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

Complaint narrative:
I purchased a car from Hyundai and mailed my first payment to the address in my coupon book for more than the required monthly amount due. 

Hyundai Kia Motor Finance Company XXXX. XXXX XXXX XXXX, TX XXXX First pmt due date - XX/XX/2020. 
Payment received and cashed by Hyundai - XX/XX/2020 XXXX statement was received in the mail on Tuesday, XX/XX/XXXX saying I was past due. I verified the payment was sent and received by the appropriate date - Hyundai has misapplied my payment or posted it to another account and now they are negatively impacting my credit and charging me a late fee for their error. This is my first car buying experience and Im very upset. 

My payment was sent via bill pay by XXXX XXXX. Confirmation XXXX. 

I submitted an inquiry to Hyundai and they have not responded in their stated SLA. I called the finance company tonight and spoke to phone representative XXXX XXXX who failed to assist nor track down which account they wrongfully applied my payment too. She refused to waive my fee and told me they would not adjust my credit score that I had to do that on my own. They transmit data in metro II format much like other creditors and have the ability to resolve credit bureau reporting via direct dispute or indirect. I requested to speak to a manager and she told me they dont have any managers as a result of COVID-19. 

Im very upset with my first car purchasing experience, Hyundais Inability to apply a payment is resulting in negative customer harm. They are intentionally choosing not to assist and conduct the proper diligence to locate the application mistake. Again, Hyundai has my money and is requiring me to pay an extra {$700.00} plus a fee because of THEIR own mistake.

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: The Receivable Management Services LLC
State: NE

Complaint narrative:
I've been asking for applications to show some kind of proof that I apply because I dont remember applying

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 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC VIOLATION FCRA INQUIRIES NOT AUTHORIZED

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

Complaint narrative:
FTC VIOLATION FCRA INQUIRIES NOT AUTHORIZED

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Can not access EXPERIAN Dispute Center online for the past year. " We're experiencing technical difficulties and can not access your report at this time '' is the message that perpetually appears. 
Furthermore, no one answers EXPERIAN 's published phone number ( XXXX ). Customer courtesy and service is totally lacking. 
Why should consumers have to purchase an envelope and stamp and go the the Post Office to register a Dispute in these troubling times?

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
I've been asking for applications to show some kind of proof that I apply because I dont remember applying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I had XXXX in charges occur on this shell.CBNA in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # 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 explanation
Consumer complaint received 2020-05-08 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I had XXXX in charges occur on this XXXX.XXXX in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: E. Margriet Langenberg, P.C.
State: VA

Complaint narrative:
On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( XXXX. XXXX XXXX, XXXX VA XXXX ) sent me a payoff statement as well as a transaction report of assessments, late fees, and payments made for individuals who are not me. I alerted Langenberg and asked why this was being sent to me and if any of my personal information had been released to any uninterested third parties. 

Their only response was to send me the statement and transaction report under my name with my information. They did not address if my personal information had been released to anyone else. 

On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( see above for address ) sent an email telling me a payment arrangement with my HOA had been declined because I had not made any good faith payments ( a complete falsehood given the Langenberg firm had received a payment and such payment had been cashed weeks earlier ). And again they sent me the personal information of an unintersted and unrelated third party. 

I believe their actions are a violation of Section 805 of the Fair Debt Collection Practices Act. 

They have still not responded to my request as to whether my personal information has been released through their negligence to a third party, so I can only assume it has. 

I am asking for damages in the amount of {$500.00} per occurrence for a total of {$1000.00} given their negligence, sloppiness, the fact they won't answer my simple questions, and that consumer privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare Acct # XXXX is reporting the verbiage " Student loan-payment deferred- Account in Forbearance '' on my credit report. This account is NOT in forbearance. This account is current and has never been late. The verbiage is preventing me from being able to Refinance my home. I have called several times and have been told that the issue has been resolved but it has not.

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY  PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : CONTRACTOR/SELF EMPLOYED YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT

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 2020-05-08 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: NY

Complaint narrative:
unauthorized credit inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I contracted with XXXX in XXXX of XXXX to install a solar   system  at my residence. I financed the solar system through XXXX preferred lender, Mosaic Solar. XXXX led me to believe that they could install the system before the end of the XXXX tax year. And when the system was installed and active, I would no longer pay my utility bill, but would I would have a loan payment. On XX/XX/XXXX, I received an email from the XXXX project coordinator saying that they in the process of getting a building permit. The result was that the system was not install by XX/XX/XXXX, costing me to lose out on a portion of the federal tax credit in the amount of about {$2500.00}, in a year that I needed it. 

In XXXX and XXXX, I waited to hear from the project coordinator about the installation, making a few calls, but not receiving any answers. I finally received an email on XX/XX/XXXX from a new project coordinator, stating they were still waiting for a permit. On XX/XX/XXXX, I received two emails, one from the new project coordinator re-stating that they were still waiting for the permit, and the other, a notification from XXXX stating that they were suspending installations because of the shelter in place situation in California. 

Then, on XX/XX/XXXX, I noted a debit to my checking account from Mosaic in the amount of {$200.00}. I called Mosaic, and was informed that this was my first monthly payment on my solar system loan. Further, I was told that 50 % of the funds, some {$14000.00}, had already been distributed to XXXX. I complained that the solar system was not installed yet, had not even been started to be installed, and in fact there was no building permit applied for. They told me they were going to investigate further, and to date I have not heard anything further. I have tried calling XXXX, however, they have stoned walled me, and will not discuss anything beyond the fact that they are not doing installation until the shelter in place is lifted. 

In the meantime, I am continuing to pay my utility power bill ( ~ $ XXXX/month ) and now on top of that, a loan payment for a non-existent solar power system ( ~ $ XXXX/month ). Instead of reducing my monthly utility costs, I am now burdened with a loan for a non-existent system on top of my utility costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. 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 explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I sent a money transfer to one of my XXXX  in XXXX, XXXX. 
The transaction was made on XX/XX/2020. 
Due to the Pandemic and the laws in that Country, the person to whom the transaction was made to, XXXX XXXX XXXX XXXX, he was not able to leave the premises where he lives due to the Pandemic and the Corona Virus 19. 
He was allowed to leave after the laws were less restricted and he went to pick up the money sent on XX/XX/XXXX but was told by the company there that something was wrong with the transaction. He then called me to ask me why and what was going on. I called the company here : XOOM, ( a XXXX   company ) and I was told that the money transfer was cancelled due to the fact that the person did not show up early enough to pick up the money. I requested from XOOM to resend the money transfer again but they refused to do so, reasons? I do not know. I have letter that show evidence of my claims to XOOM but they declined to help and shut me up telling me that nothing they could do. All I was asking was to RESEND the transfer the same way it was when first sent on XX/XX/XXXX, but they refused. I told them that I shall file a legal complain but they never answered me back. What do you suggest I would do? This Company feels they are " almighty '' and refuse to resend it. 
Thanks for your kind attention to my request. 
Sincerely, XXXX XXXX. XXXX XXXX

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

Complaint narrative:
I have been paying ahead on my mortgage payments and the XXXX XXXX company uses my payments for principle only payments. I have asked them to correct the payments so they reflect that I am paying months ahead. I am XXXX XXXX XXXX with little time left and want to create a cushion for my wife so she doesnt have to worry about making payments for several months. I believe this XXXX XXXX mortgage company has ignored my requests and or just refusing to honor my request. They have said that I need to have authorization to pay ahead on my mortgage but it sounds really stupid that a lending institution wouldnt want to have an account payed forward. 

XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, a fraudulent hard inquire was made to my Transunion credit record by XXXX XXXX  XXXX, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. XXXX XXXX XXXX refuses to issue an inquire deletion letter that Transunion unreasonably demands. 

In short, both the lender and Transunion refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1. XXXX XXXX ~ {$16000.00} 2. XXXX ~ {$3000.00} The above accounts are continuously appearing on my Equifax report and I did not open these accounts and have written to Equifax to remove them as they are fraudulent. 
But Equifax either removes and replaces them or flat out do not want to remove even with proof and with an FTC Identity theft report sent out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I lost my part time job and i now have XXXX and moved in with my father.While i worked i got a loan with Moneykey.After i lost my job i got behind.Then the collection calls started.I got a debt relief lawyer the XXXX law firm to settle the debt.Monkey claims they will not work with this law firm.I talked to the XXXX Law firm and said they have worked with Moneykey before.Moneykey then started phone calls and threats.Can you please help me.Moneykey corporate office is XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These accounts are not mine. Please remove them.

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