vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: MA

Complaint narrative:
GOOD AFTERNOON XXXX XXXX XXXX XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-22 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: MA

Complaint narrative:
GOOD AFTERNOON XXXX XXXX XXXX XXXX - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check in to my Chase Bank account on XX/XX/2020. That check cleared the makers bank on XX/XX/2020. My receipt for the transaction said i would be funded on XXXX XXXX. I called Chase bank inquiring about the funding, yesterday. The y said it would not be funded until XXXX XXXX. I then told them they needed to fund this deposit and they left me on hold for an hour. I am sure Chase has the funds. This appears to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from TOYOTA FINANCE LEASE from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX  reportsXXXX, and XXXX  reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2020 a bank by the name of Wells Fargo did a hard pull inquiry without my permission. I have reported it to the XXXX  XXXX  XXXX XXXX   XXXX  as well as to all three credit bureaus. As a result of this unauthorized hard inquiry, my score dropped by 9 points. This inquiry into my personal credit file was I repeat never authorized by me. I have been careful not to request or authorize hard inquires of my credit for the very reason that I am trying to refinance a loan. This now puts me into a lower catagory and higher interest which is counterproductive. I wrote all three credit bureaus and asked for the immediate removal of the hard credit pull by Wells Fargo. I also called a number on the credit report of a Wells Fargo Bank but no one picks up at the opposite end.

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 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Recently we refinanced through XXXX XXXX and they sold the loan to PHH Mortgage Services. After our loan was sold to PHH, the service on our mortgage account has been horrendous. They do a terrible job of communicating and applying our payments. XXXX XXXX  sent us a letter on XX/XX/XXXX after our refinance was complete. It gave the address of where to send the first payment to PHH and the due date of XXXX. So I set up the address on XXXX XXXX pay and sent the first mortgage payment on XX/XX/XXXX. PHH did not get the payment posted for XXXX until XXXX!! I called XX/XX/XXXX to find out where our money was because it cleared out of our XXXX XXXX  account. The PHH call rep said, " Nothing will post until after XXXX because we still don't have your account all set up. '' The payment for XXXX posted on XXXX. On XX/XX/XXXX I sent the second payment. It was also applied on XXXX. The statement we received from PHH on XXXX showed the second payment was applied to the XXXX payment. So no additional payment was required until XXXX. So I did not send a payment for XXXX. Today I just received in the mail two items from PHH. One is a refund check for the XXXX payment I sent. They coded it as " For Misapplication Reversal. '' The second item was a bill showing us past due for the XXXX payment. I am beyond frustrated with their terrible service!!! I am looking to refinance with a better mortgage company. It is unacceptable and my credit score better not be impacted as a result of this inept company!! I have called the PHH XXXX # numerous times and have been disappointed in their lack of knowledge. Plus, I get a different address to send payments to each time. I have no trust that they can manage my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
We are attempting to get a " payoff '' amount on a current loan. It was promised 5 days ago, but we're still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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 — Other problem getting your report or credit score
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Initially, on XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was looking to make an exchange of my vehicle lease. The when I agreed to allow them to run my credit they chose not to disclose what was my score or what agency they looked at in coming to a determination regarding my credit worthiness. 

When I asked them for it, they said that the report comes through digital means and that it could not be printed out. the sales person provided me with a score that I knew to be incorrect from all of the credit services that I use. When I explain that fact to him, he told me that my services only give an estimation that is usually incorrect. 

As the deal for the financing on the new lease had to be done, they lost my credit profile and had to run my credit a second time ; this was about a month later in XX/XX/XXXX. Once again they failed to give me a report of how they arrived at their valuation of my credit worthiness. This company has been poor in its consumer relations, especially as it pertains to credit evaluation. 

Since that time, it has been disclosed that after taking in the previous vehicle and making the exchange for a newer model, this dealership did an evaluation of the vehicle 2 months after the exchange and did not acquire my signature as proof of its reported  damages. The damages that they have listed are also no accurate as the vehicle was not given to them with those damages. 

XXXX XXXX also failed to make the proper calculations as to the payoff that they needed to make to Hyundai Motor Finance on the first lease, which has prompted Hyundai Motor Finance to ask me for more money, even though that amount was transferred onto the new lease as part of the deal. XXXX made the original payments that they thought were accurate but Hyundai Motor Finance stated that they miscalculated the amount.In my calls with XXXX, they have not allowed me to speak with a finance professional from their location and finance professionals have not returned my calls even though I have left multiple voicemails when I have gotten through. 

Neither XXXX XXXX or Hyundai Motors Finance want to contact one another to settle this matter. It seems to me that they may be running a scam by adjusting amounts months after the fact and requiring consumers to take on more obligations.

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 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, This is regarding my complaint against Citibank for their Costco Anywhere Visa card. I have not used this card for any transactions for since XXXX till date. Suddenly when I got my credit reviewed, I received information that there is a " Delinquency '' on my credit report. 

When I called up Citibank, I discovered that there was a transaction done in XX/XX/XXXX and they never sent me the card statement despite my informing them about my change of address. Thus, they have been adding late payment penalties and interest since that statement. 

I have called them 4-5 times, each time asking for details of the transaction and seeking card statements that can tell me if the change was legitimate or not. I have not received the requested card statement till date. 

When I called on XX/XX/XXXX they told me that the XXXX transaction was for renewal of Costco membership for {$120.00}. I acknowledged that it should be a genuine transaction and am willing to make payment for this amount if they can waive off all the late fee and interest charged to me. 

I don't think it is fair for them to charge the late fee and interest as a ) they never sent me the card statement thus caused the problem in the first place b ) despite multiple calls were not able to tell me the cause of the late payment penalties and c ) I am willing to pay off the legitimate amount I am seeking your help in resolving this matter as my credit score is negatively affected because of an act from Citibank caused by them and aggravated because of their deficiency in services where I am being unnecessarily being penalized.

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 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Continuing to contact me even after I told them this is not my debt. Asked the agent to stop calling my work phone and to only contact me through mail on XX/XX/XXXX. They are still contacting me via phone even as of today XX/XX/XXXX every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.

3 different open dates reported ; 3 different date of last activity dates reported ; Transunion reports XX/XX/XXXX ; but XXXX  reportsXX/XX/XXXX, and XX/XX/XXXXreports the DOLA as  XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT 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 2020-09-22 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: MA

Complaint narrative:
Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.

3 different open dates reported ; 3 different date of last activity dates reported ; XXXX  reports XX/XX/XXXX ; but Equifax reportsXX/XX/XXXX, and XXXX reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NM

Complaint narrative:
I've been having an issue with Equifax to get XXXX XXXX XXXX  XXXX XXXX  XXXX off my report. This is in Lousiana. I don't live in Louisana. I live in New Mexico. I have XXXX as my internet service in New Mexico. This is not me! I also want to know who put this in my name if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX Fifth Third asked for our condo insurance as XXXX XXXX XXXX. 

XXXX from XXXX XXXX sent it to Fifth Third ( confirmation number XXXX ) while I was on a conference call with a Fifth Third representative ( XXXX ) and XXXX. This was XX/XX/XXXX XXXX sent it ... .never made it into Fifth Third system .... my monthly dues went up as they XXXX an insurance by themselves and put it in my escrow ... ..even though I kept on making payments monthly it never got applied to my account as my payment was for previous amount. 

I subsequently called XXXX got the doc myself and mailed it to them at the email address XXXX Talked to Escrow department of Fifth Third 0n XX/XX/XXXX around XXXX PST as by that time they already dinged my credit file with a late entry. 
Escrow confirmed that insurance is cancelled - will take 7 to 10 business days for that to post to the account. 

In parallel they kept on returning my payments to me in check as it was not matching the current dues - all this while they knew that the above has happened. They finally settled this in early XXXX and their credit department dinged my credit by saying I was late ... ..as they did not accept my payments for my regular amount {$2600.00}. 

Please note ... that they confirmed on XX/XX/XXXX that they have cancelled the insurance on their side since they got the necessary document and yet they still dinged my credit file for XX/XX/XXXX as being late when the escrow agent clearly guided me that the additional payment showing due for me will get cleared as they remove the insurance they had put in escrow from my account. 

I asked for an investigation into those late payments entry in my credit file to Fifth Third and the answer came back as a one page canned letter saying they did not do anything wrong. 

The late thing resulted as they did not accept my older payment and returned in spite of the delta increase being resultant of process gotcha on their side and they had full knowledge that I was working with them to sort it out when it was not even my issue. 

Just so you know they did it this year too ... .. this year they sent a paper mail asking us to upload the document into a site ... i did not even depend on XXXX  ... I got the doc and uploaded to that site myself .... got an email confirmation on XX/XX/XXXX and yet on XX/XX/XXXX I saw they pulled a insurance and put it into my account ... .the reason being the systems process on their side is so flawed that even after i uploaded the document to the site they asked me to it still did not attach to my account .... but being burnt once I was alert so caught them early before the above story repeats itself and got it straightened out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Filed bankruptcy XX/XX/XXXX attempted to reach a reaffirmation agreement with NMAC, which company presented to me with addition of late fees for the time period following my bankruptcy petition and had me set to default upon reaffirmation. I was advised against signing due to NMAC 's unfair and deceptive terms. 
In XX/XX/XXXX, while my bankruptcy was still pending I was sent a Notice of Default which included a notice of attempt to collect a debt, demands of payment in full including interest, late fees and other charges ( excess amounts are not allowed without a reaffirmation agreement ) The letter further stated that payment must be received within 10 days of receipt of notice or company would repossess the vehicle. obtain a deficiency for any remaining balance upon sale and be subject to negative credit reporting. 
The following month NMAC removed this account from my credit report with all credit beurues, instead of listing account as closed and included in bankruptcy petition. Account removed completely as if it never existed. 
My bankruptcy was ordered discharged and closed on XX/XX/XXXX and NMAC was one of the creditors listed on the notice of discharge to receive automated notice as a discharged debt. About a week later I received another notice of default letter from them with the same statements as the one received in XXXX. 
Account is still missing completly from all 3 credit bearues reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: LA

Complaint narrative:
UNAUTHORIZE INQUIRIES THAT DONT BELONG

Company response to consumer: Closed with explanation