vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I just received another foreclosure letter in the mail, which is a result of someone elses debt ( XXXX XXXX ), as discussed. 

As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX account to a partner in XXXX ( XXXX XXXX XXXX ), and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court XXXX 
Both attorney XXXX and XXXX XXXX have committed perjury in court by making misstatements about XXXX XXXX financial condition on his XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since XXXX XXXX XXXX XXXX  demanded that XXXX XXXX respond to my buy out offer in court. 

XXXX XXXX and XXXX XXXX XXXX may also have forged my signature on financial documents. XXXX XXXX XXXX appeared at my house recently with XXXX XXXX and was hostile toward me, which I have reported to the XXXX XXXX there is a XXXX  video of the attack. 

I am not in debt and the financial abuse by the lender and by XXXX XXXX and his attorney XXXX XXXX XXXX since XXXX has impacted my credit score, professional reputation, ability to earn a living, and the health of myself and my children. 

Our Index number is XXXX, in XXXX court XXXX We are unable to secure a trial date or any order involving these matters of contempt from the court. 

We just received the attached letter threatening to foreclose on our home in MA by USAA Federal savings Banks attorney, XXXX and XXXX, while Usaa and other lenders have refused to allow me to settle this matter, stating that I am not on the mortgage. 

I am requesting legal representation. Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX was paid to help most recently. In fact, after attorney XXXX spoke with his contacts at XXXX and XXXX, we received the attached documents, making matters worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have a couple loans I've set up through Affirm over the years and have always made payments on time and never had an issue. Back in XXXX my identity was stolen and the hackers were able to take a loan out for over {$1800.00}. I have called Affirm multiple times and spoken to multiple people and have received multiple case ID 's. I wait for a response and never get one so I call and give the case ID and they always say they cant find it and I have to start all over. I need this loan to be taken off and I don't have access to my account to make payments on the ones I did authorize. No one is helping XXXX and I never get any further information once a case ID is given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted Capital One on several occasions and informed them I was in XXXX when accounts were established and they are still trying to hold me liable. My identity was compromised due to a security breach from their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I left my job a few years ago and I contacted my old employer and I asked for the information to obtain the 401k and how to close the account and transfer the funds to my account and I think they actually changed 401k provider and I wasn't told I can't find my 401k on any site or in the gov abandoned 401k I'm getting worried I'm not going to be able to find or obtain my money

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had chose capital one recently because I am a average person trying to rebuild my credit after receiving multiple offers on how their secured credit could help me rebuild my credit. And it did over the past few months few months have gone by and capital one offered for me to apply for a non secured credit card I was excited my credit score had gone up yet again I was making purchases and making my payments in full right away. Then the worse happened they would take payment in full for my credit card balances due and sometimes it would take days if not over a week for my credit card balance to take affect and my credit card available spending limit to update even tho theyd take my payment from my checking account instantly then Id call them and complain about how waiting a week for them to post my payment isnt fair. They didnt like that because they closed both my accounts with no notice and ruined my credit scores! I want my accounts restored and my credit score fixed this unfair and deceptively wrong to target a average man trying to rebuild his credit score and give false hopes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
I fell behind on payments and had been telling them through email I could not afford it. I was given too much to handle for my pay. I also got XXXX, had sick family members, and lost jobs in the time. I was offered a new interest rate after months and it expired the XXXX of XXXX with a payment of XXXX owed and to continue making this payment. They towed the car ON THE XXXX before the loan expired and not only that they still have not provided me the ACTUAL NAME of the towing company. They have someone working as a middle company that won't tell me either. VA also required an ACTUAL 10 DAY NOTICE, just for repo-ing, to be sent 1st class mail before repo-ing. They did not send that. They have done this before and are now trying to make me pay over XXXX dollars to get out of repo-status only to be charged more for storage. They repo-d it once before and I paid it but still wanted lower rates. They waited until I was in a hole and took my car. Numerous emails with no response. I lose my voice all of the time and have told them this through electronic communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I received a notice that there was a hard inquiry to my credit report by XXXX. I have not applied for any type of credit card or loan through XXXX XXXX. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My XX/XX/XXXX statement had a balance of {$1900.00}. A payment of {$1900.00} was paid on XXXX leaving me with a balance of {$0.00}. I owe {$0.00} plus any accrued interest since it was not paid in full by the due date of XX/XX/XXXX. According to the terms and conditions, interest is charged on the unpaid balance. In this case, is {$0.00}. My XX/XX/XXXX show I owe {$32.00} of interest only charges. My APR is 29.24 %. Please explain how that calculates to {$32.00} interest for {$0.00}. Please note I paid {$6.00} on XX/XX/XXXX which included the {$0.00} previous balance and a recent charge in the amount of {$5.00}. Im not disputing interest is owed to Capital One but the amount. I requested my account notes from XXXX with employee Id XXXX and my request was denied. Also, by his supervisor XXXX employee id

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The loan company stopped credit reporting in XX/XX/2023 and continue to report that I am 30+ days late since this date. This is not correct. It took them 30+ days to get me my payment history and they never updated my credit report. I have filed disputes and they still wont correct it. Since the date in the documents I have continued to pay them monthly. They did update their payment portal in XXXX which caused a change in some account numbers, this is not an error the consumer should be paying for. They need to get this corrected and merge the accounts and be ethical and honest about the credit reporting. I want my payment history fixed on my credit reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: NJ

Complaint narrative:
Hyundai Motor Finance has inundated me with robocalls. I have asked several times ( as recorded in their system ) and I was informed they had sent me the itemized statement I asked for. I never received it and then asked them to send it certified so I can be 100 % certain it was sent. The person I spoke to said they would NOT be sending a certified letter as they dont do that. I want to see the debt I ow and they just keep calling as an attempt to collect a debt. The car has been paid in full as documented by my insurance company. The title has been released by Hyundai. Please help me get them to stop this nonsense. Thank you for your 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 2023-12-17 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I contacted Equifax in order for them to investigate and verify unrecognized inquiries on my consumer report. They failed to investigate thoroughly and left the unauthorized and inaccurate inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: NJ

Complaint narrative:
I was an Account holder at XXXXXXXX XXXX for 30 years. Columbia Bank took over all XXXX branches. Columbia Bank has very few locations so they charge their account holders {$1.00} each time you do not use their ATM, even if Columbia Bank ATM are not available. Even if Columbia Bank ATM is out of order. XXXXXXXX XXXX was connected to all banking systems and did not charge you as they were also limited locations. I feel Columbia Bank is ripping their customers off! Please put a stop to this shake down!

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet is not updating my student loan balances with credit agencies. They have not provided an update since XX/XX/XXXX. During that time, I have paid off my student loans entirely. I have filed disputes with the credit agencies that go nowhere as I am told, generally, that they simply report the information from the debt holder. I have attempted to contact Nelnet on multiple occassions, but after two to three hour hold times, the call usually drops, but if I do get someone, they aren't in a position to actually do anything, and say that Nelnet reports the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that my last activity was XX/XX/XXXX, XXXX states XX/XX/XXXX, XXXX XX/XX/XXXX ALSO These accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing. Enclosed with this letter, please find copies of documents supporting the age of these accounts, including [ mention any supporting evidence like payment records or correspondence with the creditor. I kindly request that you investigate this matter and, if found to be in violation of the Virginia Statue of limitations five to seven-year reporting limit, remove these accounts immediatley from my credit report promptly. 
I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to protect the information shared on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid off my XXXX credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted XXXX immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid off my XXXX credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted XXXX immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: NV

Complaint narrative:
The loan company stopped credit reporting in XX/XX/2023 and continue to report that I am 30+ days late since this date. This is not correct. It took them 30+ days to get me my payment history and they never updated my credit report. I have filed disputes and they still wont correct it. Since the date in the documents I have continued to pay them monthly. They did update their payment portal in XXXX which caused a change in some account numbers, this is not an error the consumer should be paying for. They need to get this corrected and merge the accounts and be ethical and honest about the credit reporting. I want my payment history fixed on my credit reports!!!

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did a pre-qualified app with XXXX on XX/XX/2023 which was advertised as a soft pull only, but took XXXX points off my credit report as a hard pull. I never followed thru with application. I was pre-approved but never pulled the trigger to get the credit card.

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 2023-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
A collection agency under the name " Southern Management '' is reporting two incorrect " past due '' debts on my credit report. One debt is reported to my credit under account number # XXXX for {$730.00}. The second is being reported under account number # XXXX for the amount of {$3400.00}. 

These debts have been damaging my credit report for years and to date, this company has not been able to validate that these are even my accounts. My credit report indicates that the original creditor for the {$730.00} debt is an apartment community named " XXXX XXXX '' and the {$3400.00} debt is another apartment community named " XXXX XXXX  ''. I have personally contacted both of these apartment communities and they have no record of any debts owed for these amounts. 

Prior to reporting, I received no written notice that Southern Management were placing any debts on my credit report. In XXXX  and over the course of the year XXXX, I have been working with the credit bureaus to remove incorrect collection accounts from my credit for debts that can not be verified. Through direct disputes with the credit agencies, I have requested that Southern  Management provide proof of the debt that they claim I owe them. To date, I have not seen a single document provided to me by Southern Management, XXXX XXXX or XXXX XXXX showing any signed agreements validating that I owe them this money. 

In retaliation to my disputes, Southern Management continues to report these debts to my credit report and has aggressively increased their efforts to collect these debts. I was recently contacted by a former employer who told me that Southern Management Systems was searching for me to pay off this debt and seek legal action against me. I was told that they are now threatening to sue me to collect on this debt. I can not believe that this company has now gone so far to contact my former place of employment to collect on this debt. It is bewildering to me that this level of abuse can continue unregulated when they have not been able to provide a single document of proof showing this debt is valid. 

I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. 

I refuse to continue to have my credit damaged, my good name smeared and my life ruined by this company.

Company response to consumer: Closed with explanation