vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, PA to evaluate my XXXX XXXX XXXX that I am currently leasing it in order to determinate the equity on the car. Due to the maturation of this lease, I was getting ready to replace my ending lease with a new lease ; I choose a XXXX XXXX XXXX XXXX. They did all the paper words, I signed my application and their process begin. I check my credit report and I saw two Hyundai Finance inquiries, on my previous two lease I notice that they uses to do two inquiries, so, didn't surprise me. That day, they couldn't finalize all the paper word with their bank, so, they asked me to come back next day to finish with that and exchange my XXXX XXXX for the XXXX XXXX. On XX/XX/XXXX morning time, I returned a phone call from the dealership ; they stated that I have an outstanding balance with Hyundai from previous lease. I explained to they that I paid the Hyundai Finance already on XX/XX/XXXX. Then they started to question me about a loan that the saw on my credit score. Long store short. They said that they will call Hyundai Finance regarding the outstanding balance. When I hanged out, I did called Hyundai Finance directly. I told them what XXXX XXXX in XXXX told me about my old lease outstanding balance and they said that I was in good standing with previous and actual lease that they don't know where they got that information with an outstanding balance because that not what they see on their end. I asked for a copy of my pay off letter which was sent it to me right away. Once I get out off work, I passed by the dealership, I showed them my payoff letter and let them know I wasn't interesting in the XXXX anymore. They weren't happy about that, specially when I remind them that they are more dealership out there. Next day, XX/XX/XXXX. I received ten new notification from my credit wise about XXXX new inquiries. I thought, It must be a mistake, I called each of those inquiry company which each stated that they received credit application on my behalf from Hyundai auto but it was after I decided to don't go forward with the lease renewal. My understanding, they just want to show their power of making sure I won be able to get a car with another leadership for a while just because this minority old lady refused to take their car after they admitted that they were wrong about an outstanding balance and that annoy 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 2021-12-09 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: FL

Complaint narrative:
My car was totaled in an accident ( not my fault ) in XXXX of 2021. My XXXX XXXX XXXX paid XXXX XXXX in full plus {$2000.00} extra. XXXX XXXX will not settle this account despite taking the money. My mortgage applications are being denied because my credit report still shows I have this car ( and now 2 car payments ). I have begged and pleaded for 4 months and NOBODY not even supervisors are able to say why they will not close out this account and stop billing me for a monthly car payment.

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 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
I received a summons in the mail to appear for court for a warrant in debt. I never got any calls or any written notices of the debt so there was never an opportunity for me to try to settle the debt or dispute it. I've never heard of the company before so I don't even know what it's pertaining to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The problem is with Capital One Bank not taking the loan payment. Neither from access directly to my checking by account with routing number or through a debit card After making several attempt 's to make a payment over the phone on my auto loan '' I have no internet access '', the amount is not deducted from my account. Now I'm told I am behind and the problem is not from me but the failure to take the amount I set to be deducted from my checking account. 
Every time now when I call and request an American rep they hang up on me. 
Each time my phone has been on the speaker and another person heard everything. I have a witness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Avid Acceptance, LLC
State: VA

Complaint narrative:
My car was repossessed on XX/XX/2021. I was given until XXXX before it would be taken to the auction. I went to my lawyer to have my bankruptcy amended to include the car because I wanted to retain the car. I went to my lawyer on XX/XX/XXXX to begin the process. My lawyer was very negligent in answering my phones calls and keeping our appointments. I let Avid know that my intention was to keep the vehicle. I was told by several of their employees that they would note my account and assist me as much as they could. Their bankruptcy department was also negligent in responding to my calls and texts as well. I was still being told the car was not at the auction. My lawyer submitted the necessary paperwork on XX/XX/XXXX. Avid still was not communicating. Even after the car was taken to auction I still attempted to get it back but they said they couldn't reach my lawyer.

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 2021-12-09 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: PA

Complaint narrative:
XXXX reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX XXXX has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through XXXX and they are federal loans.

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 2021-12-09 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: PA

Complaint narrative:
XXXX reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX XXXX has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through XXXX and they are federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: PA

Complaint narrative:
XXXX reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX XXXX has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through XXXX and they are federal loans.

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 2021-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: KY

Complaint narrative:
We currently are have a mortgage with the money source. I am XXXX, my spouse is a XXXX veteran. We got behind cause my hours at work were not what they typical would be. We got behind in the mortgage. 
I reached to my mortgage company, we submitted a modification request which was suggested to me. We were denied due to them saying application missing a page but no one communicated that to me. We resubmitted application. We were told during this process not to make a payment so we didn't. Go more behind. I went and ahead & made payment last month. Found out today, we are denied again. I asked the next option. They said a repayment plan over 3 months or 6 months. I Said okay I can't do 3 months. They said, you'll have to feel out application for the XXXXmonths. I said okay. I said whats protecting my house until I know if I'm approved, they said nothing. 
I tried to make my normal monthly payment, they said since I'm on no assistance plan, they can only accept the total amount of {$10.00}, XXXX. 

This is ridiculous Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello and a good day to you and thank you for your time. 
On XX/XX/XXXX. i sent Coinbase a crypto currency wallet/app. {$2500.00} to open an account, did so with no problem, i personally wired them that amount, minus {$45.00} for the wire fee for the purchase of a crypto coin, on the XXXX. of XXXX the next day, Coinbase fraudulenty withdrew from the same account i used to send them the monies and exact {$2500.00}, for this was done without my knowledge, and with no consent for them to do so.The minute i found that out i sold what i had just bought at a loss of {$400.00}, just impossible to deal with, there app. is constantly down, customer service is just and endless loop of getting nothing done, asking the same questions over and over and not doing anything about it, extremely, extremely frustrating.My bank went in and was able to recover the second non authorized charge on the XXXX. of XXXX, other then that these people are non-existing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-09 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : 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 explanation
Consumer complaint received 2021-12-09 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NY

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
I have been having this Problem for XXXX XXXXXXXX years.My mother passed away XXXX XXXXXXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are convicted felon or have drug problem issues.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and criminal record keeping by XXXX  State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state XXXX XXXXThe Mortgage company XXXX XXXX sold the loan over to Rush More without knowing that at this point the whole mortgage was fraudulent.Rushmore gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by Rushmore loan management.This should have let Rushmore loan management know that had bought a fraudulent loan with a deceased person name on a mortgage statement.Rushmore loan management threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died in this home and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : 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 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Please be aware that this is not a duplicate complaint. I have gathered copies of documents because I did not receive any correspondences from XXXX regarding the debt they claimed I owed. A Collection has been placed on my account for a debt that I paid through a payment arrangement fulfilled with XXXX XXXX in XX/XX/XXXX to pay off the debt on the account ending in XXXX for a XXXX XXXX credit card. I am attaching proof of those payments from my XXXX Bank account in accordance to the arrangement made with XXXX XXXX. 
XXXX contacted me in XXXX regarding the debt and I had to pay the bank for copies of my statements to prove that I paid the debt. I have attached email correspondences from their company regarding the proof sent for payments made on the debt. 
XXXX XXXX XXXX XXXX XXXX is selling this debt over and over to different collection agencies after the account has been paid. I do not owe this debt. XXXX is not taking into account the payment agreement made and satisfied with XXXX XXXX in XXXX of XXXX. The account name listed on the letter is indicated as XXXX XXXX. The account name on the statement is XXXX XXXX for the account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received my credit report and saw a charge off collection from this company and said I owed {$460.00} I have never had an account with them. I had several people staying at our house so I am assuming it was one of them not sure. I contacted the credit bureau 's and they said everything was accurate and that the company says it is mine. But it is not mine no one can show me were I signed anything and I want them to prove to me I signed the original application. This debt is not mine.

Company response to consumer: Closed with non-monetary relief