vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA

Complaint narrative:
I purchased a vehicle from Kia of XXXX, TN in XX/XX/XXXX. I setup autopay for automatic payments to Kia Finance. In XX/XX/XXXX we decided to retire and relocate to our home in XXXX, XXXX. We sold the car to XXXX XXXX, and XXXX XXXX payed off the remaining loan. Unfortunately a payment was due and deducted from my account prior to XXXX XXXX submitting the loan payoff amount. I was assured by Kia Finance a check would be forth coming. I had notified the post office of my move and had a forwarding address, I received all of my mail with the exception of the Kia Check, so I called them to follow up. They had assured me the check had been sent so I gave them my address in XXXX. After several months, I called again, they provided me the address they sent the check to, but it was incorrect, ( it should be noted the check did eventually arrive, but the check was expired by the time it arrived ). I corrected the address in XX/XX/XXXX, but until now I have not received a replacement check, and I have lost confidence in Kia 's checks in the mail statements. While I do have a foreign address I have received all of my mail from my banks, Social Security, gifts from family etc. I am rapidly approaching a year of Kia not reimbursing me for money they acknowledge they owe. Should the check discussed in XX/XX/XXXXactually arrive it would no longer be valid, as they have a 180 day expiration on 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 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
I received a collection letter for traffic citation from XXXX, XXXX. Date of citation is XX/XX/2018. 
Amount of XXXX . 
I was traveling to XXXX at that time and did rent the car. 
I never received any tickets when I was in XXXX. I never received any letters from police afterward. I never was stopped by traffic police while I was there. 
The collection letter came from the company from California. 
Cedars business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I did call them and did not have any reasonable explanation about this collection. 
The person on the phone told me that I have to pay. Did not give me any details or provide any documentation. 
I feel that I am dealing with a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: NY

Complaint narrative:
Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXXwere sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on transunion. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

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 2019-12-17 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:
Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency.

They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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: NY

Complaint narrative:
Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XXXX, -XXXX  with 36mo terms would have either become delinquent in first year or been paid in full by XXXX or aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XXXX as a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

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 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion Credit Monitoring, shows two accounts that have been paid off since XX/XX/2019 still open and are in a derogatory condition which is not accurate, with collection agency XXXX XXXX, I have documents that follows this complaint showing that I Paid off the two accounts one is with the original creditor XXXX XXXX {$2500.00} and the other original creditor is XXXX XXXX XXXX  of {$460.00}.

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 2019-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CarMax, Inc.
State: CA

Complaint narrative:
Today, XX/XX/XXXX, I received a response to my CFPB complaint against Carmax, via certified letter. It reflects wrong dates, scenarios, etc. It failed to address my identity theft that they are involved with. I was prevented from speaking with a supervisor, when I called them today in response to this letter. The letter clearly is not factual or correct in any way. I can clearly see, no actual investigation was done by Carmax. It claims a letter was sent to me, XX/XX/XXXX, this one I'm assuming, and that I failed to respond to their letter. To clarify, this is the first letter I've gotten from them, six days after their own reference to their letter, that I'm seeing said letter. It is also dated XX/XX/XXXX, before my submission of my cfpb complaint against Carmax. I'm unsure how that is even possible. The dates and details are both fictitious and wrong. I was not allowed to speak to a manager, when I called their alleged fraud department. I am a fraud/identity theft victim and already submitted my police report to them via the cfpb, which they also claim to not have received. Attaching my police report, AGAIN, since they seem to have lost it, and recent communication from Carmax, for the records of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting false and inaccurate information about my driving history to my insurance company. By them reporting inaccurate information it has caused my insurance to triple the cost. Now i am suffering financially due to their inaccurate reporting. I have mailed and emailed copy of my Certificate of 3 years of Georgia DDS driving record to correct the issue but they haven't corrected this matter yet. They are clearly violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: NJ

Complaint narrative:
I XXXX XXXX, Hereby state the truth concerning this matter involving the following Reivable Management Systems, XXXX XXXX, and XXXX  credit bureau .On XX/XX/16, I was an patient at XXXX XXXX medical facility of XXXX , New Jersey XXXX XXXX XXXX XXXX.I have healthcare insurance which paid the majority of the bill, I was asked too pay XXXX co pay on my way out, as well as purchase my perscriptions I was force to buy from XXXX XXXX after countlessly explaining I have a perscription plan within my healthcare plan that was more economical than what they were imposing on me.I have receipts for all the services rendered that day.I left knowing everything was taken care of, Until i checked my credit and noticed a collections from Receivable Management Services in the amount of XXXX.I contacted RMS to verify the debt in question acct. # XXXX, RMS responded with a letter with inaccurate information. I have no contract with RMS nor am I confident they are license to conduct business in New Jersey State.XXXX XXXX claimed i owed an additional XXXX after i paid everything they asked of me that day.My insurance paid and I paid CASE CLOSE. No now this is on my XXXX   credit report a mere XXXX dollars that i do not OWE.Not only is it on my credit ruining opportunities for a mortgage, car loan, etc.ITS XXXX NO its XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I had a previous request from Mr Cooper concerning their report prior to the transfer of the loan. The response I got back saying every thing had checked out appeared to be correct. But after finding out I'm still able to log onto their system ( Website ) and download payments made and posted along with other account information, the downloading of a relevant monthly statement confirmed what I had forgot during the XX/XX/XXXX to XXXX payment period. The downloaded statement has " POSTED PAYMENTS '' on it. Looking at those posted payment, it verifies that during that same period, I had made about eleven payments one for each of the recorded months. All were payments made for the previous month, meaning they were 30 days behind, but consistency on each of the listed months from XX/XX/XXXX to XX/XX/XXXX. Each of these payments were accepted once made and though a month behind, they payments were showing an current account. The downloaded document list all the payments as " POSTED '' - Looking at the credit report on XXXX it is not showing each of the listed payments being POSTED. It is showing four of them being " OK '' and that OK is in between a " 60 '' with there being there being 5 each of the posted " 60 '' nearly aOK, then, 60, then OK, etc.. In discussing this today, the question is was the credit posting not reflecting the Downloaded document posting. And how or why could a " 60 '' be put in between an OK, and for every other ... Why is the credit listing not showing what the " POSTED '' document is showing. Comparing this to the Document I received from XXXX, the XXXX  document follows the " Posted '' document. And neither document has the actual posted payment showing a double amount, as to show that a Suspense holding was being used. None of my statements or anything else shows anything being held or put in a suspense account. The initial 30 day late should have simply moved forward on each payment that filled the previous month. With nothing in the statements or anything from my experience indicating each that of the payments that were made, were not posted or accepted within that same month. How could something otherwise be used and how could a " 60 '' late be recorded, where there was a monthly payment made and as the document indicates, the payments were POSTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have never had an account with att and was not aware of a debt being owed until I tried to contact them to become customer, They then said I had a debt. We haggled and they were supposed to have deleted this debt. from my credit report, but it still shows on credit report as owed.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019, I made a check out to my sister for {$7000.00}. She deposited into her bank but somehow the check did not clear into her bank but into someone elses account and different bank. I have been fighting this with the bank ever since and no one has done anything to assist me or tell me where my money went.

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