vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 00:00:00
Product: Vehicle loan or lease — Lease
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: NJ

Complaint narrative:
I leased a XXXX  XXXX XXXX ( VIN # XXXX ) vehicle from Kia Finance. Lease ended on XXXX. We issued a check and bought the lease vehicle for {$17000.00}. We received the title and bill of sale in late XXXX. NJ the sales tax is 6.625 %. 

The Bill of Sale and Title does not reflect the sales tax paid by me. It indicates {$0.00} sales tax paid when in fact {$1000.00} sales tax was paid per their payment history documents. This amount is exactly 6.625 % of the purchase price. 

Purchase price = {$15000.00} Sales tax collected = {$1000.00} Other fees collected = {$320.00} Check Total = {$17000.00} I contacted Kia Finance on XXXX and reported the issue. I reviewed the issue and reviewed the numbers and they confirmed the amount collected for sales tax. They stated that the bill of sale will be updated to reflect the amount collected. They stated that the title can not be re-issued. They stated it would take 3 weeks for the document to be approved and mailed out. 

I called Kia Finance on XXXX since I had not received a corrected Bill of Sale or Title. The agents informed me the request was denied internally but no reason was given. I escalated to a manager at the call center since my car registration was expiring XXXX. He indicated that he has escalated the request and that I should receive the corrected documents by the end of the week. Documents will be emailed. No documents were received and my car registration has expired. The call center continuously drops my calls and I have not been able to resolve the matter and Kia has not reached out to me to provide an update. I need to register my vehicle and will need to rightfully reflect that sales tax has been collected by Kia Finance.

I will be including the following : Payment history- which documents the sales tax collected.

Check Image Kia Letters dated XXXX and XXXX Kia Title - indicates no sales tax collected on the tax stamp and on the back of the document Bill of Sale - indicates no sales tax collected Kia Paid in Full Document Kia Motors Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : 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 2021-10-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is some personal information on my consumer report that I have no knowledge off and i would like the personal information removed, See attachments

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 2021-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is some personal information on my consumer report that I have no knowledge off and i would like the personal information removed, See attachments

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 2021-10-23 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: MD

Complaint narrative:
There is some personal information on my consumer report that I have no knowledge off and i would like the personal information removed, See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy Federal Credit Union made me purchase my insurance separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: K & B Capital Corp
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) CLOSING DISCLOSURE : FILE AND ESCROW # XXXX XXXX OFFICER/ ESCROW OFFICER : XXXX XXXX XXXX XXXX  : XXXX ID XXXX FL ID # MLD XXXX LOAN OFFICER/ REALTOR : XXXX XXXX XXXX # XXXX CONTACT FL LICENSE # As a 1st time home buyer, I was apprehensive about the entire process and relied on the professional services provided by my realtor and loan officer 's guidance and recommendations. I understood having a stellar credit and solid financial health is paramount to achieve the best result throughout the process. These measures were planned for and achieved.

During the purchasing process my mother had a serious health scare. As a health care provider my primary attention was shifted to provide ultimate care for my mothers full recovery. My realtor/loan officer was fully made aware of my overall situation. Therefore, I became more reliant on his guidance for a successful conclusion. 
Sadly, to admit, I strongly feel I was taken advantage due to my lack of knowledge with the purchase transaction followed by my mothers sudden health issues.

The issues that still lingers are as follows : 1. Why are my interest rates so high in accordance with my debt-to-income ratio and income/ employment stability?

2. Why did the lender and title company escrow 13 months of taxes ( {$7500.00} ) plus 1 year of advance payment for taxes?

3. Why did escrow take 1 year for insurance ( homeowners insurance ( paid in full {$2500.00} ) and 3 moths ( {$620.00} ) additional homeowners insurance escrow?

4. I was not advised the selection of the title insurance company is the responsibility of the buyer solely not my lender or realtor 5. I provided over 25 % down payment plus an additional {$87000.00} cash to close. Why is my cost of the loan so high including loan origination fees and points? 
Here Im over 1 month after the closing of my 1st home I still don't have a satisfactory answer to put my mind at ease regarding what appears to be inflated charges and inflated escrow account? I have attached exhibit 1 Closing Disclosure and exhibit 2 ALTA, regarding these questions?

My primary reason for filing this complaint is to ascertain clarity regarding the rules, regulations and laws established by your agency describes in RESPA covering section 6, 8, 9 and 10.

I trust the regulators will fully investigate my complaint and will provide the clarity I so deserve.

Thank you for looking into my complaint. Im confident and prepared to move forward with your findings.

Sincerely, First time home buyer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: VA

Complaint narrative:
I have tried disputing inaccuracies on my personal credit report via mail and phone. I have not been responded to. Anytime I reach out via phone, Im asked to identify myself but given very vague questions, not multiple choice, and fail the identity verification. Ive sent in my ID and social security card. I spoke with XXXX at Equifax agent ID is XXXX, whom I asked for help but was unwilling to assist, XXXX also could not assist me. No other manager was available. I have tried to access and dispute this information without success from Equifax. 

I have asked how do I know that the agent is typing the correct answers I give into the computer correctly? Its very hard to understand them in XXXX. This has been a complete disregard for assistance in correcting my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NY

Complaint narrative:
Since XX/XX/XXXX I send out several letters regarding inaccurate and unknown items on my credit report, send out a Federal Trade Commission report to Equifax reporting agencies. Till today XX/XX/XXXX this problem has not been resolved. I feel like the reporting agency Equifax is taken advantage of ME and ignored my disputes. I demand these accounts be deleted from my credit report or I will file for litigation due to the stress Equifax has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
Us Bank. On XX/XX/XXXX I realized my account was frozen and they stated it was due to the irs trying to take out XXXX XXXX dollars so it got froze due to suspected fraud. I later received my check from the irs for XXXX XXXX. The bank advised me that my account would be closed and the money that was in my account would be sent to me in a check. I received a letter stating I would be getting my money as well. However here we are on XX/XX/XXXX I went to the bank and they told me they dont know where my money is and there is nothing they can do or say to resolve the issue. I have XXXX in that 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 2021-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I made 8 loan repayment counts that have not been counted towards public service loan forgiveness. I submitted a request for appeal to get these payments to count in XXXX of 2020. It is still in the appeal process without any date of when it will be done. I am nearing date of forgivenes if they would count these payments. MyFedloan servicing will also no longer be working on these loans in the near future and I'm worried that my appeal will not be completed ever. Also my counts are all off. I started repayment at the same time for all the loans but the counts towards forgiveness are not the same somehow. There has never been an adequate explanation for this discrepancy. 
I have called many times and there is no new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
I opened my XXXX XXXX XXXX XXXX from Popular Bank Services on XX/XX/XXXX. However, the past two years, I've tried to cancel my card as soon as my annual fee was assessed. Both times I've called within days of my annual fee being assessed but I was told I can not have my annual fee refunded and my card canceled. Back in XXXX, my annual fee was assessed on XX/XX/XXXX, however this year, my annual fee was assessed on XX/XX/XXXX. So even with my XXXX calendar reminder, for the annual fee being assessed, it wasn't abundantly known when the annual fee was assessed. I've been trying to cancel the card when the annual fee time comes up. Every other credit card issuer I have had or currently have cards with, XXXX XXXX, XXXX XXXX, XXXX XXXX  or XXXX XXXX, within a reasonable amount of time of the annual fee being assessed, they allow the annual fee to be refunded and for the card to be canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Financial decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666.

I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My Wallet was stolen with all my information in it including id and debit cards, credit cards. And today I received an email that someone had open a jp chase account today XX/XX/21 under my name using my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: EQUIFAX, INC.

Complaint narrative:
Hi My Name is XXXX XXXX, I have premier account with Equifax Credit Reporting Agency, where I can login any time and get my credit score and check my report, I do this every month to check for any changes to my score. 
Back on XX/XX/2021. I logged it to my account and my credit score was as usual Excellent XXXX points. It goes up or down a point or two every couple of weeks. This was confirmed by Equifax order transaction number is XXXX. 
In XX/XX/2021 I tried to print the report I generated in XX/XX/XXXX, to show it to a land lord who I was trying to rent his house.

When I tried to login to my account, Equifax system asked me to switch to a new platform they developed, I tried to avoid this by logging into my old platform, but the system wouldnt let me in. 
After several tries, I logged in to their new platform, in there it shows that my credit score has dropped XXXX point to Good XXXX points. And it did not show any events in my report that may have caused this drop. 
I called Equifax and they told me that they switched a new system and changed the way they do the calculations of the scores and that I do not have access to my old reports anymore, and they did not give me any reason why my score dropped XXXX points over night. 
Now the new platform only shows my credit history from XX/XX/2021 only with no access to any old reports generated in my account. 
I filed an Online Dispute submission. Ticket # XXXX to Equifax, and they answered me back with general information with no specific details to my compliant or gave me any explanation why my score changed too. 
I need a full detailed clarifications to why my score dropped from excellent XXXX points in XXXX XXXX to Good XXXX Points in XX/XX/2021. 
I need to have access to all my old reports history. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint with Suntrust Bank now called Truist. 
Since XXXX of this year, I have had technical issues with downloading transactions from my business checking account into accounting software ( XXXX ). After spending hours with Suntrust technical support both through chat and phone they keep blaming XXXX for not updating their software. My latest contact with XXXX support finding shows Suntrust download file has a formatting error and is not compatible with XXXX. How do I know this?. Quickbooks support shared my computer screen and walked me through the step of editing the raw file. After the steps have completed the file was successfully downloaded into the XXXX software. 
I would like to request you to intervene and have Suntrust ( Truist ) support share my computer screen and see for themself the error. It is very difficult to get both parties online at the same time unless each has a phone number where an individual can answer 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 2021-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Our mortgage lender tried several time to pull my credit report from Equifax and they couldn't get it we called Equifax 5 times they tell me everything is good there are no freeze or fraud alerts on my report, but my mortgage lender still can not pull it, so I called them again and Equifax tells me there is no problem. This is very frustrating they need to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Collection is not from the original creditor. Jefferson capital systems at XXXX XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX have been sending me collection notices for the amount of {$7900.00}. The collections are being reported past due. I do not know either of these companys and have never done business with either of these companies. Neither of the two companies have a contract with me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXX i communicated with the company about the unauthorized inquiry. They said they would contact XXXX about removing it. On XX/XX/XXXX I received the confirmation letter from XXXX stating it was deleted, but yet its still reporting on my profile. 

Inquiry date : XX/XX/2019 - Comenitycapital/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I made a purchase on BestBuy.com it was for a XXXX XXXX  and it came with a free bundle that included free XXXX XXXX  for 6 months, XXXX XXXX free for 6 months, and XXXX XXXX XXXX with XXXX ( 3 Devices ) ( 3-Month Subscription ) [ Digital ]. It then offered me to apply for a credit card to which I did apply and I was approved. On XX/XX/2021, I decided that I did not want the item that I purchased which included the bundle so I returned them to a Best Buy Store located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. On Monday, XX/XX/2021, after taking the items in for a refund I received a notification from USPS that my credit card was on the way through XXXX XXXX. On Wednesday, XX/XX/2021, I called Citi letting them know that I did not receive the credit card that was sent to me and requested a replacement. I was told that I needed to verify my identity and to wait for another piece of mail and then call them. I did receive that letter and called and a replacement was issued. Today, XX/XX/2021, I called Best Buy/Citi because I received an email stating that I have a {$14.00} balance so I wanted to dispute this balance and I was told to call back Monday-Friday because she didn't know why I was being charged and was also told to call XXXX XXXX. I have no idea why I have to call XXXX XXXX if I never had any contact with them or made any purchases through them. As of today, I still haven't received the store credit card and or any statements. I did request to have a copy of the statement mailed to me. This is not the first time that I apply for a credit card but it is the first time that a bank gives me a headache. I did request to have the account closed and was told on XX/XX/2021, that I first had to prove my identity first. A receipt is on my Best Buy account page and it clearly shows that the person that took the item for a refund did not include the XXXX package. I never authorized this purchase and it was part of a free bundle package that came with the XXXX. I believe that Best Buy/Citi is not wanting to work this out with me. Today, I had to call 3 times because the first 2 representatives hung up on me. I can not access Citi online account because I need the credit card number.

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