vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
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: SC

Complaint narrative:
Continuing saga of the harassment and incompetence of Kia Motors Finance. Having paid of the full payoff amount the Kia Motors Finance in XXXX ( XXXX ) and provided them ( and CFPB ) copies of the proof of that transaction and copies of the check made payable to them and cashed in XXXX ( XXXX ), the issues with Kia Motors Finance continue to grow. A supplemental check was sent to them, even though their online statement for my account showed full payoff. This online account has been doctored and manipulated in it's current form to remove the evidence of that payoff. They received a check for the same amount as originally paid by XXXX XXXX XXXX XXXX of {$14000.00}. Kia Motors Financed cashed this check again on XX/XX/XXXX. They took this amount and show this in their current online records as being {$13000.00} rather than the correct amount they cashed. They then had the nerve to take {$330.00}, {$420.00}, and {$6.00} from that amount arbitrarily nd apply it to my account as " payments '' even though the full payoff amount was paid in XXXX ( XXXX ). SO, regardless of their unfair and possibly illegal transactions they initiated in house, where in the missing money from the cashed check of {$14.00}, XXXX and {$13000.00} they show in their records? 
They also show in their records that they sent me a " refund check '' in the amount of {$310.00} on this same date of XX/XX/XXXX. I have not received any check from them as they claim. I requested a copy of that check and proof of cashing, but they have yet to respond and provide this since it obviously doesn't exist. 
They have also refused requests by me and from XXXX XXXX XXXX XXXX to provide the Release of Lien or the Title as required by LAW. 
Online records now show " missing '' XXXX ( XXXX ) and XXXX ( XXXX ) entries showing full payoff made and arbitrary and additional payments taken by Kia Motors Finance for payments NOT DUE. 
I know CFPB will not take any action except put these continuing complaints and problems with Kia Motors Finance is some obscure database, but hopefully there is an agency somewhere out there that will step in and enforce the law, protect the consumer, or get companies without morals or ethics like Kia Motors Finance to at least be held accountable to for their action against customers.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have today just received notice that the illegal foreclosure sale of my home on XX/XX/XXXX has been wrongfully validated by JP Morgan Chase Bank, NA. The party whom committed this illegal sale on that date is XXXX XXXX Offices, PC of XXXX, MA. I have just now spoken to XXXX XXXX XXXX XXXX and she is dis-acknowledging the law of an Obsolete mortgage. This " mortgage '' was made obsolete in XXXX of XXXX. See attached land court folder showing the Right to Cure letter dated XXXX which is more then 5 yrs past the mortgage maturity acceleration date of XXXX XXXX. Five years from that XXXX date is the new date for Maturity acceleration to make this so called mortgage obsolete. please see : CHAPTER 260 Obsolete mortgages Section 33. A power of sale in any mortgage of real estate shall not be exercised and an entry shall not be made nor possession taken nor proceeding begun for foreclosure of any such mortgage after the expiration of, in the case of a mortgage in which no term of the mortgage is stated, 35 years from the recording of the mortgage or, in the case of a mortgage in which the term or maturity date of the mortgage is stated, 5 years from the expiration of the term or from the maturity date, unless an extension of the mortgage, or an acknowledgment or affidavit that the mortgage is not satisfied, is recorded before the expiration of such period. In case an extension of the mortgage or the acknowledgment or affidavit is so recorded, the period shall continue until 5 years shall have elapsed during which there is not recorded any further extension of the mortgage or acknowledgment or affidavit that the mortgage is not satisfied. The period shall not be extended by reason of non-residence or disability of any person interested in the mortgage or the real estate, or by any partial payment, agreement, extension, acknowledgment, affidavit or other action not meeting the requirements of this section and sections 34 and 35. Upon the expiration of the period provided herein, the mortgage shall be considered discharged for all purposes without the necessity of further action by the owner of the equity of redemption or any other persons having an interest in the mortgaged property and, in the case of registered land, upon the payment of the fee for the recording of a discharge, the mortgage shall be marked as discharged on the relevant memorandum of encumbrances in the same manner as for any other mortgage duly discharged. 

THIS 'MORTGAGE ' is obsolete under this law being that there were not extensions to it since the forged falsified initiation on XX/XX/XXXX. 

This sale MUST BE DISCHARGED/RESCINDED AND THE 1099-A corrected to zero!! see attached land court folder

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I bought a car on XX/XX/2022 at XXXX. I had to return and re buy it again XX/XX/2022 due to the salesman did not include the extended warranty. The lienholder Exeter Finance only shows one loan. However, all three credit bureaus show two loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.

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 2022-03-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX  XXXX sad help me please XXXX 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
ECSI, a collection agency, reached out to me on behalf of an old debt to my XXXX XXXX XXXX In XX/XX/XXXX, I paid ECSI {$980.00}. The rep at the end of the call told me my account was paid in full and I would receive a letter in the mail stating as much. The letter I received from ECSI dated XX/XX/XXXX now has a past due balance of {$130.00}. I called ECSI at XXXX and they said I now owe a balance of {$250.00}. I do not understand how it is possible I owe additional money when I was told by their representative the balance had been paid in full in XXXX. I do not understand at all what they are even charging me for. I requested an itemized statement which I have not yet received. The ECSI rep indicated itemized statements could be obtained on their website at heartland.ecsi.net, however, I am unable to access. I graduated  from XXXX XXXX  in XXXX and have taken proper steps to remedy this debt, however, this company is trying to scam me out of even more money with no explanation! I would like for this company to provide an itemized statement, an explanation for how I was given a wrong total amount due in XXXX, and/or forgive the remaining balance down to zero. I would also like to note this company 's practices seem unethical as they do not make it clear they are a debt collection agency as required by the FDCPA. The representative insisted she was " XXXX XXXX '' even though XXXX XXXX verified they are a third party collection agency. They also sent a letter on XXXX XXXX XXXX letter head, which again, seems fishy. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Business Services, Inc.
State: FL

Complaint narrative:
The company Applied Business Service at XXXX XXXX XXXX, XXXX, NC XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), by using false or misleading language in an effort to collect a debt not owed. I've never done business with them before and they don't have a contract with my signature on it. 

I've requested information from them previously and they've never gotten back with me with the required documents.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: KEYCORP
State: CO

Complaint narrative:
I have multiple credit cards and when I contact my credit card companies I have been notified there were multiple cards sent out under my Social Security number thats attached to my cards without my permission I am a victim of identity fraud I even contacted the federal commission I have been trying to get this to stop however it seems like every time I put a report in I discover something else is going on. Ive had credit cards stolen and used and linked to without my permission. Thats just also includes the investment I was using the app for XXXX and I requested a refund of my money and instead of the refunding it they diverted it to a different type of currency been an ongoing thing for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received email from a Credit monitoring service that " there was a change in my credit history. '' When I investigated, I discovered a Chase Freedom credit card was opened in my name. I contacted the issuing bank, JP Morgan Chase Bank, at which time they shut down the card. I do have 2 other Chase credit cards, ( XXXX and XXXX XXXX ) that are " active ' and in use. I then contacted XXXX XXXX ( we have free credit monitoring from a data breach ) and they opened a case. I then " froze '' my credit file with XXXX, XXXX, and XXXX XXXX and also put on a Fraud alert. I was called XX/XX/XXXX by a representative form XXXX XXXX who I gave appropriate information after which they Closed the case. XXXX CASE # XXXX Closure : Your Identity Theft Case with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX, consumer and natural person am writing to notify you to stop all illegal and/or negative activities in association with but not limited to : my credit card, my name, and my vehicle. It has come to my attention that WELLS FARGO has violated me the consumer who is protected by federal and state law, by using my credit card without authorization illegally and producing a false promissory note with a forged signature. I WAS NEVER PRESENT AT XXXX XXXX ON XX/XX/XXXX TO SIGN THE CONTRACT THAT WELLS FARGO PROVIDED TO ME, NOR DID I GIVE CONSENT TO ENTER INTO THAT CONTRACT, AND THE SIGNATURE ON THE CONTRACT THAT WELLS FARGO SENT TO ME BY EMAIL IS AN ELECTRONICALLY FORGED SIGNATURE THAT WAS PLACED BY THE FINANCING MANAGER OR AN AGENT OF XXXX XXXX. I am disputing this alleged debt. 
I entered into a consumer credit transaction on XX/XX/XXXX for the purchase of a XXXX XXXX XXXX it was paid for and I owe no debt. However, on XX/XX/XXXX, WELLS FARGO violated my consumer rights by engaging in an unauthorized use of my credit card to obtain financing for a vehicle that I had already purchased when I entered into a consumer credit transaction on XX/XX/XXXX. I was not aware, nor given any notification of this transaction beforehand. 15 U.S. Code 1644 ( p ) defines The term unauthorized use, as a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
WELLS FARGO fraudulently used my credit card to produce a promissory note on XX/XX/XXXX, without authorization, which is evidenced by a statement that I received from Wells Fargo and the contract that I was sent via email of an alleged debt that is owed which is unequitable to me as a consumer. As a result, WELLS FARGO has violated 15 U.S. Code 1644 ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce 15 U.S. Code 1644 ( c ) Use of interstate commerce to sell or transport card. 
15 U.S. Code 1644 ( f ) Furnishing of money, etc., through use of card I, XXXX XXXX, a consumer am also protected by Florida state laws which were violated by Wells Fargo XXXX. WELLS FARGO originated a loan under my name on XX/XX/XXXX without my authorization which is violation of 817.54, Fla. Stat. ( 2016 ) by obtaining a promissory note by false representation 817.645, Fla. Stat. ( 2018 ) Alteration of credit card invoice, when WELLS FARGO furnished a new contract ( please see attachment )

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 2022-03-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.

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 2022-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I didn ; t even know I owed a debt until my credit report was pulled. The debt has been paid and nothing is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
I am XXXX XXXX this is a statement verifying my identity along with my proper identification attached. I received a letter stating this company believed that I didn't dispute the information in fact it was me so moving forward I would like to receive correspondences via this portal.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I didn't even know I had a collections until I pulled my credit. I took care of this debt but it is still showing I owe on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have accounts that do not belong to me on my reports and other items detailed in the attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime let unauthorized charges to my account I tried to call several times to get them to lock up the account they said they did so and then transactions were still being removed I would like to get feather look into the account it was a virtual hack I'm guessing they took money through email XXXX  XXXX  phone numbers all different ways and now they're denying my request for their funds returned

Company response to consumer: Closed with explanation