vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX  that I had been marked delinquent on a Kia Motors Finance bill. My credit plummeted more than 100 points. I turned my Kia in that past XXXX for a XXXX. I called Kia the second they opened on Monday and it turns out I had a {$120.00} payment from something that they screwed me over with for not returning it to them. 

I paid it right then and there and then asked for it to be taken off of my credit because I had absolutely no contact from Kia that I had owed anything. They asked me for my address and I gave it to them and they told me that it didn't match my address on file. They had my old apartment address. However, I had in my hands ( miraculously saved ) a lease end kit that they had sent to me at my house -- -thus proving that my address was SOMEWHERE at Kia , They told me I could write a letter to dispute, but there is no phone number or email address to get in contact with the credit department XXXX I did that day and also opened a dispute with XXXX. 

Both disputes came back saying that they were not in the wrong and that it will stay on my credit until XXXX of XXXX. I have 6-8 years of on time lease payments to Kia. I paid that bill the second I knew about it ( from XXXX, never from Kia ). I have NEVER missed a payment on anything. At one time, there were five Kias in my family 's driveway. I called the number at the bottom of the Kia letter and was told that a manager would call me back in 24-48 hours. 

A very rude manager called me back and basically told me it was my fault for not changing my address and they had searched the system to send me the lease end kit, but could not answer my question as to why that same courtesy wasn't given when I was not responding to a bill that was way less than my lease payments. She told me I could open a credit dispute with XXXX  and in the middle of telling her that I had already done that she claimed that she could no longer hear me, jumbled out an 800  number with no warning and hung up. I called back the number that had called me, talked to a lady that gave me another number to call, and called that number. That woman told me that the original manager was giving me the number to the credit union and that she disconnected the call.

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 2020-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Had issues with Santander Consumer USA last summer. We finally reached a deal and refinanced my loan. And I have made 7 consecutive payments on time or earlier than the expected due date. I feel like Santander did me wrong before I reached out to their Corporate Team and that is where a new loan restructure had taken place.

I feel that I have proven myself that a little hiccup shouldn't put a customer/consumer relationship on the line. So I have a proposal for Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: TN

Complaint narrative:
On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. Transunion and XXXX  said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both XXXX  and Transunion allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. XXXX  wasnt able to verify that the bankruptcy was mine and have deleted the bankruptcy from my 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 2020-02-07 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 am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/2020, I informed Diversified that a Debt to XXXX in the amount {$600.00} was pay directly to XXXX via certified mail. I informed Diversified to cease from reporting any information to All credit bureaus and to not contact me. On or XXXX XX/XX/2020 and again on XXXX XX/XX/2020 ; Diversified continued to report negative information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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 — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
I requested a credit report from ARS ( Advanced Resolution Services ) on XX/XX/2019. 

They replied quickly by sending me a letter in which they request hardcopies of confidential documents like W-2 and paystub. 

It should be hassle-free to receive a credit report, especially without disclosing additional confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX and i have recieved letter fromXXXX   XXXX XXXX  that they were offering to pay off my credit cards and resolve problem with banks within 1 month of our agreement, we agreed that i would pay them XXXX $ a month and they will contact banks and resolve all the late payments, after i made first payment, banks still were calling me and they were saying that, they never been contacted from XXXX XXXX XXXX, then i called this company and asked them why they didn't called banks, i recieved answer that i have to make 9 payments at least and after that they will contact banks, this wasn't agreement between us, then i called my bank, which i was using for automatic payments with this company and ask them to stop payments to them and opened a claim, bank gave me back XXXX $ and just received the decision after a week that bank is taking back XXXX $ charge and i have to close account to stop XXXX XXXX XXXX to charge my account, after that i started research about this company and it seems like 99 % of clients sued them and they seem like a scammers, i need to stop this company taking my money and also looking forward to take my money back what i paid them already, there was my claim about global client solution and it seems like they are contractors to each other, i knew that they were main company which was dealing with my banks but they responded and said that they only were taking XXXX $ of charge from ammount of XXXX $ and main company is XXXX XXXX XXXX, but my bank charge says different story that money was charged from global client solution, also Global client solution said in their letter that refunded XXXX $ to my account which is a lie  and nothing was refunded on my account, please see attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Credit Service Inc.
State: OR

Complaint narrative:
They have attempted to contact my partner by phone multiple times and the first time discussed my debt information with her directly without my written permission ( which they require ). They have called her five times over the last 5 months to get payment for my debt, a few of them she missed because she was at work. The number they have been calling, which I submitted, is not my phone number. They have also only sent me a couple letters since they acquired my debt sometime last year before they took legal action against me. I did inform them, months ago, that I would have the money to pay in full when I got my tax return. 
I was not aware that they were not allowed to contact others for my debt until recently. Because of this improper communication/ miscommunication, I feel that their current legal action is unfair regarding the timing. 
I'm attaching a screenshot of the call log/history from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: TX

Complaint narrative:
Credit9 Loan represents them self as a LOAN company. When you initiate contact with them they do not identify them self as a credit repair company. They claim to be a LOAN company using this loan to pay off debt. They tell you upfront all calls are recorded. Then they tell you to stop making payments to the companies they are going to pay off. They explain this will take three to four months. That's not a loan. They state this is an unsecured line of credit. However, the only reason they would say stop paying, and this will take three to four months is because what they are doing is negotiating terms with who they will contact on your behalf. they identify all information as a loan company which is extremely misleading. They claim to be a cash Disbursement Department, however if its taking three to four months there is not any cash being disbursed, instead they are trying to work out a payment plan. Their misrepresentation needs to be stopped. I am attaching the information this company misrepresents them self as.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. XXXX  and Experian said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both Experian and XXXX  allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. Equifax wasnt able to verify that the bankruptcy was mine and have deleted the bankruptcy from my 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 2020-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have reported Bridgecrest as stolen I identified opened a account without my knowledge they too the original acct off but Bridgecrest sold that account and XXXX  put it back on wont remove it after it the the same account they removed before. Same issue with the sprint account on XXXX  they rude and dont listen to your statement or the FTC report sent I want those 2 accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern Fifth Third Bank is reporting a 30-day late payment on my credit report for the month XX/XX/XXXX. This is an erroneous error. 

I made two payments for the mortgage payment for the month of XXXX, A payment for {$2400.00} posted on XX/XX/XXXX and a payment of {$1000.00} was posted on XX/XX/XXXX. Totaling the full amount due for the month of XXXX of {$3400.00}. So at no point were the payments a full 30 days past due. 

I tried to resolve this several times with Fifth Third Bank but I was not successful in getting them to properly investigate it. 

I am currently applying for a mortgage and the late mark is affecting my credit score and approval Please find my bank records, Mortgage Statements, and credit report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NY

Complaint narrative:
XXXX  XXXX Account # XXXX I paid this account off in XX/XX/2011.

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 2020-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Our home was scheduled to be sold in a foreclosure sale on XX/XX/2020. I received a call from XXXX, who works in the Loss Litigation department of Lakeview XXXX  on XX/XX/2020 at XXXX and she informed me that Lakeview XXXX  was going to modify my loan to prevent our foreclosure. This loan modification would lower our mortgage payment and the past due amount of approximately {$25000.00} would be added to the end of the loan. XXXX requested me to complete a loan application and send her my bank statement, check stubs, award letters, child support verification, etc by Monday, XX/XX/2020. Attached is the email XXXX sent me on XXXX XXXX. On Monday, XX/XX/2020, I emailed the completed loan application along with the documents requested. See attachment. On XX/XX/2020, I contacted XXXX to verify if she received my loan application and documents, and she stated that she would put those documents into her supervisor, XXXX XXXX ( Loss Litigation Loan Processor ) inbox. XXXX told me that she was going to expedite the loan modification process since we were only a few days away from the foreclosure sale. She also instructed me to call back on Friday, XX/XX/2020 and verify that XXXX had everything they needed from me. When I called back on Friday, XX/XX/2020 XXXX told me she never received my documents. I reminded XXXX that we had a call on Monday XX/XX/2020 where she stated she received my documents. I was on the phone with XXXX for 2 hours trying to get this straightened out. XXXX found the documents and said that everything was good to go. 
At the end of the call, XXXX told me that she had good news. She stated that " I am taking your house out of auction so that it can't be sold ''. On XX/XX/2020 XXXX called and stated that she was missing a few more documents and that her supervisor XXXX XXXX would send me an email regarding the missing items. Attached is the email from XXXX. I asked XXXX if I needed to send these documents right now or could I send them when I got off work. XXXX stated that I could send them when I got off. On XX/XX/2020, I emailed XXXX the documents she requested. See attached email. I called the Loss Litigation department four times on XX/XX/2020 trying to verify if the documents were received. I was unable to talk with XXXX, but the customer service representative assured me that if I sent the documents to the email address provided, that everything would be ok. On XX/XX/2020 at XXXX, XXXX called and said " This is the worst call I've ever had to make. Your house was sold. I'm sorry. The house is sold. A third party bought the house and it was a cash offer. You need to contact the attorney ''

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 2020-02-07 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 ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX  only CAP1/WMT Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX CAP1/L & T Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Dates:XX/XX/2020 Amounts : {$520.00} {$500.00} {$200.00} action taken by you : Consumer Financial Protection Bureau File a complaint Paypal unable to refund my money that belong to me misleading advertisement receipt say contact Paypal for support . Contacted Paypal No support Permanent limitation Contacted US Congress XXXX XXXX XXXX Delegate to United States House of Representatives Office seemed powerless to stop Paypal from limiting accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have been attempting to sell m home via a short sale since XXXX of 2019. My lender Mr. Cooper has not cooperated with me throughout this entire process. My realtor has been assigned several negotiators and each time the short sale process had to start over. The last negotiator that was assigned had been giving my realtor false information via XXXX. One example being that my property had to go through a short sale valuation program via XXXX. She told my realtor several times that she was waiting for a date for the property to go through the program when the whole time the property was denied for the program. Secondly my property has had at least 8 valuations done, both appraisals and BPO 's, all consistently coming in around the same value. Several different offers were submitted for full price of the value. They were denied because either the negotiator/lender allowed the values to expire or excessive fees as the lender stated. My realtor worked to get the fees removed or reduced as Mr. Cooper asked and resubmitted the offer. The negotiator has allowed the offer to sit on her desk for over 30 days stating the internal system wont update and that she cant do anything until Mr. Cooper fixes the system. Now I have a sale date and the lender wont stop the sale date to review and approve the latest offer. To me it feel as though Mr. Cooper is trying to force me into foreclosure instead of helping me as they state they will. The negotiator XXXX XXXX is pretty much very non responsive and doesn't really seem to care about my situation as well as the rest of Mr. Cooper 's staff. I have done everything that has been asked of me. I have called Mr. Cooper several times to try and assist my realtor to help move the process along with selling my property but haven't gotten anywhere. To me it doesn't make any sense that I have a BPO done on my property on XX/XX/XXXX and on XX/XX/XXXX, the internal system for Mr. Cooper is not updated to show that value and therefore the negotiator chooses not to do anything with my file other than says she has to wait until the system is updated and the valuation is updated. That's 30 days that has been lost and the amount of time we have been waiting on an answer in reference to the offer that was submitred with the fees waived or lessened as Mr. Cooper asked. Its also mind boggling to me that all the offers that were denied, were denied pretty much immediately but this one has been delayed or ignored after all instructions were followed after being told what was need by Mr Cooper. Mr. Cooper and the negotiator XXXX XXXX needs to be held accountable for this. I am losing my home to foreclosure and they aren't willing to help only willing to push me further into foreclosure. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express contacted me and made me an offer to pay an outstanding balance as agreed on XX/XX/XXXX. We entered into a contract and they sent me a letter of confirmation of offer on XX/XX/XXXX. I made a payment in full in the amount of {$1100.00} on XX/XX/XXXX and American Express mailed me a letter on stating that agreement has been met. 

I was shocked to receive a Cancellation of Debt letter from American Express Company mailed to the week ending XX/XX/XXXX. In the letter it shows that after 30 days after we entered into a contract on XX/XX/XXXX they breached our contractual agreement and issued me a Cancellation of debt notice in the amount of {$1100.00}. American Express has breached our agreement for a total amount of {$2200.00}. This has not only imposed a monetary damage on me but it has also impacted my credit standing. American Express engaged in unfair business practice by entering into a contract with me and then breaching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NY

Complaint narrative:
XXXX  XXXX Account # XXXX I paid this account off in XX/XX/2011.

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