vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Vehicle loan or lease — Loan
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: IL

Complaint narrative:
Purchased a new XXXX vehicle in XX/XX/XXXX. Financed a portion of the purchase price with Hyundai Motor Finance. 
The loan was paid in full XX/XX/XXXX. Received correspondence dated XX/XX/XXXX acknowledging the debt had been paid ( copy attached ).

Letter stated that it ( the letter ) " shall serve as certification and evidence of satisfaction of the above referenced retail installment contract ''. 

In early XX/XX/XXXX, an application was filed with the Illinois Secretary of State for a title with the lien removed. Due to an error in the application the lien was not removed and the title was sent to Hyundai Motor Finance. Starting in late XXXX XXXX was called repeatedly for them to send the title. These calls generally followed the same routine : The representative on the phone was polite and seemed to want to help. But they did not handle titles. Please furnish a way to contact ( a telephone number ) the individuals who do handle titles. The representative could not do that as there was no telephone number or external email address for the title department. All they could do was send an internal email, which they allegedly did several times. The reasons given for the title department not sending the title ( strange they knew the reason since they could not contact the title department except via email ) ranged from they did not have the title ( in a subsequent telephone conversation a representative acknowledged the title was logged as received on XX/XX/XXXX ), titles were only sent out on Tuesdays and Thursdays and a reduced work schedule due to Covid. 
They would send another email. On one call I spoke with a " supervisor '' who provided the same story : they had no telephone number and could only send an email. The last telephone communication with Hyundai was on Monday XX/XX/XXXX at which time I was assured the title would be sent on Thursday ( XX/XX/XXXX ). 

It is now mid XX/XX/XXXX and still no title.

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 2021-01-12 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:
Great I am writing this letter regarding unknown accounts below in the reports that suddenly from nowhere appeared in my credit report! I am sure its identity theft and I am a victim. I have no idea how that happened actually but for sure I do not know these accounts ... like could you please investigate, check and delete them. I do not know these accounts I HAVE NOTHING IN COMMON WITH THESE ACCOUNTS, I SEE THEM FIRST TIME, I DO NOT RECOGNIZE THEM SO DELETE PLEASE ASAP!

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 2021-01-12 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: FL

Complaint narrative:
Great I am writing this letter regarding unknown accounts below in the reports that suddenly from nowhere appeared in my credit report! I am sure its identity theft and I am a victim. I have no idea how that happened actually but for sure I do not know these accounts ... like could you please investigate, check and delete them. I do not know these accounts I HAVE NOTHING IN COMMON WITH THESE ACCOUNTS, I SEE THEM FIRST TIME, I DO NOT RECOGNIZE THEM SO DELETE PLEASE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay JPMCB - CARD SERVICE ( {$1700.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
on XX/XX/XXXX I signed a series of documents for myself and my wife. It was my understanding that these documents were for the freedom mortgage product titled " IRRL VA Streamline '' that carried an interest rate of 2.6 % and a reduced mortgage payment of {$2900.00}. One of the features of this product that there was no credit check for current freedom mortgage customers. The loan officer confirmed the documents completion and informed me that someone from the company will contact me to finalize. However, on XX/XX/XXXX I received an email from freedom mortgage with my credit report and a denial letter. This of course is confusing because I was not told that my credit was going to be pulled for anything. I attempted to have this issue explained and resolved by other administrative staff of freedom mortgage, but apparently this " denial '' status has essentially removed any support privileges that I have enjoyed in the past as a customer in good standing. I have spoken with a series of departments and so far no one from Freedom mortgage has made any attempt to follow up with me on this matter. After researching the company CEO 's email address, I forwarded my communication to him. The company 's Senior VP sent me an email that day on XX/XX/XXXX accepting the responsibility of addressing my issue and confirmed that someone will contact me via telephone. No one has called me since the issue began on XX/XX/XXXX. In addition, I received another email from the company 's Senior VP on XX/XX/XXXX requesting proof that I have the credit report that they sent me on XX/XX/XXXX. The credit report was sent through a system that houses the company 's documents. When clicking the link, all of the documents that I signed for the IRRL refinance are suspiciously gone and so is the hard credit report pull that was sent to me twice on XX/XX/XXXX, the error states " documents are no longer available ''.

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 2021-01-12 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: FL

Complaint narrative:
I HAVE DISPUTE THIS ACCOUNT OVER AND OVER AND NOTHING HAS BEEN VERFITY BECAUSE I HAVING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding Barclays Bank and XXXX XXXX XXXX that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, XXXX continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with Barclays Bank or XXXX XXXX XXXX in my name. The failure of XXXX to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by XXXX did not require Barclays Bank nor XXXX XXXX XXXX to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.

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 2021-01-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding XXXX XXXX and Portfolio Recovery Associates that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, XXXX continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with XXXX XXXX or Portfolio Recovery Associates in my name. The failure of XXXX to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by XXXX did not require XXXX XXXX nor Portfolio Recovery Associates to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Sams Club Credit/Synchrony Bank fraudulently reported I was 30, 60 and 90 days late on my credit report when I was paying. After I went with XXXX ( a debt management company ) to have interest rates reduced Synchrony Bank ( Sams Club Credit ) started reporting me late. XXXX reached out to them at the time and they idicated they had been sending payments to the wrong account number and said they would fix it and didn't. I reported it to my credit bureaus and they said Synchrony Bank did not change it. 

The dates in question are from XXXX to XXXX on my credit report. I have attached my contract with XXXX and all the wire payments made to Synchrony Bank/Sams Club Credit during this time.

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay BLOOMINGDALES ( {$2100.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.

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 2021-01-12 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:
My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2021-01-12 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: FL

Complaint narrative:
After noticing that Experian has been reporting an inaccurate, Incomplete account on my credit report. Experian refuses to adhere to federal laws. 

Account under the name : XXXX XXXX XXXX XXXX Account must be deleted for reporting inaccurate payment history, inaccurate name and address on file. incomplete balance owed. Experian currently reports a payment history on a closed charged -off account a clear violation of FCRA rules Account must be deleted for continuously reporting incomplete information on my credit report. 

Last date of payment incomplete or inaccurate ; a violation of FCRA rules Inaccurate name and address on account. a violation of FCRA rules. 

Inaccurate date of last activity, a violation of Federal law

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 2021-01-12 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXXollection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit 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 2021-01-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Over the past year, I have been arguing with Select Portfolio Servicing, Inc. ( SPS ) about an unauthorized transfer from my account and the missing remaining balance in my account. 
Despite the difficulty of the pandemic, I allowed SPS the time and provided all the information they need to investigate the issue. An affidavit of Unauthorized Endorsement or Altered Item was submitted on XXXX XXXX, XXXX and a police report was submitted on XXXX XXXX, XXXX. 

Recently on XX/XX/XXXX, SPS had called me saying that they have finished processing the unauthorized transaction, and recovered my balance. So there is a credit in my account of {$4500.00}, which matches with my overpaid amount to the account. I'm expecting my credit in the closed account to be sent back to me ASAP. 
However, on XXXX XXXX, XXXX, they refused to wire the remaining balance to my bank account, and tole me they will still use the method of mailing a check back to my address. I urged them to use signature required mail service or tracked mail service, and the representative from SPS Ombudsman department, named XXXX, promised that they will send out the check and give me the tracking information within 2 business days. 

On XXXX XXXX, XXXX, I called SPS Ombudsman department again, the representative named XXXX offered no updates or help, and refused to confirm my account information, quote " I can not confirm anything, sir, we are researching here and waiting for response. '' As a financial servicing company, the representative can not confirm whether my money is in my account, nor can they confirm whether a transaction of a check has been issued or not. This is NOT ACCEPTABLE. 

I worry that they will illegally hold on to my balance in the mortgage account for indefinite amount of time because now I can not access my account with my credentials, as they mentioned the account has been paid in full and closed a year ago. And the response from the customer representative is not professional at all about the next steps on how to transfer my mortgage account credit back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Balance showing on my report in the amount of {$59.00} There has been no response to any of my letters to Online Collections that is being reported on XX/XX/XXXXand also XX/XX/XXXX about this account. Letter was sent XX/XX/XXXX, and followed up on XX/XX/XXXX which has been well over the 30 days to respond to my dispute. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies. 

Date opened on XX/XX/XXXX shows XX/XX/XXXX but XX/XX/XXXX and XX/XX/XXXXshow XX/XX/XXXX. I do not recognize this account and have not gotten anything to validate this account is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 DISPUTE THIS ACCOUNT OVER AND OVER AND NOTHING HAS BEEN VERFITY BECAUSE I HAVING

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 2021-01-12 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: CA

Complaint narrative:
THIS IS MY THIRD COMPLAINT! I DONT KNOW UNDERSTAND WHY EXPERIAN IS NOT DOING THIER JOB. WHY SHOULD I HAVE TO FILE ANOTHER COMPLAINT TO GET ANYTHING DONE. BOTH COMPLAINT I HAVE FILED THEY HAVE CAME BACK WITH A ROBOT ANSWER. WHO CARES IF IT WASNT ME XXXX XXXX I HAVE A DELETION LETTER FROM XXXX XXXX SAYING THE COLLECTION NEEDS TO BE REMOVE. WHY THE XXXX IS EXPERIAN GIVING ME SUCH A HARD TIME WITH THIS.. BY LAW IF THE COLLECTION SAID IT REMOVE THEN THE BUREAUS SHOULD HAVE TO COMPLY TO IT. I WILL NOT SAY THIS IF THIS IS NOT REMOVE I WILL SUE!!!!!!!

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