vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Bought my new Kia in XX/XX/XXXX, started first regular payment XX/XX/XXXX. I have been making double payments to Kia Finance every month up until XXXX. Every month I called and asked the overage to be applied directly to the principal because I was told I HAD to call or they would not do that. Turns out they were not doing that anyway. I have a log of all my calls and who I talked to and I even told one of them in XX/XX/XXXX that I did not believe my payments were being applied correctly and she rudely told me I just did not understand and was wrong. I kept making my payments though. Fast forward to XXXX and I am looking to get rid of the car because of some issues, the dealer tells me my next payment on my car is not due until XX/XX/XXXX. THIS MEANS MY PAYMENTS WERE NOT GOING TO THE PRINCIPAL! They were just advancing my payment and applying it to the total loan even though that is NOT what I asked them to do. I have a log of everyone I spoke to and what day. I KNOW what was said. I then spoke with a supervisor on XX/XX/XXXX who assured me they would pass this issue on to the payment department, ( who by the way they will not let customers speak with ) and that I would have it fixed in a week. It has now been two weeks. I called again on XX/XX/XXXX and was told my concern would be escalated and I would be sent an email when they fix and adjust my payments. STILL zero communication from anyone and the issue is not fixed. Not to mention when I add my payments up, money is missing and every time I asked about that, they changed the subject and would not answer. THIS COMPANY IS HURTING CONSUMERS. They are blatantly trying to make us feel XXXX and confused so that they can apply our payments wrong and take more of our hard earned money. Kia Finance should not be allowed to continue in this way and I want someone to ACTUALLY help me and not just say they sent a request over. Even the dealership said they were applying my payments wrong, but every time I called they assured me they were. I literally have no ability to even help myself as this company continues to XXXX me over. There is no transparency and no way to see where my missing money went. I am at my wits end. Please help!

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 2021-09-30 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: MO

Complaint narrative:
I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond.

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT.

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.

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 2021-09-30 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: CL Holdings LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ... JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: MD

Complaint narrative:
I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
UCC has received multiple Affidavits and has failed to respond. An un-rebutted Affidavit stands TRUE in court!

UCC has violated my privacy! My consumer rights have been violated. United Credit and Collections has continued to harass me about this alleged debt. United Credit and Collections INC has violated federal law. United Credit and Collections has failed to properly respond to my notarized Affidavit. I have all proof of attempting to settle this amicably. United Credit and Collections has threatened actions that can not be legally taken under the Fair Debt Collection Practices. United Credit and Collections is civilly liable. United Credit and Collections is in default and now agrees with the facts. United Credit and Collections violated
the following laws : 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e. ( 2 ) ( A ) 15 U.S. Code 1692e. ( 5 ) 15 U.S. Code 1692e. ( 7 ) 15 U.S. Code 1692e. ( 10 ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692c ( a ) 15 U.S. Code 1692c ( b ) 15 U.S. Code 1692h 15 U.S. Code 1692k ( a ) ( 1 ) All proof is attached

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: DC

Complaint narrative:
XXXX claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and equifax however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XX/XX/31 and its only showing open from XXXX and equifax however XXXX is still reporting this account as closed but my credit has dropped with them as well XXXX either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by ally gap as well as deductible from the initial settlement amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
This is regarding a fraud dispute of a my account ending in XXXX with Chase. An unauthorized transaction was done on XX/XX/2021 of an amount of {$1700.00} on XXXX. The fraud recovery department of Chase has not properly investigated the claim on my repated requests three times in last two months. Even it has not fully reviewed the evidence provided and declared the transaction valid. I had directly contacted the merchant XXXX  and informed them and Chase promptly about the fraud. The XXXX told me that they have cancelled the ticket # XXXX forthwith and passenger would not able to fly. Hence no travel occurred. They promised to issued the refund to my card which was never issued. My refund complaint ID with them is # # XXXX # # ( please see attached ). Therefore it is requested that Chase should please properly investigate the matter in the light of evidence provided reverse this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to Experian and never received anything.

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 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, my Coinbase account was hacked using the SIM swap method. By gaining control of my cell phone the hackers were able gain access to my Coinbase account and stole {$4500.00} worth of XLM cryptocurrency by transferring it to an ( according to Coinbase ) to some unknown destination. Additionally, because I had overdraft protection from my bank linked to my Coinbase account, the hacker was able to transfer {$3500.00} to Coinbase account and purchase more cryptocurrency. 
I have been trying to recover the amount of cryptocurrency stolen from my Coinbase account since XX/XX/XXXX. I was able to recover {$3000.00} of the funds taken from my bank account because I altered my bank about the Hacking incident. 
Coinbase finally sent a response to my problem on XX/XX/2021 ; basically saying there is nothing they can do about recovering the {$45000.00} in XXXX cryptocurrency stolen from my account. In fact they now claim I owe them money because my bank reversed the funds the thief had stolen. 
Coinbase is a cryptocurrency exchanged used by millions of Americans and it should provide adequate security to protect its customers from hackers. Instead Coinbase does not accept any responsibility and says there is nothing that can be done ; the customer just out of luck! 
The CFPB should really investigate Coinbase to uncover the lack of online security protection it has to prevent hackers from gaining access to customer 's accounts and for the lack of accountability it has towards maintaining the assets in those accounts. I am sure there are many others like myself that have been victimized by Coinbase 's lack of concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have no outstanding debts owed reflected in my credit report. Yet I am getting repeated voicemails left at my work phone number. I have recordings of the message available, as I am now work from home due to the pandemic, and all voicemail messages are emailed to me. 

The most recent voicemail was XX/XX/21, and they leave messages 2-3 times a week. 

Transcription of the message left is " We have an important message from South West credit systems. This is a call from a debt collector. Please call XXXX at your earliest convenience. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Possible Financial Inc
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: PA

Complaint narrative:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXX XXXX  during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Complaint Number # XXXX IS NOT CLOSED. LoanCare responded partially with insufficient and incomplete information, they didn't mention when they received the money. So my request is not addressed completely as there is no information on the extra interest I paid, who'll pay me back. I believe CFPB didn't notice my initial request and incomplete response from LoanCare and closed the request by mistake. XXXX accepted lately that they received the fund on XX/XX/XXXX. But it was originally sent to LoanCare ( prior Loan company ) on XXXX XXXX. While sending the money the payoff was calculated till XXXX XXXX, so ideally they will return the extra interest I paid for 3 days ( XXXX, XXXX, and XXXX XXXX ). This information is not available with XXXX. LoanCare never shared that information to XXXX, rather they are mentioning when they sent to XXXX. Why after 14 days? Who'll pay me back the extra money I paid. Called LoanCare Office of the Customer, they did not agree to include that in the response, saying loan is closed from their end.

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I do not recall having this account or being associated with this company ever! The monthly payment, credit limit, and terms are missing from the report. I have disputed this account multiple times but it's still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Bliksum, LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio America Asset Management, LLC
State: KY

Complaint narrative:
This company continues to place inquires on my credit and moves the date of service to keep the debt current.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XXXX of XXXX after being affected by the XXXXOVID Pandemic we applied for and received Pandemic forbearance. In XXXX of XXXX I called my mortgage company, Mr. Cooper and asked to restart payments. I was told they would review with the VA what was allowed to make up the missed payments, and they stated it would either be a deferment or a loan modification. They then told me a week or so later that I didn't qualify for a deferment and that they could only offer a repayment plan of the missed payments over 10 months or a loan modification plan. The repayment option would increase my monthly payment from {$2400.00} to {$4500.00}. per month. I obviously can not afford to almost double my mortgage payment for the next 12 months. I objected to that and they said they would restart my forbearance and review the loan modification process. It took them until XXXX to make a decision that I did not qualify for a loan modification because they calculated my disposable income at over {$6000.00}. per month. My take home pay is {$6200.00} per month, and I have a {$580.00} VA XXXX payment. My total take home is under {$6800.00} per month. I have XXXX children, ages XXXX, XXXX, and XXXX. After regular mortgage payments, utilities, food and clothing along with my other financial obligations we are just able to make ends meet. With the {$4500.00} mortgage payment not an option, I sought out a refinance. I am fully approved for the VA IRRL which would have closed on XXXX and would lower my rate from 4.25 % to 2.99 % thus putting me in a much better position financially. At this point Mr. Cooper is blocking the refinance. If they would allow the refinance to move forward they would have the funds wired to them within 3 days to pay off the entire loan balance. The only logical explanation would be, that Mr. Cooper is using this tactic to force a foreclosure on my home because of the estimated {$160000.00} in current equity and homes in my area selling in an average of 8 days or less.

Company response to consumer: Closed with explanation