vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Kubota North America Corporation
State: TX

Complaint narrative:
I have been trying to figure out how my payments are applied to interest versus principle on my monthly loan and there doesn't seem to be any information available, and I believe that Kubota Credit is being intentionally obtuse or outright dishonest about their methods of computing it because they have been evading giving me any kind of answer at all to my very direct questions and request of assistance in figuring this out. 

I am trying to figure out what day of the month i need to make my payment to maximize the amount going to the principle instead of interest. There is no information available, it is not clear at all how the division of money is applied, and I have seen a huge difference in how much goes to interest versus principal depending on the day of the month. Unfortunately, there isn't any logic that I can discern based on previous payments that will allow me to see what day of the month will provide me with the best bang for my buck. I am unable to figure out whether or not I will be able to pay off my loan in the agreed amount of time because so much of my payment has gone to interest instead of principal and there doesn't seem to be any logical methodology that I can work with. 

I have called several times to try and get more information on the division of interest versus principle with my payments and have not been able to get a straight answer from customer service and have been told at least five times that a manager would call me and I have never heard back. I have even been told by one of their representatives that they wouldn't, not couldn't, tell me what day would allow the most of my payment to go towards principle, instead of interest. 

I have complained multiple times with their customer service, and asked to speak to a manager or to have my request for information about my loan brought to the attention of someone that can answer my questions, but I can't get any further than basic customer service. I have had them send me a copy of my contract to see if the information is in there about how they apply my payment towards principal versus interest and there is nothing in the contract.

I need some help getting Kubota Credit to be open and honest about their loan and its repayment terms and conditions. They have not been clear about this from the beginning, and I suspect I have lost hundreds of dollars that could have been applied differently if I was able to have the information about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have an American Express Cash Preferred credit card, XXXX XXXX XXXX. On XX/XX/XXXX, I received {$7.00} in rewards from purchases that I made with this card in XXXX. I have {$6.00} in rewards due to me from purchases that I made over a month ago, on XX/XX/XXXX, but the rewards still haven't been posted to my account. When will I receive them? Why do I have to wait over a month???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase is still reporting closed charged-off accounts from Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a Fruad Account appearing on my credit report Remove Immediately. XXXX XXXX XXXX {$1000.00} Opened XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
The green state credit union and XXXX consumer reporting agency are violating at least two of the clauses of 15 U.S.C regarding the reporting of a charge off as debt and as an open account. Green State continues to furnish this account information as debt when they clearly charged this account off and it's not only canceled debt but pursuant to the IRS its now considered income of which I have to pay taxes on. as XXXX and Greenstate is very much aware income can not be furnished on anyone 's consumer report XXXX XXXX XXXX ( a ) ( i ) they have claimed tax credit and is still furnishing on my consumer report as debt Secondly it is being reported as an open account. this violates 15 U.S.C 1681 e.b recently i had an identity theft issue and XXXX checked all accounts but came back as verified and accurate on this issue when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I was paying on a washer and dryer from America First Financial, a month before paying off items. I noticed that stated my payment was XXXX which is paying off this item twice..please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have been working with PNC Bank since XX/XX/XXXX to get Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX. I was informed on XX/XX/XXXX that I could not get forbearance of the loans from PNC Bank. I have been working with the North Carolina Home Owners Assistance Program, XXXX and XXXX XXXX, XXXX XXXX since XX/XX/XXXX to remedy the payment of the two Home Equity loans : XXXX, XXXX. I still have a case pending with the North Carolina Home Owners Assistance Program, XXXX XXXX, Case Manager. 

PNC Bank has refused to assist me with the Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX to date. I have received several packages from PNC Bank citing filling out applications for Hardship/Forbearance for the two Home Equity loans : XXXX, XXXX on several occasions. I sent in Hardship/Forbearance application packages on XX/XX/XXXX and XX/XX/XXXX to PNC Bank Loan Dept . My two contacts are XXXX XXXX and XXXX XXXX @ XXXX ext. XXXX. The PNC Bank address is : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 

I am currently unemployed and can not send payment for the two PNC Bank Home Equity loans : XXXX, XXXX. Can you please provide assistance with the two PNC Bank Home Equity loans : XXXX, XXXX? 

See latest correspondence with PNC Bank on XX/XX/XXXX : Dear XXXX : We are in receipt of your email and attachments. At this time, we are unable to provide you with detailed information via email. If you need additional assistance, please call XXXX and follow the prompts. 

XXXX XXXX on behalf of XXXX XXXX. 
PNC Bank Phone : ( XXXX ) XXXX Fax : XXXX Email : XXXX PNC Mortgage XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: FL

Complaint narrative:
I was granted Guardianship of my father XXXX XXXX XXXX. I took the paperwork to the bank 2 times and they are not obeying the court orders. They are not giving me access to his bank account to pay his bills. 

KeyBank is also in violation of federal law that states government benefits such as checks from the Department of Veterans Affairs and Social Security is only suppose to benefit the person that the check is made out to. 

At this time my father benefit checks is only benefiting KeyBank. They are making profits off my father Department of Veterans Affairs checks by making loans and mortgages and not allowing me to pay my father debts.

Department of Veterans affairs and Social Security is the only two agencies that was funding my father checking and saving accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX  I deposited XXXX on my chase atm and it didnt show in my account I call the bank they said they will. Put a credit in 2 days I havnt recive anything I went to the bank they keep saying same thing what should I do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: CA

Complaint narrative:
After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a 100 % XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I you on XX/XX/2023 a letter describing my issue and 60 days have passed and I have not had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: IL

Complaint narrative:
To whom it may concern, From XX/XX/XXXX until XX/XX/XXXX Equifax was reporting an unknown bankruptcy on my Equifax credit file. As of XX/XX/XXXX Equifax was no longer reporting a bankruptcy on credit file do to consumer invalidating Equifax multiple claims to have had verified unknown Bankruptcy with numerous sources ( XXXX, XXXX, US Federal Courts ) bankruptcy was removed on XXXX XX/XX/XXXX bankruptcy was reinstated for reason unknown. On XX/XX/XXXX I contacted Equifax speaking to Bankruptcy Rep XXXX ID # XXXX. She stated on a recorded line that they received this information directly from the XXXX XXXX XXXX I informed XXXX that I contacted the Federal Courts on XX/XX/XXXX and they provided me with a letter stating that they do not report to any credit agencies, nor do they verify or validate any information. the same letter I presented to XXXX where they did their investigation and removed it from their records, because the information couldn't be verified I have also included that letter. I contacted XXXX  and they provided me with a confirmation letter, stating that they do not report verify or validate any information to any consumer credit agencies and these are the sources Equifax has stated verified the unknown Bankruptcy directly to Equifax which is false! FCRA Law states any information being reported on a consumer credit file must be accurate, complete and verifiable. Equifax Rep XXXX ID # XXXX also stated Equifax has no record of Bankruptcy ever being reported before XX/XX/XXXX and Equifax has no record of unknown Bankruptcy ever being deleted. I have also attached documents showing Equifax report history of when unknown Bankruptcy was reporting and when it stoped reporting unknown Bankruptcy and when it started reporting again on XX/XX/XXXX I have also attached a FTC report for Equifax for reinstall an account on credit file that was removed do to not being verified from Equifax sources for Equifax to continue to report unverified Bankruptcy is Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the information reported regarding the charged-off account with the reference number XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX,. The discrepancy arises from the differing last active dates reported by TransUnion and XXXX, which has led to confusion and inaccuracies on my credit report. 

Upon reviewing my credit reports, I noticed that TransUnion has listed the last active date as XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This inconsistency has raised concerns regarding the accuracy and integrity of the information being reported, potentially affecting my creditworthiness and financial standing. 

I kindly request that you thoroughly investigate and rectify this matter promptly. I expect the credit bureau to conduct a comprehensive review of my account information and make the necessary corrections to ensure that the reporting is consistent and accurate across all credit bureaus. 

In accordance with the Fair Credit Reporting Act, I am formally requesting that you provide me with a written explanation of the steps taken to resolve this dispute. Additionally, I request that you provide me with a corrected copy of my credit report reflecting the accurate and consistent last active date for the account in question.

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 2023-08-08 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: DE

Complaint narrative:
XXXX XXXX XXXX - XX/XX/2023 - Hard inquiry that was not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I attempted to accept a balance transfer offered by Citibank " 0 % for 21 months ''. The first time in XX/XX/2023 with a bad address for the bank holding my balance. Then again in XX/XX/2023 My bank didn't receive the payment check until after 30 days ( expired ). In XX/XX/2023 The attempt was Cancelled on XX/XX/2023 by Citi, reason not given. Upon receiving that notification, I utilized the offer extended to me by XXXXXXXX XXXX with " 0 % for 12 months ''. The balance transfer to XXXXXXXX XXXX was completed on XX/XX/2023. On XX/XX/2023 Citi did a balance transfer on that same account {$5000.00}. They had No authority to do so since They cancelled on XX/XX/2023. After several calls to both institutions my XXXX XXXXXXXX XXXX XXXX. I transferred the over-payment on my bankcard to my checking account and paid {$4700.00}. I decided to ease my debt burden by allowing myself time to repair over time at 0 %. None of this is fair. I can not understand how it is legal. I feel as though I was mugged in broad daylight and left to pay my assailant.

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 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I recently filed a complaint with BBB regarding a account that is not legally mine. Included in the documents sent by Credence they state the account was under contract in a different legal name that I have never had nor used. My legal name is XXXX XXXX XXXX. They have this account legally belonging to XXXX XXXX. I have sent a verification letter certified to this Collection Agency, and they sent back verification with a bill. They can not provide adequate proof of this account legally belonging to me. This is against my rights as a consumer. I am attaching the documents as proof of this false account being reported on my consumer report with all the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: TN

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-08-08 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: FL

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have dispute a charge with capital one Visa card case number is XXXX on a purchase done on XX/XX/2023 from XXXX XXXX XXXX precious jewelry for XXXX dollars and it was for a SOLID YELLOW GOLD 22K BRACELET THAT WEIGHS XXXX GRAMS. But then when I received the item it was GOLD PLATED 18K GOLD AS TESTED BY THE GOLD PURITY MACHINE XXXX XXXXXXXX And also tested by a certified jeweler. And I am attaching pictures of the test results. Capital one this morning XX/XX/2023 denied my dispute and reapplied the charge back to my account. But what I received from the seller was NOT AS DESCRIBED and it is only 18k gold plated and NOT SOLID 22K GOLD. I have supplied all documents and photos as a proof that i received a fake item and NOT 22k solid gold bracelet. 
The dispute case is XXXX and I am asking capital one to approve my dispute case and refund me the XXXX dollars since the item is fake and not as described and I asked the seller to send me a prepaid return label so I can return the item to him. I am NOT PAYING XXXX DOLLARS FOR A FAKE ITEM THAT IS WORTH FEW DOLLARS. I was scammed by the seller and I want my money back and I want capital one to refund me my money

Company response to consumer: Closed with explanation