vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I purchased a new car from Kia Motors Finance in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to Kia by the USPS. I went to the dealership who told me that Kia would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. 
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: DE

Complaint narrative:
I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX , Us Dept of Education # 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 explanation
Consumer complaint received 2021-05-14 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: DE

Complaint narrative:
I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX XXXX XXXX/ XXXX  , XXXX XXXX , Us Dept of Education # 15, # 49, # 004, # 003, # 002, # 001, XXXX XXXX # 97, 61.

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 2021-05-14 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: NC

Complaint narrative:
during XX/XX/2021 i noticed that my identity has been stolen in fraud and used fraudulently to seek treatment

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 2021-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX falsely claim or imply that they were government representatives Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency Using any company name other than the true name of the debt collectors company XXXX XXXX pretended to be a government representative and sent a falsely represented official document from a court or government agency and did not at one time say that she work for XXXX through the written communication. 
They sent the attached wage order document to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent Outsourcing is continuously reporting the same debt that is not owed by me for their client XXXX I have repeatedly asked the company and the companys they keep hiring to provide me the phone calls and case notes showing that XXXX never provided me with the service they I was falsely sold. 4 years later I have not received this information and now Convergent malpractices reporting the same account and money 3 times in a 2 week span. If you review my credit, I pay my bills and no debts for the past 10 years. They are doing this intentionally trying to use tactics to damage my credit. This should not be allowed to be done and should be considered against credit collections.

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 2021-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I purchased a new car from XXXX XXXX XXXX in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to XXXX by the XXXX. I went to the dealership who told me that XXXX would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a XXXX point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. 
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help 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 2021-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I walked into XXXX XXXXXXXX in XXXX XXXX today to perform a simple lease buyout of my 2018 XXXX XXXX that I leased in XXXX of 2018. The woman I dealt with XXXX was extremely helpful, knowledgeable and nice. After she had taken my information and I had informed her I was paying cash for the buyout XXXX XXXX walked over and insisted he had to run my credit in order to accept cash for the vehicle, which I refused. I have worked in XXXX for 17 years and I have never heard of a company having to run my credit to accept a cash transaction. This is even more ridiculous because the lease is through XXXX, so it's financed through their finance department. I refused the inquiry as I am in the process of purchasing a home and do not need additional hard inquiries on my credit report for no reason. The argument became heated and he remarked, " We can either run the credit or you can't buy the car, and I'm not wasting my time on a transaction I don't make any money on ''. So I refused and left. XXXX XXXX  after arriving home I received a notification through XXXX that XXXX XXXX via XXXX had made not ONE but TWO hard inquiries into my credit. I did NOT give him permission to do so, and explicitly refused a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
XXXX obtained my credit report from Experian without my authorization. My Experian account is frozen, yet XXXX claims they obtained my report. My auto insurance provider XXXX XXXX XXXX obtains a Insurance Score from XXXX ( see attached documents ). I requested a copy of the report from XXXX which they sent and they site Experian as the source of the credit information.

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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I, XXXX XXXX, the mortgage holder of # XXXX at property XXXX XXXX XXXX XXXX ca XXXX am writing you regarding phh XXXX refund owed to me. My account was paid in full XX/XX/2021 and a check of {$6200.00} was sent to me due to escrow overage. I requested they return money to sender which they did because i did not refinance my loan and under impression only i could do that. So phh XXXX  did claim to return money and stated i could not cash check if i was requesting money be returned. However phh XXXX once again excepted payoff under my name and account and i have not received a resending of the {$6200.00} escrow overrage i was entitled to nor a payoff letter of when mortgage was repaid in full or that my case is now closed. I am request phh mortgage resend my refund of {$6200.00}. Send me letter of date and amount paid off and that my account is now closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Beginning of XX/XX/XXXX we were on a 6 months forbearance program due to pandemic, later in XXXX we continued another 6 months of the program. However in XXXX we filed for modification. We got approved in XX/XX/XXXX with the modification. We were not notified with the modification approval or received any paperwork. 
On XX/XX/XXXX the XXXX company called us and advised us that we are required to do a payments for the months of XXXX in the amount of {$4800.00}. We made a payment via phone to this company for the exact of {$4800.00}. This payment was taken from our bank and we have the bank statement to show the proof of payment. However till today XX/XX/XXXX the payment has NOT being posted to our account. We tried to solve this issue with this company for over a month and half, with several phone calls and yet this issue has not being solved. 
We resumed our normal payments. But {$4800.00} has not been posted, we are getting charged with interest on this and also getting multiple delinquent calls harassing us.

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 2021-05-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
( Confidential info attached, please redact ) I have discussed with Citibank multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call Citibank multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that citibank agreed to remove, but the internal process of citibank is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Capital Accounts, LLC
State: GA

Complaint narrative:
Capital Accounts is in violation of my HIPPA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XXXX loan servicing never sent my refund check in the alotted timeframe the law provides. I have called multiple times over and over and over. I was promised that the payment would be overnighted. It never was. I called back and they gave me a random number, they called a tracking number. XXXX It was not a tracking number. XXXX could not find who the check was sent through. She said maybe USPS, XXXX  or XXXX. I searched the tracking number on each service and none of them came up. She then told me she doesn't know if it is an I or an L. She made up a random number for a tracking number and the check was never overnighted or sent out. This happened before where they told me and promised me that it would be overnighted. It came over a week later in the regular mail. This is alot of money. This was my food money for the month. I have had to go to the food bank, who only was able to give me enough food for my daughter. I have not been eating all month because of XXXX XXXX refusing to send my refund. I have lost over XXXX pounds because of this. I am starving! I want to pay my bills! I want to be able to buy my daughter new diapers instead of washing non reusable diapers and reusing them. This is unaaceptable from XXXX, well it's obviously acceptable to XXXX, but not acceptable by my terms. They just transferred me to somoeone in XXXX who barely spoke english and had no clue what was going on. 
Got another tracking number after that XXXX, which reflects the check was sent 3 day and not overnight. It says it was delivered. It was not. The rep would only tell me to wait for it. Wait for the check that was delivered to the wrong address? So someone else can cash it? 
This company is unbelievable. 
I'm currently on the line begging for a new check to be sent out since it shows it was delivered to the wrong address. The guy keeps telling to wait for it to be delivered. He is in the offshore callcenter and has no clue what I am saying. He just keeps repeating the same scripts. Scripts having absolutely nothing to do with what I am saying. 

Also I can only call in to supervisor lines, when I call customer service the phone tree says my loan is paid off and refuses to let me speak to someone. 

I tried logging into the website and its making me 2 factor verify, but its not sending me the verification code. So I cant call the call center, I cant access online. How do I do anything except submit a complaint through CFPB. CFPB is the only way that I can get someone at XXXX to even acknowledge me.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 2021-05-14 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: AZ

Complaint narrative:
On XX/XX/2021, I filed for a validation of debt with the credit bureau 's Equifax, and XXXX. As well as the XXXX XXXX XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( XXXX, Equifax XXXX Thank You, XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: MO

Complaint narrative:
I have produced the evidence and law for the inaccurate public record reported on my credit report and I can't see my score.

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 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My bank was bought by BBVA USA and recently merged within the last week and I have been unable to access my accounts or get ahold of any customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not have a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
( Confidential info attached, please redact ) I have discussed with XXXX multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call XXXX multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that XXXX agreed to remove, but the internal process of XXXX is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is 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 2021-05-14 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: NY

Complaint narrative:
( Confidential info attached, please redact ) I have discussed with XXXX multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call XXXX multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that XXXX agreed to remove, but the internal process of XXXX is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is 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 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I recently purchased a house with LoanDepot.com LLC as my loan servicer. The transaction was closed on XX/XX/2021. As part of the closing, I prepaid {$4500.00} to LoanDepot for 6-month county property tax due on XX/XX/2021. My monthly contribution to an escrow account held by LoanDepot is {$780.00}, covering future property tax payments and home insurance premium. 

In the week of XX/XX/2021, I started to enquire LoanDepot when they would settle my property tax payment. Later it turns out that LoanDepot made duplicated payments to the county, once from my escrow account on XX/XX/2021 of {$1100.00} and a second time from my prepayment. After deducting a duplicated tax payment of {$1100.00} from the original prepayment of {$4500.00}, LoanDepot deposited the remaining balance of {$3400.00} as an initial escrow deposit to my escrow account on XX/XX/2021. 

As of today, XX/XX/2021, XXXX County, Washington, only posted one receipt of {$1100.00} on XX/XX/2021 ( receipt no. XXXX ). After several correspondence with LoanDepot, they admitted that they mismanaged my escrow funds and sent a duplicated tax payment. They claimed that they were communicating with XXXX County to seek a refund. There was no details of actions disclosed and there was no response from the county. LoanDepot kept emailing me postponing the deadline to solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: FL

Complaint narrative:
I have inaccurate accounts on my report that does not belongs 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 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halsted Financial Services falsely took out money out my account without me agreeing to it. I was suppose to pay XXXX to these people every two weeks was never told about a XXXX processing fee so they took it upon themselves to take XXXX out of my account and XXXX. I am not paying these people more than I agreed to. Then they send receipts saying they took out XXXX and not the real amount they took out. I am reporting them to my bank for fraud.

Company response to consumer: Closed with explanation