vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: Credit Karma, LLC
State: TX

Complaint narrative:
My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. Credit Karma also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. XXXX XXXX also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with Equifax and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
What is complaint about : Pen Fed mortgage failed to complete our loan which was started in XXXX XXXX and was scheduled to complete on XX/XX/2020. 

What happened : Due to poor communication and misleading information, we were forced after 90 days to find a new lender during the month of XXXX and start a loan process from scratch. Repeated requests for updates went unanswered for days ( sometimes 6 plus days ) through XXXX and XXXX, sending critical notices to the wrong email address and the answers we got were not correct. We do not know the cause but whether negligence or indifference the effect was the same. We provided even them with appraisers in the area What company : Pentagon Federal Mortgage Who are the people : XXXX XXXX XXXX, Digital Mortgage Loan Officer XXXX XXXX, Mortgage Processor plus various managers and supervisors who listened to our complaints on XX/XX/XXXX when we called asking for explanations and resolutions. We spoke to 5 different people during an hour and a half call. Note that even after going through their management chain, there was no improvement in the accuracy nor frequency of the communication from Pentagon Federal. It is conjecture but it seemed like they just wanted us to go away so they could deal with the larger customers. 

What response do we want : No one should have this much trouble getting a loan. We would like Pen Fed to reimburse us for the direct costs we incurred : {$660.00} in additional storage and {$700.00} in additional motel stays, to say nothing of the indirect costs of staying in Virginia for an additional 2 months. We'd also like an apology for the incredible stress this put us under. Plus an apology to the TN seller, who was forced to secure a loan to fill the gap between when they moved out in XXXX -- -IN GOOD FAITH -- -and when we finally closed in XXXX. This should NOT happen to anyone else. The stress involved in buying and selling your main place of residence is high enough without avoidable complications.

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 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I paid my loan in full and with Hyundai posted the payoff on XX/XX/2021. I discovered that a second full payoff disbursement was initiated from my bank account in error. I contacted Hyundai customer service on XX/XX/2021 to notify them I sent payoff funds twice - XXXX twice. They refused to reject the second pending transaction stating they were unable to do so. Rather than reject or return the duplicate payoff funds, Hyundai posted the second XXXX to the account on XXXX when it was showing a XXXX balance due. I have made multiple phone calls to Hyundai customer service to get the funds returned immediately. They have refused each time to escalate a check back to me and are saying I have to wait 45 days for the money. I am XXXX years old and need this money back in my account immediately to pay bills. Hyundai should have immediately returned the funds because there was no outstanding balance. Further, I communicated this to them right away. I am requesting Hyundai immediately return the {$9500.00} to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I checked into the XXXX XXXX XXXX XXXX, NV on XX/XX/XXXX and they took a {$400.00} deposit. On XX/XX/XXXX they settled for {$350.00} and now it's XX/XX/XXXX and Venmo Debit Card is lying saying that the transaction isn't complete even when they see that the XXXX XXXX captured the lower amount and won't make the remaining funds available for use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was contacted by a person named XXXX XXXX from National Credit Systems, stating that I had a debt in their office due to collections. I confirmed my name with her, and I asked what debts she was referring to. She never asked me to confirm any other information such as my date of birth before providing me with medical information. She then proceeded to tell me that I had a debt from Texas XXXX as well as 5 other debts from XX/XX/XXXX XXXX XXXX XXXX, gave me each debt amount, the date of service and the providers name. and the account number for all the accounts. I told her that I needed to see this information in writing and asked her for a letter of validation. she said she would notate the account and request for me to have a statement sent down showing the breakdown of all the charges. I gave her the address and she assured me that she would make sure that this was not going to be reported to my credit until I had a chance to see the letter and verify everything. on XX/XX/XXXX, I got notification that 5 new collections had been reported to XX/XX/XXXX A debt from XX/XX/2016 for XXXX to XXXX XXXX XXXX XXXXXX/XX/XXXX, a {$21.00} debt to XX/XX/XXXX XXXX XXXX XXXX, another debt of {$170.00} to XX/XX/XXXX XXXX XXXX XXXX, a {$25.00} debt to XX/XX/XXXXXXXX XXXX XXXX and a {$24.00} debt to XX/XX/XXXX XXXX XXXX XXXX. I never received any letter in the mail before the dumping this to my credit not even 2 weeks after contacting me. This is a violation of HIPAA regulations as well as the Fair Debt Collection Practices Act. also, National credit Systems continues collection activity on accounts they did not validate within 30 days as specified under Texas Finance Code. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to the validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XXXX XXXX they are still reporting the account on my credit. Which puts them in violation of various state collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called on XXXX XX/XX/21 XXXX Citibank about my credit account. I noticed some unknown charges every month for {$59.00}. Did not recognize the name of the company charging my account? I google the name and found nothing about the company so, I called Citibank to stop these charges. I did NOT authorized them to charge my citibank card. 
Citibank closed the account and said they would be sending me a new card. 
I received the new card but NO invoice/statement for the month of XXXX which I was still waiting to pay XXXXXX/XX/XXXXpayment. Yesterday XX/XX/21 I received a invoice/statement from citibank stating I'm in collections. I called them on XX/XX/21 and they told me I had to make the payments for the month of XXXX and XXXX. I told them I did NOT have a problem paying them but I still did not yet know what was my new account? I needed the account number in order to create into my on-line banking to make the proper payment. 
As far they were concerned it was not their problem and to just make the payment. Again I don't have the problem making the payment just needed a invoice/statement and what my new account number would be. unbelievable trying to do the right thing. And I get XXXX? Why?????

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 2021-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI
State: IA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received correspondence in the mail from GENERAL REVENUE CORPORATION that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A and Exhibit B that GENERAL REVENUE CORPORATION is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I noticed there are some inaccurate/fraudulent items on my credit report in XXXX of 2021. I disputed these items with the three major credit bureaus : Equifax, XX/XX/XXXX and XX/XX/XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXXXX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXXAccount Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XX/XX/XXXXAccount Number :XX/XX/XXXXPlease remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False ReportingXX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX of 2018 GM Financial reported an outstanding balance remaining on the leased vehicle of {$190.00}. This was not noticed until i pulled my credit and they were reporting this balance because they had an invalid address in their system to send the proof of the debt to. I have paid off the balance and provided them with my correct address. I have the proof showing they were sending the statements to the invalid address that does not exist. I have contacted them several times to delete this off my credit since it has been paid off and they refuse even though i have proof showing they were sending the statements to an address that is invalid. I need this deleted off my credit report as soon as possible or i will have to seek legal action against them for their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, XXXX XXXX XXXX a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
Please accept this message because it is very important for me. I hope we find mutual understanding and you will remove and recheck wrong items in my credit report. I would like officially to complain about that fake account and inquires in my credit report. I am victim of identity theft an recently my information was stolen a=so please remove these fake inquires and 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 2021-04-14 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:
Please accept this message because it is very important for me. I hope we find mutual understanding and you will remove and recheck wrong items in my credit report. I would like officially to complain about that fake account and inquires in my credit report. I am victim of identity theft an recently my information was stolen a=so please remove these fake inquires and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands or information mixed.

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 2021-04-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported myself to all credit agencies, after I signed up for XXXX during XXXX through XX/XX/2020 due to national pandemic and was not able to work. My credit is protected with the Cares Act. I want XXXX to remove the late reporting to all the credit bureaus for XXXX, XXXX and XX/XX/2030. I have Paid the balances off in full.

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 2021-04-14 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:
Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2021-04-14 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:
Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation