vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My credit score was ruined by Hyundai in this difficult for our family times. It was lowered by 200 points. It is affecting our family and we are unable to take loans.

I paid Huinday all the fees and returned the car back. There was an additional fee of {$400.00} dollars when I returned my vehicle that they didn't tell me about it, and I wasn't aware of. I never received a single letter about the new balance after I returned car because we moved to the new address.

I ask you to contact them because if I knew or received a letter from them, I would pay my balance. Now our credit score is ruined. I have a XXXX  and my boyfriend lost his job because of COVID-19. I am head of the household. This is affecting us. 

thank you very much. 

Here is the confirmation of my final payment of {$400.00} to Hyundai motor finance. I paid the remaining balance. 
Last Payment Confirmation : XXXX Hyundai account : XXXX Note : On XX/XX/2020, I spoke with Hyinay finance representative Mr. XXXX explaining the situation, and he said there is nothing that Hyinday is going to do to restore my credit. They are not even going to attempt to contact the credit agency to correct this matter. 

Also, please note, this was the time when I had my XXXX  and my XXXX  was in XXXX XXXX XXXX XXXX. That was another reason that this situation needs to be resolved. If I had received their letter and was aware of the bill, I would pay the balance. 
Now they ruined our credit history and even capable of hearing the reason why we didn't make the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
i applied fora refi with quicken loans and was conditionly aprooved i sent all the paperwork to them wich i had to cotact my crediters for info which quicken loans should asked for spent many hours on the phone and had them send the paperwork to quick and loans and rocket morgage it should have been that they should have requested info from my crediters. they told me that my loan should close within 30 days but did not happen it went to sixty days with no closing i complaind to them and they became irate. l the last step was to send them my last 18 montes payments for speacilized loan services when we tried to make a payment that we should not make any paymen because they were in transition with XXXX XXXX XXXX wich they bought out my loan.tried to make the payment to XXXX XXXX XXXX but they told us not to pay for XXXX so wewaited for a month and made a doeble payment to XXXX XXXX XXXX when i sent the payment state ment to rocket borgage my wife added an explaination about what happend but they would not except the explaination its a no brainer in there behalf we paid XXXX dollers to a appraiser which we had bite it and lose. i dont know why quick and loan are so accredited hope people get wise and do not apply with rocket and quiken loans they are a scam ie we made a double payment in XXXX to bring it current my wife and i never late on payment and no late pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AK

Complaint narrative:
I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!

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 2020-07-23 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: TX

Complaint narrative:
Equifax continues to allow XXXX XXXX XXXX to report inaccurateinformation to my credit file. 

XXXX is reporting a late payment for XXXX & XX/XX/XXXX. Payments were made on the XXXX of the month both of those months. The payment due date on this account was the XXXXof each month. There are previous payments made on the XXXX of the month during the year of XXXX that were not reported as derogatory. 
When I log intomy XXXX  account right now it shows a huge inaccurate amountis currently owed on the account. When I log into the account XXXX shows that I owe a balance of {$1300.00}. This just goes to show how glitched and inaccurate the system holding my information is. 
This account was closed and paid in full on XXXX by my insurancecompany after being deemed a total loss. This account should be reporting closed and paid as of XX/XX/XXXX. 

To be clear there were no late payments in XX/XX/XXXX XX/XX/XXXX or anything reported after XX/XX/XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
I have attached documents to prove that XXXX has inconsistent information on my account and IT IS inaccurate. This is not in accordance with the FCRA. It is your obligation as a credit bureau to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!

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 2020-07-23 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: PA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've tried several times to have my creditors update my current employer to Equifax. At this time it is reporting the wrong employer. My employer should report as : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: LA

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my TRANSUNION REPORT XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Millco Management
State: NC

Complaint narrative:
A collection agency named Amerifinancial recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. Amerifinancial never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I received an email to settle a loan I had from cash net USA for half of what I owed. The email said I could make payments if I couldnt pay the full amount. I called and offered them XXXX today and the rest on XX/XX/XXXX. They agreed and setup the payment for XXXX for today and the next payment on the XXXX. 

They took both payments out of my account today without my permission. They stole it from me. 

They are also operating in violation of Virginia state law because I have two payday loans at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I VISITED THE BANK OF AMERICA BRANCH IN XXXX XXXX XXXX, CA ON XXXX   XXXX, 2020, ALSO THE XXXX   XXXX XXXX, XXXX, BRANCH BECAUSE THEY WERE SUPPOSED TO BE OPEN FOR BUSINESS FROM XXXX   THRU XXXX ACCORDING TO THE BANK 'S GENERAL TELEPHONE LINE- ( XXXX ) XXXX. IN REALITY, THEY WERE ALL CLOSED. THEIR FRONT GLASS DOORS HAD MULTIPLE SIGNS -- CLOSED, CLOSED. NO EXPLANATION GIVEN AT ALL! 
THEREFORE, I FEEL THAT I SHOULD REPORT THESE UNETHICAL BUSINESS PRACTICE TO YOU FOR TWO REASONS : 1 ) FAKE MESSAGES TO DISTRACT THE CLIENTS, 2 ) LOSS OF OUR PRECIOUS TIME TO TRANSACT OUR TIME SEN- SITIVE BANKING NEEDS, 3 ) ALTHOUGH THE ATM MACHINES ARE OPEN, THERE ARE TRANSACTIONS THAT CAN NOT BE PROCESSED BY THESE MACHINES., THESE TRANSACTIONS NEED A LIVE BANK CUSTOMER REPRESENTATIVE TO PROCESS AND PROVIDE A RECEIPT AS PROOF OF SERVICE AS OF THE TIME OF THIS WRITING, I AM STILL UPSET AS TO THE BAD BEHAVIOR OF THESE BANK PERSONNEL! NO COMMON SENSE!.

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 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Strada Education Network, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, 2020, I received an email from Student Connections on behalf of XXXX College. The email listed an incorrect address for XXXX XXXX. XXXX XXXX is part of XXXX and the email instead listed the address for correspondence to XXXX XXXX XXXX XXXX XXXX ( which is part of XXXX ). As such, I was provided with false and misleading information that, had I chose to incorrectly contact XXXX at that address, could have jeopardized the ability to correctly pay my loans.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-23 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: MD

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
COLLECTOR KEEPS CALLING MY CELL PHONE 6 TIMES AFTER I TOLD THEM TO STOP, THEY ARE SKIP TRACING FOR MY DAUGTER 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 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I deposited funds totaling {$15000.00} XX/XX/20 to qualify for Citibank Bank 's {$500.00} bonus. I met all of the qualifications and the bonus was not paid. I called Citibank numerous times and they had an excuse each time. and they were not able to pay the required bonus by XX/XX/20, nor were they able to tell me why. XXXX XXXX Phone number XXXX The accounts involved Account # XXXX. 

Here are the terms of the offer Earn {$400.00} when you open a new checking account and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account  opening, for a total of {$500.00}. 

Please help me. 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 monetary relief
Consumer complaint received 2020-07-23 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: PA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: PA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone sent a check from XXXX to buy shies he sent more money than expected of XXXX and let me send the money to a shipping company through XXXX so i sent the XXXX through XXXX once i learned it was a scam i reported it to the bank wothin two business days as per eft act i am not liable for anything as i reported it within 2 business days im struggling right now die to covid hope this gets resolved i have the email address to whom i sent through XXXX the check and dates and address of where he shopped the check. Sent it through bank of america app and already got a response that they cant do nothing

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 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I was Approved for a small XXXX cash advance that I needed to be able to has vehicle Pnc denied the company to sync bank account Im doing right by avoiding overdraft negligence I make a great biweekly salary that has taken its toll yes I am working but doing way more we are having to deliver services which the company is not compensated gas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A collection agency named XXXX recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. XXXX never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A collection agency named XXXX recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. XXXX never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of 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 non-monetary relief
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 2020-07-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation