whole lot different that what their " pink '' letter purports. One would read the wording of the letter and assume that if we did not call them within 10 days I wold be subject to interest accruing at a unreasonable rate. 

The Federal Trade Commission or Consumer Financial Protection Agency should prevent companies like United Debt Counselors from pressuring consumers through the use of this type of intimidating, misleading letters which are only meant to coerce consumers to fall into their trap and scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust closed my account with XXXX XXXX still in it, since XX/XX/XXXX. I was never told why they were holding XXXX XXXX dollars of my funds but was told I had nothing to worry about I would get it back, then they sent me a notice like I closed the account myself. They gave me a case manager and told me not to come to the local bank again. Its now XX/XX/XXXX and still nothing while I run completely 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 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX ( midnight ), an ACH of {$120.00} was done using XXXX XXXX 's system from a XXXX XXXX  account to a CapitalOne account. CapitalOne claims that it did not go through the system, and furthermore claims that federal law requires them to wait 4 business days before posting the amount. It is my understanding that this is inaccurate, as the receiving institution must post this amount as soon as the ACH system transfers the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has repeatedly stated that they never owned the mortgage or the note and only serviced the loan. Wells Fargo has stated they do not know who owned the loan during the time they serviced the loan. This is information required by law to be shared with the homeowner.Federal legislation passed in 2009 ( Section 404 of the Truth in Lending Act ) requires that anyone who acquires ownership of a mortgage loan must provide the borrower with a notice that the acquirer is the new owner ( and if they use a servicing agent to collect payments, the name of the servicer ). Section 1463 of the Dodd-Frank legislation enacted in 2010 also requires servicers to disclose the owner of the loan within ten days upon written request from the borrower. As the homeowners we have the right to know who the owner of the loan was at the time of servicing by Wells Fargo Home Mortgage. We have the right to know where the payments were being applied. Wells Fargo has stated the loan was transferred to XXXX XXXX XXXX XXXX XXXX in XXXX. Only the OWNER of the loan can legally transfer or sell the loan to another party. Who gave Wells Fargo Home Mortgage the authority to transfer or sell the loan to another party? Wells Fargo claims to not know who the owner of the loan was at the time they serviced the loan. That would mean the payments were either not properly applied to the balance or Wells Fargo was servicing a loan that never existed in the first place. A class action settlement against Wells Fargo states that the loan was paid in full. A letter from XXXX states they purchased the loan from Wells Fargo. Wells Fargo claims they did not sell the loan, yet all information says otherwise. The loan was paid in full. ISSUE a satisfaction of mortgage.

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 2020-01-08 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: TX

Complaint narrative:
XXXX is reporting incorrectly to Experian and XXXX  a collection in the amount of {$3500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned all of the equipment back to XXXX, paid what was owed and therefore there is no outstanding balance to report. This account needs to be removed from collections and deleted from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this item however, I have not been successful.

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 2020-01-08 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: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX  and Transunion a collection in the amount of {$3500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned all of the equipment back to XXXX, paid what was owed and therefore there is no outstanding balance to report. This account needs to be removed from collections and deleted from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this item however, I have not been successful.

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