vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
On XXXX XXXX XXXX I received a letter from Hyundai Motors Finance- Payoff Dept. that referenced to my pay-off amount of XXXX. I called Hyundai Motor Finance on XXXX XXXX XXXX to inquire about balance. Hyundai Motors Finance informed me that there was interest that accrued over a period dating back to the months of XXXX XXXX and XXXX XXXX payments. Hyundai Motor Finance also asked me to contact the gap insurance company. I corresponded with the gap insurance company who referred me back to Hyundai Motors Finance to resolve this matter. The pay-off amount should not be my responsibility due to my insurance company XXXX XXXX XXXX XXXX and my gap insurance benefits have already covered the total loss of my vehicle. My complaint with Hyundai Motors Finance is that they are charging me for interest and fees that should have been included in my monthly payments. Hyundai Motors Finance was unable to provide me with the proper documentation for the interest and fees. I am unable to access the account due to Hyundai Motors Finance freezing the account during the insurance claim to prevent further payment action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) are in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to XXXX on XX/XX/XXXX 1/ Another request for Error Resolution Notice Unger 12 C.F.R.1024.35 email and fax XXXX and Trustee XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) But both of them continue to ignore my request. Today, XX/XX/XXXX I received this note from XXXX with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request XXXX many time. XXXX clearly does n't care about customer service or customer satisfaction. Nobody trust this company. 
Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. Attachments : 1/ Request for Reinstatement__XX/XX/XXXX 2/ Error Resolution Notice Plus__XX/XX/XXXX 2/Useless letter from XXXX__XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had closed my credit card with Bank of America X/XX/2017 # XXXX due to someone hacked into my credit card. After closing my account, Bank of America were allowing money laundering activities to take place in my closed account. 

Up to about {$10000.00} telephone transfer was deposit into my account and similar amount rejected or send back to someone ( I do n't know to who ).  Bank of America have not stop these activities nor block my account at all. 

XX/XX/XXXX - {$1000.00} deposit/withdraw XX/XX/XXXX - {$1000.00} deposit/etc. 
XX/XX/XXXX - {$200.00} deposit/etcXX/XX/XXXX- {$1100.00} deposit/etc. XX/XX/XXXX -XX/XX/XXXX {$1500.00} deposit/etc.XX/XX/XXXX - {$1800.00} deposit/etc.
XX/XX/XXXX - {$1700.00} deposit/etc.
On X/XX/2017, I had emailed " XXXXXXXXXXXX ' '' to resolve fraudulent activities/money laundering. I had received zero response from XXXX. 

XXXX, After closing my checking account AND my credit card account, there are continuous Suspicious Activities occurring in my closed credit card account which I am NOT responsible for because the credit card account was already closed. 

Please STOP allowing my CLOSED ACCOUNT to act as a vehicle for money laundering activities immediately. 

Please track all the telephone transfer going into my account as Suspicious Activities - they are NOT MINE. 

Any withdraw leaving out of my account going to any 3rd parties checking are Suspicious Activities - they are NOT MINE. 

Please reference that these were Bank of America internal controls at fault, not catching closed credit card activities and allowing for repetitive deposit and withdraws into and out of a closed credit card account - they are NOT MINE. 

Due to the credit card account was hacked, I had already reported the account was to be closed. Did BofA monitor the hacked account and activities? I had received half a dozen correspondence of deposit and withdraw after a closed account. 

As these are in the tunes of over $ 5,000+ ... NOT my activities, I am holding BofA liable in allowing my closed account to be used to conducting criminal activities and money laundering. Please respond by Tuesday XX/XX/XXXX close of business that I am not responsible for all activities in and out of my account after the account was closed or I will report this to CFPB and OCC. - XXXX XXXX On X/XX/2017, after I had received the {$1700.00} deposit into my closing account, I had called BofA again, and no one was able to access my account in the fraud department ( OMG ) and no one was not able to help me after transferring me. Please shut down BofA for wire fraud/mail fraud/money transfer fraud and release me from any liabilities as whistle blower. 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 monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Immediate Credit Recovery
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX at roughly XXXX PM I was contacted by XXXX XXXX XXXX and was told to verify who I was by my last four of my Social Security number. I asked for the name of the company that was calling me and was told I could n't get that information until after I had verified the last four. I refused to give that information out and the representative proceeded to state my Social Security number. 

I told him I wanted to speak to his manager. I get his manager, XXXX XXXX, and was repeatedly talked over and yelled at all the while trying to get their address. He refused to give it to me. I did verify that the company 's phone number was XXXX XXXX XXXX XXXX. I then asked to speak to his manager. 

I was transferred to a colleague of his, XXXX XXXX, and I asked for their address. XXXX XXXX repeatedly talked over me and would n't answer the question unless I verified my last four of my Social Security. He kept refusing to answer the question and hung up on me when I asked to speak to his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY BANKRUPTCY SHOWS THAT IT WILL COME OFF MY RECORD ON XXXX MY BANKRUPTCY STARTED IN XXXX SO IT SHOULD BE DISCHARGED XXXX AND ALSO IT SHOWS 2 SEPERATE BK ON MY REPORT AND ALSO I PAID ALL DEBTORS OF BECAUSE MY BANKRUPTCY BACKFIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company = Portfolio Recovery Tel # s : XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX I have had at least 50 phone calls from these people over the past 6 months. They never leave a message, and on the numerous occasions I have answered the call, no one responds. The last phone call i had from them was today, XXXX XXXX, at XXXX. 
I finally called them back today at XXXX, and asked them to remove my number from their database, they said they could n't do based on phone number alone, and asked for further personal information, which i refused to give them. The person i spoke to was called XXXX XXXX, a manager. 
Other than a mortgage that is very much up to date, i have NO debts. 
Any help stopping these incessant phone calls would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 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: PR

Complaint narrative:
This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against XXXX XXXX for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized XXXX XXXX XXXX hard inquiries : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XXXX/XXXX/XXXX Equifax reported AGAIN a XXXX XXXX hard inquiry. I am really tired of doing this every time in fact is my intention to sue XXXX XXXX if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to Transunion and XXXX several times to make correction to what is reported on my credit history : 1. Transunion is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction. 

2. XXXX is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes. 

Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.

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 2017-08-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to Equifax about 2-3 times within the past few months to get my credit card reported however they 've failed to do so. I 've emailed and called them. I first emailed them on XX/XX/XXXX and notified them that my credit union had sent them information regarding my credit card. I then called them about 2 weeks ago and asked if they had received the information to update my report. They stated that I would need to reach out to the credit union to have them submit the information. The credit union has sent me confirmation of what they 've sent to Equifax on XX/XX/XXXX. It 's been almost 2 months and my credit card still is n't being reported. Equifax told me it would only take 30-45 days to update this information. I 'd like my credit card to be reported to them as soon as possible, as this will boost my score and will further increase my chances of purchasing a property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: GA

Complaint narrative:
As stated in previous messages, I am requesting physical validation from your source that this bankruptcy debt is mine. I do not care for a written statement without proof, this is the second time I have stated this and if you do not provide physical proof you 're in violation of my right and I will be force to seek legal action at this point. 
I am requesting that ALL accounts that is attached to such bankruptcy be deleted and an update credit report mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unknown account XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone XXXX XXXX XXXX XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History

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 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I work for the Consumer Financial Protection Bureau and by law ca n't have my phone for privacy reasons so it is left at home. I got home and immediately scheduled my payment. It indicated it would not post until XX/XX/XXXX and was due XX/XX/XXXX. I was devastated. I immediately called and spoke with XXXX and he stated he could not process on the XX/XX/XXXX since it was after XXXX XXXX EST ( XXXX EST ). I asked to speak with a supervisor and he connected me with XXXX (? ). He told me he could n't accommodate me. I asked to speak with his supervisor and was advised I would be able to speak with her in 24-48 hours. I have been a card holder since XX/XX/XXXX and have never been late. My payments have either been early or on time. I advised I had the same issue with XXXX credit card and they were understanding and accommodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make Nationstar aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from Nationstar who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on Nationstar Mortgage now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX store finance card from Synchrony is a predatory company that no one should ever borrow from. They provide VERY deceptive information about " late payment '' fees and the date these payments due are revolving. The charge is absolutely absurd as well and once an account is " closed '' they wo n't work with you to resolve any issues only ding you with massive late fees etc and laugh their way to the bank.

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 monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
Good Evening, On XXXX FedLoan Servicing granted me an administrative forbearance for my IDR ( Income-Base ) Repayment plan because they have failed to process my documents in a timely manner. My annual repayment plan is configured and renewed every XXXX for the following year. Unfortunately because they put an administrative forbearance on my account, they financially made a monetary error by capitalizing my interest which should have never happened in the first place! 

I have sent all of my paperwork in a timely manner since XXXX/XXXX/XXXX. The correct amount before interest was capitalized was a balance of {$29000.00}. The incorrect balance that my student loans is currently at is {$32000.00}. The amount of interest that should not have been capitalized at this time frame is {$2600.00}! I still have 18 years to go on my consolidated student loan plan before interest is capitalized and my loans are forgiven! 

Now that FedLoan Servicing has an administrative forbearance on my account each month will not count as a payment towards the 18 years left that I still have on my plan. This is unacceptable and the correction should be made in a timely manner! Please respond to this problem. I greatly appreciate your time and effort in reading my problem with FedLoan Servicing. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 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: FL

Complaint narrative:
On XXXX XXXX, I mailed a certified letter return receipt to transunion credit! XXXX # XXXX XXXX XXXX XXXX XXXX. 

Requesting them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C.s1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX cu # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Florida XXXX XXXX docket # XXXX Transuions re-investigation result say that my disputes not specific ; verified and updated. 

However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my Right under the Fair Credit reporting Act.

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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to XXXX and Experian several times to make correction to what is reported on my credit history : 1. XXXX is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction.
2. Experian is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes.
Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.

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 2017-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company keeps harassing me, calls me feom different numbers and like 20 calls from this company. I work and company calls me like 20 times and I can not work. They call people that I know to get information from me. They threaten me to sue me if I do n't pay but I told them I will pay

Company response to consumer: Closed with explanation