vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 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: TX

Complaint narrative:
Hyundai motor finance charged me the sales tax as part of the lease end buy out payment and are not issuing me any receipt for the tax. This makes me to pay sales tax again. 

I have been calling them for a month and they keep saying they sent request to back office and the only option. was told is to call back after 5-8 business days. 




With no hope with XXXX, trying to see if I can get help.

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 2022-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
At best, Better mortgage has been negligent. At worst, we are victims of malicious intent. 
After pre-approval, Better waited until the day of our financing deadline to look at our file. When they couldnt resolve the issues, issues that we had communicated early and assumed were handled, they decided to deny us. 

Our timeline : XX/XX/XXXX - Preapproved to purchase a home up to {$640000.00}. 
XX/XX/XXXX - We provided our contract to buy to Better Mortgage, with deadlines. 
XX/XX/XXXX - We clarified an income question on a call with our loan officer and were assured that we were still well-qualified for the home. 
XX/XX/XXXX - Financing deadline. 
XX/XX/XXXX - Better Mortgage reached out with the same question we clarified on XX/XX/XXXX. Better Mortgage asked us to extend our financing deadline. The seller refused. 
XX/XX/XXXX - Better Mortgage advised us that there is not a path forward and to pursue our application with other lenders. 
XX/XX/XXXX - Our target closing date. 

Our financial picture did not decrease in any way. It actually improved- we paid off credit card debt and saw our credit scores increase. 

Better Mortgage systematically was unreachable ( 4 day lead time to speak to our loan officer ) and did not communicate problems to us until the day of the deadline. They failed to process our information. We leased our apartment to new tenants. Our earnest money ( {$6100.00} ) is forfeit after they failed to meet deadline. We do not know where we are going to live after XX/XX/XXXX. 

We suspect Better Mortgage is denying us because they either do not want to honor our rate lock, or because they were delayed in our application, they do not want to honor their BetteXXXX Closing Guarantee, which promises $ XXXX credit at close if XXXX has to delay our closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: SC

Complaint narrative:
The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$9200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1900.00} XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX Balance {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$3700.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Addresses XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, OH XXXX Employer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: SC

Complaint narrative:
I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the 3 Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.

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 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a Letter from Wells Fargo dated XX/XX/2022 denying me a credit card. ( Application XXXX ) In the letter was information from XXXX about my negative credit rating ( XXXX ) and delinquencies on payments. 
1. I never applied for this credit card. 
2. My credit rating has always been in the high XXXX or low XXXX. 
I checked with XXXX on XX/XX/2022 my credit score was XXXX ). 
3. I contacted Wells Fargo four times by phone informing them I did not apply for their credit card and to immediately cancel the fraudulent application. 
4. The result of all four phone contacts is that Wells Fargo has not cancelled the application. 
5. If Wells Fargo does not cancel this fraudulent application but instead categorizes it as being denied for credit issues while using erroneous, incorrect information it will appear on my credit report as being denied. 
6. Wells Fargo obviously furnished XXXX incorrect information from a fraudulent application that was not my correct information. 
7. I received a letter and five page Declaration of Fraud form from Wells Fargo. The form asks me to investigate whether or not this is a fraudulent application. Additionally the form threatens me with criminal prosecution if I submit a false declaration. 
8. I am unclear why and how I am responsible for investigation of this fraudulent application. Particularly since it was Wells Fargo that submitted erroneous, falsified information about me to XXXX. I have never experienced this level of arrogance, and unprofessional behavior from a service company that charges fees for their services. I have been a professional government official for 50 years and have never witnesses this level of incompetence.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, 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 an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports 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 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
FRCA Violation late payments on credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation late payments loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collection LVNV FUNDING LLC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In the month of XX/XX/2022, they charged me a late payment fee of {$29.00}, and in XXXX {$40.00} they keep increasing the fees higher and higher. This is unfair to the way they treat customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON MY BEHALF WITHOUT ANY THIRD PARTY OF INFLUENCE PLEASE SEE ATTACHED DOCUMENTS AS THEY STATE MY FULL COMPLAINT

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 2022-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
On XX/XX/2022 I placed an order with XXXX XXXX XXXX for XXXX XXXX with XXXX XXXX the businesses owner. The total amount was XXXX XXXX and had agreed I would receive by XXXX XXXX or XX/XX/2022. We had agreed on me paying 50 % ( XXXX XXXX ) on that date XX/XX/2022 the rest by XXXX XXXX so they could have it on there account by XX/XX/XXXX XXXX. I kept insisting on getting receipt once they received on XX/XX/2022 and stopped getting response from business owner.I deposit remaining half {$350.00} on XX/XX/2022 get informed issues with finding flight for our package. I asked for a refund and kept calling and he blocked me since he was not responding. Finally when Im able to get a hold on XXXX XXXX asks for my bank info to process refund. I then get a refund receipt. I check it everything looked fine except no tracking number for wire transfer. It has been 6 days and I still do not receive refund. I reach out to ask for more information and I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX. Email : XXXX XXXX XXXX XXXX On XX/XX/XXXX this collection agency fraudulently placed a collection account on my national credit file which negatively impacts my credit file and score.They are attempting to collect a debt that does not belong to me. i signed a roommate agreement in XXXX. I contacted the owner of the account, XXXX XXXX  on XX/XX/XXXX, and spoke with leasing agent XXXX. She pulled my file and confirmed I was not listed on the lease and do not owe them any money. She also confirmed XXXX XXXX is solely responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-05-06 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: SC

Complaint narrative:
I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the XXXX Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.

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 2022-05-06 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: SC

Complaint narrative:
I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the XXXX Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have XXXX  on my mortgage. The lender is Huntington Bank. On the lenders mobile app i was informed that I can have XXXX removed if I have 20 % equity in the house. According to the Homeowners Protection Act XXXX must be removed when the balance of the loan drops to 78 %. So I used some savings to pay down the mortgage quickly below the 78 % threshold so that I would no longer need to pay the $ XXXX in XXXX. Huntington is refusing to drop XXXX  unless I pay them a fee to drop the XXXX. 

Huntington needs to drop the XXXX since I have reached 22+ % equity and NOT charge me a fee to drop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there. I am a victim of Identity theft. I've attached a copy of my ID, an identity theft report from Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.

Company response to consumer: Closed with explanation