vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CA

Complaint narrative:
So far I didnt paid about {$11000.00} towards my {$17000.00} loan and theyre still stating that I owe the same amount. I try to talk to the supervisor to get where am I payments are being applied and they sent me a paper where it looks like they just typed up an amount to make it look right and even on that paper the amount is still not even right, Ive been getting harassing phone calls every day before XXXX oclock in regards to this loan I told the lawn service to stop calling and harassing me and they consistently do it without any regards to my request I was bought I bought this car on XXXX, pretenses of what the auto dealer lead me to believe and really I was scammed and fraudulently, misled by the dealership of what I was applying for in the outstanding balance that would be applied to my account Something needs to be done about this. It is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
I messaged them XXXX to ask about the predatory interest and he said nothing. 
XXXX I asked why they did bi weekly when I was told it was Monthly and asked for monthly contract. She said sorry he lied but I signed it and I asked for changes to the term and she denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have been trying to fix my student loan account before the XX/XX/XXXX deadline since XX/XX/2023 in order to get on the XXXX plan and alleviate interest accruing on my account and to be able to pay my loans. 

I have submitted multiple times to be switched over to the XXXX plan and each time there has been something wrong on the Nelnet side of things. Each time I provide the information, it takes them 15 days or more to respond on what I need to do next. After I provide that information it takes them another 15 days to process in order for them to get some kind of an error. 

Because of this fault from Nelnet by not completing my application and not putting my loans on XXXX, my loans have accrued over {$1000.00} in interest since XX/XX/2023. They also do not have a timeline anymore on when this will get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am part of the Borrowers Defense post-class. I was placed on Forbearance and have called in and asked to be taken off of Forbearance. I still have not been taken off. I am going to be accruing interest that I do not/should not be accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I applied in XXXX for auto pay two GMC financial on my online app. I have done this several times with several leases. To my display, they never put in the auto pay. Their system mustve had a glitch because on my end, it said I was enrolled in auto pay so now they gave me two months of saying I did not pay I was aware at the time it was coming out of my checking account because I was enrolled in auto pay when I talk to the customer service in XXXX they told me I had to fill out a paperwork to do auto pay. This is completely untrue and the very next day miraculously my auto pay on my app was dignified. GM did not take responsibility for their mistake, and now my credit has gone down XXXX score this needs to be fixed ASAP and GM is to be responsible for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
discover repeatedly violates my congressional and legal right to opt out credit reporting and continues to share my private/non public and personal transactions and experiences WITHOUT my written consent to non-affialated 3rd parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
CashApp is arbitrarily cancelling and rejecting my law firm clients from paying us as little as {$2500.00} on a regular basis. We believe someone there is targeting us so that we cant earn money. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XX/XX/2019 I disputed charges that I consider should not be allowed in my account, they ignored me since they never gave me a response, and despite that, I made the payments, even with the account open I disputed the charges again and again they did not give me answers. Still, make the payments that corresponded to the account. But I am surprised that they reported incorrect dates and that my disputes for charges were never registered, I asked them to investigate first, and they told me that they would investigate and that it would take 10 days, but then the next day they told me that they can not find my information and that They don't know what I'm asking for and that I send everything again and that I must wait 30 days again for them to give me a response.

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 2023-10-02 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Vantage Point Group
State: FL

Complaint narrative:
Vantage Point Title, in XXXX XXXX These people lied when our money would be sent. Made us wait 3 days even though we were in a wet state. Then they said twice on XX/XX/XXXX that our money would be in at COB day. 

They were late wiring money, ( after XXXX XXXX ) on XXXX XXXX, and then could not trace it. They again assured us that we would have our wire transfer at the close of business. The loan closed on XX/XX/XXXX. It is XX/XX/XXXX and our money is not in our bank. 

This was a payoff for a private mortgage. This company has been negligent in the timeliness of our pay off, and it is fraudulent to lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute a serious error on my TransUnion credit report. I recently obtained a copy of my credit report and was dismayed to find that it erroneously lists a XXXX filing. I want to unequivocally state that I have **never** filed for XXXX, and this listing is both incorrect and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are obligated to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified of such an error. 

I request that you conduct a thorough investigation into this matter immediately. Please correct the inaccurate information and provide me with a corrected copy of my credit report. If you are unable to validate this bankruptcy, it must be removed from my credit report forthwith. 

I would also like to remind you that under the FCRA, I have the right to sue in federal court for any violations, and if I prevail, the reporting agency can be held responsible for my attorney 's fees. 

Please treat this matter with the urgency and seriousness it deserves. Your prompt attention to this issue is expected.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$37000.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't 've be there

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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX fraud protection. Debit card was skimmed and used out of state, shipping to yet another state.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
I try to pay off my loan every payment of {$500.00} dollars I still not reflecting on my account the amount they I own still the same. 
Title max is not a transparent with their customers is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I returned my car back to the XXXX XXXX I have proof of return receipt. I made XXXX more payment as instructed for the month that I returned the vehicle. Then approx 45 days later I started receiving threatening phone calls and text messages about collecting the payment for my car. They claimed I was over 30 days late and then started claiming I was over 60 days late. 

I asked on several recorded phone call conversations to speak to a supervisor. Each and every time I was told that a supervisor was not available to help me or that a form had to be completed and given to the supervisor and that I would be contacted. The first conversation I requested to speak to someone was XX/XX/XXXX, then again on XX/XX/XXXX. Additionally on the XXXX I was requested to send in proof of my return which I sent to the required email. 

On XX/XX/XXXX I called Hyundai Motor Finance XXXX and they were not able to get me in touch with a XXXX but could confirm they received a check from the dealer on XXXX XXXX and that it would take XXXX business days to apply the funds to the account. I'm filing this complaint as of XX/XX/XXXX as I'm still receiving phone calls and every time I call the company to confirm they keep transferring me around and telling me they can see my account has been paid but can not figure out why I keep showing up as someone who owes a debt. AT THIS POINT I'M VERY FRUSTRATED AND CONCERNED about my credit report showing a 62 day late on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a gold coin through XXXX XXXX  and did not recieve the coin.I used paypal mastercard and opened a dispute with them.I sent them the pictures of the empty boxes and police report.They sent me a letter last week stating they have approved the dispute in my favor and have credited my account in the amount of {$2100.00}. I did not see the money being credited to my account, so i called them to day and was informed that no credit has been issued and that letter was issued because of a technical glitch. 
I have sent them the pictures of the tampered box which was used to send the gold  coin and the police report multiple times to them and they deny that they have received it.I spoke to a supervisor by the name of XXXX and she says that she can not see any documents sent over by me. The letter from last week said that after revieweing the evidence they are issuing the credit.The credit company is giving me various conflicting responses.

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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-10-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MO

Complaint narrative:
After several weeks of closing being pushed back, we were informed that we needed to pay {$6000.00} in order to meet the terms of the loan deal/appraisal. This was dropped on us after paying the appraisal and XXXX deposit fees totaling {$1700.00}. The terms changed after we had agreed. We were informed the cash to close at disclosure was set at {$1500.00}. 

We had no other choice but to back out. We were told there were to be no additional fees and there are supposed to be no down payments with a USDA however that is what this company was trying to get out of us. 

They told us we were out of luck on the money and did not have a right to a refund. They did not answer or return any of my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX feet finder Contacted them and they said it had been authorized but these payments I have no clue about

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