vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
XX/XX/XXXX I paid my annual excise tax to the town of XXXX via Kia Motor Finance Co for my leased XXXX Kia XXXX in the amount of {$180.00} for XXXX. 
XX/XX/XXXX I leased a new XXXX Kia XXXX. I traded in my XXXX Kia and transferred my plates to the new car. 
XX/XX/XXXX I contacted Kia to request a refund of the tax paid, as I paid the tax for the year on a car that I held onto for 11 days. Kia agreed an abatement was due and they, as title holder, would contact the town of XXXX XXXX XXXX XXXX XXXX to filed for an abatement. 
XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX to check if Kia had filed for an abatement. They confirmed that Kia had not done so. 
XX/XX/XXXX I contacted Kia again, not having received my refund, nor an update on the status of this refund. I was told by Kia customer service that I would need to mail a copy of my current MA registration for the XXXX Kia. 
XX/XX/XXXX I sent to Kia 's property tax department, via certified USPS mail a copy of my registration as well as a letter which included my account number, vin, etc. 
XX/XX/XXXX I contacted Kia for a status update on the abatement. They were unable to provide me an update but stated that they would have a representative reach out to me within a couple days. 
XX/XX/XXXX I received a call from XXXX XXXX in the escalations department. She stated that Kia did not receive my registration ( which again was sent certified mail ). XXXX XXXX agreed to email me after our call and that I could rely to her email and attach a copy of my registration and I did so. I can provide a copy of this correspondence if needed. 
XX/XX/XXXX I contacted Kia to request a timeline for when I might receive the abatement. I spoke with XXXX in escalations and was told that they had no copy of my registration received ( by either USPS or email ) and that only a fax of my registration would be accepted. 
XX/XX/XXXX I filed a complaint with the Massachusetts AG office ( I have not heard back as of XX/XX/XXXX ). 
XX/XX/XXXX I filed a complaint with the consumer financial protection bureau ( CFPB ). Kia responded to the complaint stating that they filed a request with the XXXX XXXX XXXX XXXX XXXX The CFPB then considered the complaint closed. This is untrue. XXXX tax office has NO record of any filing by Kia. 
XX/XX/XXXX I contacted Kia for a status update. I spoke with XXXX from customer service who was unable to provide an update. I requested a call back from someone who could provide an update. 
XX/XX/XXXX I contacted the XXXX tax collector 's office and spoke with XXXX. She confirmed, with certainty, that no request for an abatement had been filed from Kia.

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 2022-10-24 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: CO

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022, Elan Financial Services, a division of US Bank, elected to close my credit card accounts in 30 days. When I prompted them for more information, XXXX XXXX XXXX, Retail Payment Solutions, Office of the President at Elan Financial, sent me a letter on XX/XX/XXXX indicating that my accounts are in " Default '' under the terms of these accounts. According to the letter, my accounts are " in Default under subsections e and f, '' because of " false statement in the maintenance of your account '' and " the Account is in danger of, or is being used for fraud. '' These claims are baseless, and I was not given any opportunity to answer them. I have made no statements to anyone at Elan or US Bank, false or otherwise, to maintain my credit card accounts. Alleging that I was involved in fraud is a serious charge, commonly defined as " criminal deception intended to result in financial gain. '' Frankly, I am flabbergasted by this assertion! My account originated over six years ago when Fidelity awarded Elan the contact for this service. Most of my family 's daily spending goes thru the account ending in XXXX, so there is a clear and continuous record of my family 's spending patterns. Over the nineteen years, I have had a Fidelity Credit Card, I have never missed a payment or had my account out-of-order. XXXX calculated my credit score this month is over 800. When did Elan Financial detect that I was somehow involved in criminal activity? When I spoke to XXXX XXXX on XX/XX/XXXX, he would not provide any information on how Elan or US Bank reached this decision or evidence supporting these assertions. 

Elan Financial and US Bank acted in a disturbing, arbitrary, and conspicuous manner to close my credit card accounts, which is inconsistent with the agreement. They should not be able to make summary judgments about credit card accounts without providing the consumer with clear and convincing supporting evidence. Furthermore, I was not afforded due process consistent with being a valued, longstanding client.

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 2022-10-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN continues to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. EXPERIAN continues to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information EXPERIAN is acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information EXPERIAN is discriminating against me. EXPERIAN is communicating my nonpublic personal information without my permission. EXPERIAN never gave me the opportunity to opt out of certain information being communicated. I sent EXPERIAN a letter requesting changes be made to my report. I called EXPERIAN after i received the certified mail return receipt for an update and i was told that the information congress prohibited will still be communicated.

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MD

Complaint narrative:
I was informed that I owed a full month 's rent for damages incurred to an apartment rental until. I asked how the amount was determined and asked for an itemized list of repairs as the charge was for " dry wall '' and " paint '' repair for pictures that I had hung. I was told by the apartment manager the bill would be updated when the final repairs were made. My deposit was taken ( {$350.00} ) and I was told I was to receive an itemized bill which was never provided. Instead the company sent the debt straight to a collection agency. I have asked ProCollect Inc to work with XXXX XXXX to document the actual bill, but they refuse to and tell me I must provide proof I do not owe the debt. When I ask what that would entail, they do not answer but repeat " Nevertheless, the debt is due 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for the XXXX XXXX XXXX Credit card on XXXX  XX/XX/2022 through XXXX XXXX. On my transunion credit report it is showing 3 inquires when I only applied 1 time. I contacted Transunion and they told me to contact the lender to get a deletion letter. I contacted XXXX XXXX  and they said they only show 1 inquiry and that they couldnt help me and told me to contact Transunion to get it removed and when I explained I had already contacted them they told me there was nothing they could do. Can you please help? Transition said I could also have a report from the FTC to get this removed.

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
{$52.00} XX/XX/2022 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
7. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX Account : XXXX... 

I am promised accuracy on my report based on federal law. I am writing again as another attempt to have these errors corrected on my consumer report under 15 usc 1681. All unverified information must be promptly removed. As you can see in your system you can not verify this information and validate it so I request that you remove it now.

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 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im the wife of XXXX and all my phones are in my name. I received a text on XXXX XXXX XXXX. I called and spoke to the person who called themselves a debt collector or mediator. Because my husband is hospitalized.After asking questions I was told that the Company who was taking me to court on XXXX XXXX is ChecknGo. And I verified myself to them telling the mediator or collector who I am. Still the collector assumed it was me that he was collecting for. 
I told the collector that XXXX  doesnt have a debt with that company. 
Then I was told that I was being served when in fact it wasnt the person that they were looking for. After trying to ask further questions I was continually told that Im being served without any further explanation. 
I looked up the number to Checkn Go in my area and gave my husband name, telephone number, address and all info that was requested. I was told that there was no Loan taken out with the information that I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanFlight Lending, LLC
State: TX

Complaint narrative:
I worked with XXXX XXXX at LoanFlight lending. In XX/XX/2021 he was the loan officer who facilitated the refinance of my primary home loan, from cash-out ( XXXX ) to conventional ( XXXX ). This refinance was only for a rate-change as resulted in no cash-out or extraction of home equity, as a matter of fact I paid closing costs. 

Upon applying for HELOC ( with two different banks ), I was informed that the XX/XX/2021 mortgage was actually processed as a cash-out mortgage ( XXXX ) and not as a rate/term change ( XXXX ) per my request and expectation. As a result, I am unable to access my home equity based on Texas ' property law that allows only one XXXX loan per property. So, I can only leverage my home equity if the mortgage is refinanced at current mortgage rates of XXXX %. 

XXXX, as the representative of the mortgage company ( Loanflight ) states that I was required to specify the loan designation of " XXXX '' for them to process accordingly, otherwise it is processed as the prior loan designation ( XXXX ) - even though is technically a XXXX loan structure. As a fiduciary, Loanflight has accountability to process my loan per my request and expectation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: IL

Complaint narrative:
My ex-wife used my name and identity to collect credit and do online shopping with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hard and soft enquiries and others which I don't know yet. These are all reflected on my credit report and is damaging 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have credit alerts for my credit report set up and received one that says a hard Inquiry was done to my credit by Bank Of America. 

I do not have a bank of America account nor do I have anything from them. Not credit card, Bank account nothing. And I haven't given them any authorization to do a hard inquiry.

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 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was XXXX on XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX  got hold of my credit and debit cards while I was in XXXX XXXX and illegally used them. I found out ID Theft was done to me when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was called by debt collectors of my credit card accounts that had been used when in prison and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and XXXX cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX  making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police 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 2022-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXn XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX got hold of my credit and debit cards while I was in XXXX XXXX and illegally used them. I found out ID Theft was done to me when fully released from XXXX XXXX  on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in XXXX and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and 2 cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX  making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.

Company response to consumer: Closed with explanation