vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing today due to my enormous frustration with capital one. I feel like I am starting to exhaust every avenue available to me. 

Im writing because I noticed that my most recent credit report contains late payments reporting ( 60 days late in XXXX and XX/XX/XXXX ) for my Capital One Auto Finance account number. These late payments occurred as I traded my XXXX XXXX XXXX ( financed through capital one ) for a XXXX XXXX XXXX. My XXXX was in the hands of my local XXXX dealership in XX/XX/XXXX. I have also sent a letter from the financial manager from the dealership to capital one, explaining that they were responsible for paying the full amount upon trade in XX/XX/XXXX. I have been a member of Capital One since XXXX and have had an exceptional payment history since. I have never occurred a late payment with Capital One and will continue to do so. 

Id have an excellent repayment record if it wasnt for the late payments placed on my credit report by capital one in XXXX and XX/XX/XXXX. I make my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. I have reached out to capital one, attempting to dispute these late payments but every time I call, I am constantly being forwarded to a new representative on the phone who just tell me to learn from my mistake and deal with it. I am a XXXX  working on the frontlines and I have never been treated so poorly from a company that I had nothing but respect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I purchased a new XXXX XXXX on XX/XX/2020 and setup the financing through Hyundai Finance. When I received my First statement from Hyundai Finance, I setup my XXXX XXXX  Auto bill pay to pay this bill on theXXXX. of each month ( payment Due on the XXXX ). The first payment ( XXXX ) was posted and the following month XXXX statement reflected the payment made. The next ( XXXX ) payment was sent on XX/XX/XXXX. The XXXX statement showed no payment made for XXXX, so I checked my checking account. XXXX XXXX  took the {$600.00} from my checking and sent the funds to Hyundai on the first of XXXX. I checked with my Bank and they verified that the fund were sent and received but not cashed. I asked my bank to cancel that check and reissue another check, they did, but it did not post. I called Hyundai and told them about the problem on their end and requested them to waved the {$30.00} late fee. Hyundai Finance said they would get back to me about the payment. The same thing happened in XXXX. On XX/XX/XXXX I checked if my check cleared and it did not. I contacted Hyundai Finance and paid the payments for XXXX, XXXX and XXXX on XX/XX/XXXX over the phone and setup with Hyundai Finance to debit my checking each month. Note the XXXX payment was made before the due date. I wrote two dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX. Hyundai reported to XXXX XXXX that I was three months late in XXXX and after my XXXX dispute letter HF revised the credit reporting to just one late payment in XXXX. Which prompted the next dispute letter on XX/XX/XXXX. I submitted the HF loan agreement that stated my first payment was due on XX/XX/XXXX. I have contacted HF and they refuse to remove the one late payment. The XXXX Branch manager informed me that their investigation in to this was that Hyundai Finance had changed their mailing address after the first payment was made and never notified us of the address change.

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 2020-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
Since XXXX  I have been out of work ( Non essential and I live in CT where they bring us back to phase 2 like nothing ) So my load with Sheffield was extended, once I reached the Max extensions and STILL was not working due to XXXX, I called and actually requested what they called " Special '' permission to get more of an extension beyond what they normally do for 1. The state I live in simply shuts down every 10 mins, 2. Unemployment ran out and 3. at the time of my asking for the special permission my entire family actually had XXXX. 

Thank God my request was approved on XX/XX/XXXX, I get a call today saying it was NEVER approved and I'm now late and they will be reporting it to my credit and would hear NOTHING!!!! 

How is this legal? and during such a trying time in this country? 

Not to mention I believe our Gov in CT put an order that all installment loans and Mortgages are suspended while we are on this phase.

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I did not apply for these accounts I have XX/XX/XXXXservice

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I banked with USAA bank back in XXXX. They closed my account one day out of nowhere without any explanation. I lost my card once or twice while being with them and one of the times I believe it was stolen and used by someone else. Shortly after i received my new card i went into a store to try to make a purchase and was told my card has been disabled indefinitely. I was unsure why this was happening so i called and they only told me " security reasons ''. I again called a few weeks later and the same was said, only this time i asked how long it would take and they basically said it wouldn't come off anytime soon. And that in the meantime " try to stay clean, make payments on time '' and things of that nature. I am completely confused at this point. Now XX/XX/XXXX i am in need of some affordable car insurance and i want to take advantage of my mother 's veteran status. She recommended i try USAA again and still after two years the same nonsense. They go as far as to tell me they want no dealings with me because " they took a loss ''. I am completely uncertain as to what loss they are talking about because anything the person did who recovered my lost card has nothing to do with me. I ask for a third time what is the reason behind this. All the guy did was reiterate that statement and said i will be responded to with a formal reason in 24 hours. That was weeks ago. In conclusion i have not gotten a proper reason as to why my account was closed, especially with no notice as swiftly as it was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Direct Account Management
State: AL

Complaint narrative:
The company Direct Account Management contacted me on XX/XX/2020 XXXX yesterday ) in regards to possible student loan forgiveness. They seemed to be a legitimate company due to personal information regarding my loans they were able to provide, but I now believe they are fraudulent. They called to help me fill out an application to see if I qualify for any Federal programs for loan forgiveness and/or repayment. Using my personal information, like my social security number and emails, they were able to access loan servicer accounts ( XXXX XXXX, XXXX XXXX, and my FSA ID account ) to see how much I owed. They said they submitted the application and required paystubs ( which I did not provide ). My " loan advisor '', XXXX XXXX, said I qualified for income-based loan forgiveness and explained to me how much I'd be owing to the program ( it was explained that the program would pay off the servicer and I would pay the remaining part of the loan, that was not forgiven, back to the program ). After this he provided documentation that I needed to sign virtually. I was not given enough time to actually read and fully understand what i was signing and pressured me to sign it, which i did. I did not feel comfortable signing the document and I did not understand what was actually in the document. They had access to my parents private information when looking for my loan information and it is unknown if they used it or plan on sharing it ( or mine ) at this time. 

I have been trying to cancel all services with them, as well as, rescind all information that was provided and documentation that was signed. 

The following documents were signed and are attached below ( all information blocked out ) : - Document Preparation and Service Agreement - Exhibit " A '' to Service Agreement Fee and Service Schedule - An Exhibit " B '' was not listed - Exhibit " C '' to Service Agreement - Disclosures and Acknowledgements - Limited Power of Attorney - Selection of Method of Payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
Failure to validate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Purchased my home on XX/XX/XXXX and my property taxes were included in the closing total for XXXX. After about 2 months the mortgage was sold to another company. I have been calling and sending the tax bills to them since XX/XX/XXXX and as of yesterday they still have not released payment from my escrow account. I have also reached the tax collector 's office and they assure me nothing has been paid. I also received a letter from the tax collector 's office on XX/XX/XXXX stating that if my taxes are not paid by XX/XX/XXXX my account will be considered delinquent and turned over to the county for collection with additional penalties and fees. I have called the mortgage company over 10 times and have send tax inquiries through their website 4 times and no one seems to be doing anything with my account. 

Any help is greatly appreciate it.

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 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have several accounts at TD Bank and frequently use their online banking service to transfer money between them that are immediately credited to the receiving account, with ONE exception. 

When I transfer money from a checking account to pay the credit card account, the money is deducted immediately from the sending account and not credited on the receiving credit card account until several days later. 

Recently I began traveling to a TD Bank branch and withdrawing the funds from my checking account then paying the cash directly to my credit card. That worked only for one month, the next month the Teller entered the wrong code for my cash credit card payment and I again had to spend hours on the telephone getting the paid amount posted to my credit card. This month, I am sick in bed and unable to visit a branch which I probably should not be doing anyway given the current pandemic. Again, I did an online transfer, received a receipt saying the transfer was successful and have been told I have to wait 1-2 business days for the payment to be posted to my credit card. Anything that can be done to address this problem will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I paid {$500.00} to Amerisave on XX/XX/XX/XX/XXXXtowards an application to refinance my mortgage. 4 months later I have no idea when I might close with them. They didn't realize that I wanted to subordinate a HELOC, even though on numerous occasions I pointed out that the disclosure forms included closing costs of over 30,000 which didn't make sense, especially since I had just opened the HELOC and didn't want to close it. I have requested documents from Amerisave on XX/XX/XXXX so that the HELOC will be subordinated and my requests have been ignored. I then contacted my loan processor ( who has been responsive to my emails ) and customer service requesting a refund of the {$500.00} since they had not otherwise replied to me, and I have not received a response from customer service. I email customer service and the loan processor on XXXX, and again on XXXX but no response. The email on XXXX informed the loan processor and customer service that I intended to make a complaint to the CFPB. I waited 2 days before filing this complaint but have not heard from Amerisave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Someone fraudulently applied for unemployment benefits in my name and now I have received a pin number and debit card from US Bank. I Have tried to notify Unemployment by phone, email, chat and mail. On line the first appointment is XX/XX/2020 which is 19 days away and that is only to chat on line. I am filling out forms for UE Fraud with XXXX XXXX XXXX and through my employer. I have never filed for UE.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2020, CHOICE RECOVERY INC add a derogatory mark on my credit reports. CHOICE RECOVERY INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
on XX/XX/2020 a payment was processed for a fraudulent order for {$130.00} through XXXX XXXX which debited my checking account I contacted XXXX XXXX immediately to show that the order was fraudulent by a seller impersonating a tool representative for the XXXX brand. 

XXXX XXXX responded that I can try to contact the seller to reverse the payment or contact my bank. 

The seller after committing fraud obviously disappeared and became unresponsive. 

I submitted a fraud investigation with chase bank on XX/XX/XXXX. Chase has been entirely unresponsive since, until they sent a response on XX/XX/XXXX with no details, saying they investigated the charge and consider the claim valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CO

Complaint narrative:
XX/XX/XXXXshould not be reporting to Equifax XX/XX/XXXX and XX/XX/XXXX that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XX/XX/XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XX/XX/XXXX.On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per TransUnion. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I never had a student loan because I never attended any schools

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I never had a student loan because I never attended any schools

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