vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NH

Complaint narrative:
XX/XX/XXXX I received a secure email from Kia for a buyout quote good until XX/XX/XXXX, the amount was {$17000.00}. 

XX/XX/XXXX I made a payment of {$2900.00}. This should have brought the balance down to {$15000.00} but it did not. It was brought to {$15000.00}. 

XX/XX/XXXX I called Kia to ask why. Was told that it was sales tax. I explained that there is not sales tax in NH. They said that they would correct it. 
Called back XX/XX/XXXX as it had not been fixed. Was told that it was a Rental Tax. I paid it. The balance now shows at {$15000.00}. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again. 
XX/XX/XXXX called for updated buyout quote and last two payments applied to the account to be emailed to me and faxed to buyout company. 
XX/XX/XXXX Received complete payment history with no buyout quote. 
Called XX/XX/XXXX - Asked again for information to be sent as nothing has been received. They said that it was sent. Asked for it again. 
XX/XX/XXXX Was sent secure email from Kia showing only a full payment history. 
I can not have another company purchase my car, until they release this information.

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 2020-08-05 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: MA

Complaint narrative:
see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account without acknowledging me. They never took care of old issues. Still I can not get through. Chase does not have my address to send check. My unemploysas being deposited and I want it to go through. Chase refuses to respond to 10 calls yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The mortgage company that I deal with : Mr. Cooper has continually manipulated my monthly payments by applying my regular monthly payment and, any additional principal I add, and apply that entire amount directly as a principal payment without notice. My last monthly payment ( plus {$100.00} toward principal ) dated XX/XX/XXXX was applied as a principal payment. This situation has  occurred several times before. Numerous times I have had to call and complain. During one of these calls, I was told that if I " signed up '' for online payment on their website that I would no longer have an issue with payments. I did not want to make online payments but, thinking that would alleviate the above issue, I agreed. 
As for the online process, it is straight forward in steps, it clearly asks if you want to make a " regular payment '' and in step 2 it asks if you wish to add extra for principal or escrow. Why is Mr. Cooper not processing my payments correctly? Why are they not notifying me that my payments are not being applied correctly. I believe, because at times I wish to make advanced payments a few months ahead that they take issue with that. Due to the fact that we are all going through unprecedented times I am taking measures to ensure that at least my mortgage among other things is covered, just in case. If Mr. Cooper takes issue with me making advanced monthly payments, they should notify me immediately. 
My mortgage has been transferred 3 times since XX/XX/XXXX. Nationstar/ Mr.Cooper are the only lenders I have had adverse issues with. I do not believe they deal with their customers in good faith including other aspects of a loan, namely, escrow. My last escrow audit was strange to say the least and not explained very well when talking to a representative. During that conversation and on a different issue, the representative said that she would immediately send an e-mail explaining my pay-off amount for my mortgage. The e-mail was never received. 
I wish to respectfully request your office look into the above issue. Thankyou!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently checked my inquiries for a car loan I applied for back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX has improperly pulled my credit when I asked for more information about a car in XX/XX/XXXX. On XX/XX/XXXX, when applying for a XXXX, Ive received multiple hard inquiries from multiple banks despite choosing to bank with XXXX XXXX for the auto loan in the end. The multiple inquiries never were counted as one and they are still on my credit report. Furthermore, I recently traded the XXXX in for a XXXX and received an auto loan from XXXX XXXX but noticed XXXX XXXX made a hard pull on my credit report on XX/XX/XXXX. Please remove that inquiry also since I did not end up going with that banks loan. I would like the credit bureau to remove the inquiries that had nothing to do with the loan I ended up choosing to finance my car.

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 2020-08-05 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: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX aound the XXXX I noticed my ATM way not working so I called the XXXX number and they said it was the activity and they would fix it so they said they did I went to check it and nothing I called again and the person said ok I fixed ot try it now and I did and it worked so the next morning I tried it and nothing and so I called and they said that the fraud unit was investigating and would not say anything about it then in the XXXX I got a letter saying it was a business decision to close the account and it would be on the XXXX of XXXX nothing else about what why or how come then on the XXXX  my social security check went in I got it and deposited in my new account and there was still 2000 in the account in the account they then sent another letter saying that they will try and resolve this by the XXXX of XXXX and then it says it XXXX take longer on XX/XX/XXXX the account was closed and the money stayed in there for a couple of weeks and then with out any notice or anything it was taken out and I dont know what or where it went not my social security check i was to receive for XXXX I have not received and if this account is closed why ate they accepting a deposit from social security when it should have be not allowed into the account i have not heard anything from this company since they sent some letter acting all secretly like i was it was something important and it just said we are looking into this and such

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 2020-08-05 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: CA

Complaint narrative:
I have recently checked my inquiries for a car loan I applied for back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX has improperly pulled my credit when I asked for more information about a car in XX/XX/XXXX. On XX/XX/XXXX, when applying for a XXXX, Ive received multiple hard inquiries from multiple banks despite choosing to bank with XXXX XXXX for the auto loan in the end. The multiple inquiries never were counted as one and they are still on my credit report. Furthermore, I recently traded the XXXX in for a XXXX and received an auto loan from XXXX XXXX but noticed XXXX XXXX made a hard pull on my credit report on XX/XX/XXXX. Please remove that inquiry also since I did not end up going with that banks loan. I would like the credit bureau to remove the inquiries that had nothing to do with the loan I ended up choosing to finance my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently checked my inquiries for a car loan I applied for back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX has improperly pulled my credit when I asked for more information about a car in XX/XX/XXXX. On XX/XX/XXXX, when applying for a XXXX, Ive received multiple hard inquiries from multiple banks despite choosing to bank with XXXX XXXX for the auto loan in the end. The multiple inquiries never were counted as one and they are still on my credit report. Furthermore, I recently traded the XXXX in for a XXXX and received an auto loan from XXXX XXXX but noticed XXXX XXXX made a hard pull on my credit report on XX/XX/XXXX. Please remove that inquiry also since I did not end up going with that banks loan. I would like the credit bureau to remove the inquiries that had nothing to do with the loan I ended up choosing to finance my car.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my Equifax report. Also, I checked XXXX and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY XXXX XXXX XXXX XXXX IN XXXX CA XXXX IN XX/XX/2019 AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XX/XX/XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XX/XX/XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XX/XX/XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A XXXX XXXX XXXX XXXX LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian currently reports inquiries that is in Violation of fcra rules. Theses inquiries had no proof of permissible cause, no loan or credit has been awarded as a result these inquiries are a violation of FCRA rules section 1681.

Inquiry under the name ; ( XXXX ) inaccurate reporting a violation of FCRA rules

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my XXXX report. Also, I checked XXXX and TransUnion and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE.  I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my XXXX report. Also, I checked Experian and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account  immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.

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 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I can not connect my account to zensales to use for my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY BANK OF THE WEST IN XXXX CA XXXX IN XX/XX/XXXX AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XXXX XXXX XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XXXX XXXX XXXX XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A BANK OF THE WEST LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.

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 2020-08-05 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: MI

Complaint narrative:
On XX/XX/XXXX I mailed a letter to Transunion disputing several accounts reporting on my credit file that were reporting erroneously. I asked them to verify the accounts and validate that they in fact belonged to me as well as are reporting correctly. I received a response from Transunion on XX/XX/XXXX stating all the accounts were verified. It is required by the FCRA that when they verify accounts they send whatever documentation, such as a signed contract, they have received to the party disputing. They did not do this. I sent a letter on XX/XX/XXXX requesting this documentation. On XX/XX/XXXX I received another response from Transunion stating they had validated the accounts again, but they failed to send the documentation they were required to send and I requested. On XX/XX/XXXX, I sent a final letter requesting this documentation again, asking they respond within 15 business days since they have had over 90 days to produce this documentation and as of today XX/XX/XXXX, they have NOT produced this documentation.

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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter Young is fraudulently verifying account XXXX on my XXXX   report. 

Carter Young Inc is still attempting to collect on a debt that was already PAID to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid the original creditor on XX/XX/2020, however Carter Young is still Fraudulently verifying this debt on my XXXX credit report.

This is fraudulent reporting because Public Law 104-191 ( " HIPAA '' )  since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. 

I demand XXXX and Carter Young DELETE ALL. references to this account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This incident started with the sale of a used home oil furnace that was listed on XXXX and XXXX marketplace. I was contacted on XX/XX/2020 from the XXXX ad to purchase the furnace. The initial email used the domain with " electricalservices '' to make me think this was legitimate, but later was changed to regular gmail account during the email thread. After an agreement of the price of {$870.00} plus {$70.00} extra for the moving service, the seller asked for me to remove the listing as the seller made arrangements to get the cashier 's check sent. On XX/XX/XXXX, the check arrived for the amount of {$2900.00}, which was supposedly for paying the movers for the seller 's other properties. The check was deposited Chase mobile banking and I waited for the funds to be removed from its pending status. On XX/XX/XXXX, the status was no longer pending and part of the funds ( {$2000.00} ) was sent via XXXX ( Chase Bank 's electronic money sending service ) to another email the seller provided. The seller then backed out due to a death in their family and no longer was interested in the purchase of the furnace. The remainder of the money ( {$900.00} ) was sent to the same email for the thought that this was " dirty '' money and I did not want it in my bank account. The same day, I contacted the local police to begin their investigation ( case # XXXX ). On XX/XX/XXXX, the check was returned due to being deemed altered / fictitious. With the police reaching a dead-end in their recovery search, I am without the {$2900.00} in my checking account.

Company response to consumer: Closed with explanation