vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have been actively paying down my car loan with Kia Motors Finance. However, not all payments have been properly applied to the principal balance by which they calculate the next month 's interest payment. I have been getting overcharged on interest payments for nearly six months now and have reached out starting with an email in July. My payoff balance is significantly higher than what I should owe based on the amount of principal I have paid down. 

Having received no response I followed up with calls on XXXX [ ], XXXX [ ] and XX/XX/XXXX. 

I spoke with managers on two occasions but was never given a satisfactory response that my issue was being corrected. I am now nearing having the loan paid off but am not sure what will happen if they try to tell me that I owe the incorrect, higher amount.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never had a credit card my name was compromised

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never had a credit card my name was compromised

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.

Complaint narrative:
dates : XX/XX/2019 amounts : {$400.00} actions : contacted the city bank consumer service, then contacted the banker and followed the new instructions they showed to me. Then contacted the banker, but didn't reply to me for two weeks. And contacted the consumer service, still didn't explain to me.

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I applied for a refinance through an offer with XXXX XXXX. With this deal I was supposed to be able to get a {$2500.00} credit when I closed a loan by XX/XX/20. 

I am now being told that I am not still eligible for this credit as the company cancelled out my application, not at my request and when I was still attempting to get into contact with the proper licensed advisory. They had me fill out a new application, but are now saying that this is not eligible for the promotion. 

This feels like they cancelled this out in order to keep me from being able to execute on this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX/XXXX/XXXX XXXX/XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then Experian flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.

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 2020-09-09 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: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
On XX/XX/2016 a derogatory account was placed on my credit file from Wakefield & Associates . Upon further research this unverified account was transferred and sold, and I am not responsible for this account. Wakefield & Associates has not verified or validated this collection, also there was NO written form of communication, contract or signature for the accused debt at all. A bill with no signature does not validate the debt and anybody can send a bill and say it's mine. According to FCRA, Wakefield & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE

Complaint narrative:
Date : XX/XX/2020 Amounts : XXXX It's the annual fee, I agree with that. But the main thing is, I never agreed with over credit limit spending. It caused my credit score to significantly dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then XXXX flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.

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 2020-09-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hello, I received an email from Experian on XX/XX/2020 saying that my credit score had changed. When I went to view it, it had dropped 22 points. When I called them I was put on hold 4 times with no answer over a period of 2 hours. 
When I got through on XX/XX/2020, I was told that all Experian could do is tell me my score and review it compared to the other bureaus. They did that and only found {$1.00} difference in balance at the end of the month. The other bureaus show no change in score thus far. 
Today XXXX, I went to look at my Experian score through my XXXX card to see that that site did not reflect a 22 pt decrease. 
Experian could not tell me why this drop happened and the manager,  XXXX, told me it was a federal law that prevented her from giving me more information, but could not tell me what law. She was discourteous with me and told me I had to hire a private consultant to explain my report. 
I would like more information about this law and this information. 

A 22pt drop is too big to just be notified via email with no information and then be told I had to hire someone to learn more. Fortunately, my score is very high and 22 pts does not affect me a lot, but this is very poor practice, not consumer protection. It leaves me worried that something is happening with my finances, at a time when I already have too many worries. I am very old school and stay very current with all of my accounts and always check discrepancies. I need more information. 

Please inform, ASAP Thank you, 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 2020-09-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a XXXX gift card from the XXXX website for my Fathers birthday. My credit card was charged. After 3 weeks, my father did not receive it. I contacted customer service and found out that the card was sent to the wrong address ( per their error - I inputted the address correctly ). They are not refunding my money nor providing a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
The shock came during the week of XXXX XXXX. We were devastated to learn that my husband was victim of a telephone scam, the banks securities had failed, and the savings can not be recuperated. He had been called supposing from the SSA and they had told him there were charges on him and that the social security number had been used for drug trafficking and money laundering. He was so scared of having to go to prison and not being able to see our daughter and me that he believed the story. Additionally, he was told not to tell anyone about this because else it would go public. He was tracked for a week and when they found out he was about to transfer all our savings from XXXX to here ( {$260000.00} ). The scammers told him that he needed to send the money to a safe account in XXXX. He would then get the money with his new Social Security number which would not have any charges on it because they now were sure that he was not involved in any drug trafficking. We already had the contract for a house and the money from XXXX was supposed to be the down payment. Of course, no money came, and my husband broke down and we had to cancel the house contract. We reported this to the police and the FBI, but nothing is happening. Also, the involded banks ( Wellsfargo and  XXXX XXXX ) are not very cooperative. {$30000.00} USD had been transferred from our Wells Fargo account to the fraud account in XXXX. We had just opened the account, transferred some money into the account and the bank knew that we were planning to buy a house. How could they have not asked for a reason for us to transfer all our money to a known money scamming country? Why are there no extra security checks in place for these types of suspicious transactions? My husband was blackmailed, and it should have rung all the bells within the bank. 
We have asked the bank to try to stop the transaction and get the money back but they said that they had tried but not succeeded and that it was our own fault. 
Wells Fargo allowef the transaction on XX/XX/2020 XXXX . The XXXX XXXX XXXX allowed following transactions. Transaction Amount : {$140000.00} Transaction Date : XX/XX/2020 and Transaction Amount : {$90000.00} Transaction Date : XX/XX/2020.

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 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota was nice too give me deffered payment back in XXXX too XXXX I recently made 2 payment on my car loan I asked for lower interest and  deffered payment was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK
State: MD

Complaint narrative:
We obtained a HELOC loan in XXXX against our home at XXXX XXXX XXXX XXXX, MD XXXX. In XXXX the housing market crashed and they froze the account so we could not use it and we have been making payments ever since. In XX/XX/XXXX they said that the terms have changed and that my payment would be {$950.00} per mo. from under {$300.00} for all those years. 
We noticed on our credit report that they changed this from a HELOC to a VISA credit card, ( which i did not want a credit card ). It shows up as an installment loan and it is affecting our credit score. We have worked very hard to get our credit score up and this has put us at a stand still. We can not refinance because our scores are not high enough because of this VISA card. It appears on our report that we have over {$85000.00} worth of Credit card debt, when in fact our credit cards are less than {$5000.00}, when they changed the status of this HELOC it looks like we have racked up cc bills to {$85000.00}. 
This is also a 2nd trust against our home that shows up. How can it be both? They will not let us refinance because they don't do loans in MD anymore. We do not have {$83000.00} to pay this off, this is supposed to be paid in full when our home sells. 
We are a hard working family, and we feel that we are being taken advantage of, all we ask is they change the way they report this, not like a credit card but a 2nd mortgage., we have no problem with making our payments and paying off when we sell but in the meantime, we really need help getting them to change this. 
We thank you in advance for helping and we look forward to hearing back from you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have had a confirmed fraud case on my credit account with XXXX XXXX XXXX. I have submitted a claim previously with all three credit bureaus. XXXX has removed all inquires that were due to fraud as well as placed a fraud alert on my account. I have multiple credit inquires that are on my credit with the other bureaus that were not authorized by me. Please delete the inquires and place a fraud alert. The XXXX  XXXX XXXX XXXX and XXXX  were authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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