vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX reports one 30 day late payment to XXXX  Credit Bureau in XX/XX/2020. My payment was not late. My Lease expired XX/XX/2020 and was renewed for 6 months due to COVID. Lease extension was renewed for original lease amount of {$370.00}. Lease extension indicates additional amounts for taxes and fees may be due. I never received monthly statements under the extension until XX/XX/2020 but continued to pay the {$370.00} per month per the extension. I received calls in XX/XX/2020 that I owed money without explanation or any billing statements. Upon investigating, the amount due was for four months sales tax equalling {$99.00} which I promptly paid. The 30 day late payment reported to XXXX  indicates/implies I was late for my $ XXXX  monthly payment which is incorrect. I provided this information and explanation to KIA but they insist the report is accurate without explanation. I contacted them but to no avail. I filed a dispute through XXXX  and got the same result two times. XXXX  advised that KIA gave no explanation except that the report is accurate. KIA fails to acknowledge the issues and circumstances of the extension and no billing statements with the updated amount due. I saved every billing statement from the original lease.

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 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Capital One is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Capital One is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Capital One is in violation of 15 USC 1692h

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity fraud.

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 2021-08-31 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Navient is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Navient is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Navient is in violation of 15 USC 1692h

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity First Real Estate and Mortgage Inc
State: CA

Complaint narrative:
Fidelity 1st Funding withheld funds ( {$4000.00} ) in order for me to get a {$150000.00} loan for remodeling my home. I was told {$4000.00} would be held until I completed recommended repairs based on the appraiser 's report. The repairs were complete late XXXX/XXXX XXXX. I reached out to XXXX who stated it would be no issue to release the funds. I submitted pictures and receipts as requested and once again given the runaway. I was told I needed another appraisal which was not communicated to me at the time when I was told they would hold the funds. Then another individual XXXX started he did not care if I ever received the funds and would send them to the State of California for Governor XXXX to have. The entire loan process has been misleading. Every time XXXX assured there would be no problems, there were problems and miscommunications. The repairs the appraiser suggested were done. Not only were the repairs completed, but also approved by the City Inspector where I reside. There should be no need for me to pay for another appraisal when it's a matter of verifying the recommended were completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX I applied for a refinance with Rocket Mortgage XXXX # XXXX. I was advised that I would receive a refund for {$500.00} for my good faith payment and XXXX towards closing costs. I closed the mortgage on XX/XX/XXXX and noticed the XXXX was put towards my closing costs instead of being refunded to me as previously stated. Additionally, I did not see that the lender applied credit for XXXX as previously stated on the closing disclosure. I called Rocket on XX/XX/XXXX to voice my concerns and was informed that I signed the documents and there's nothing that can be done. I feel that there are concerns regarding UDAAP and I was misled and would like the CFPB to investigate what transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Navient is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Navient is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Navient is in violation of 15 USC 1692h

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
CAPITAL ONEXXXX {$320.00} CAPITAL ONE-XXXX-Balance {$430.00} CAPITAL ONE BANK USA N-XXXXBalance {$320.00} CAPITAL ONE BANK USA N-XXXX-Balance {$140.00} CAPITAL ONE BANK USA-XXXXBalance {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/2020 XXXX XXXX XXXX-Date of inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
In XXXX  I applied for a online loan with Net Credit in the amount of {$5000.00}. Net Credit was sued by the Commonwealth of Virginia state Attorney General for illegal loans and not having a license in Virginia my state of residence. Net Credit reports to the 3 credit bureaus that I owe {$7000.00}. Net Credit was ordered by the Virginia State Supreme Court to stop all collections on illegal loans in the Commonwealth of Virginia. I would like to have the Net Credit report removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CO

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, Texas, XXXX XXXX Consumer Financial Protection Bureau XXXX, IA XXXX RE : XXXX Account Number XXXX XXXX XXXX XXXX. 

On XXXX, I entered into an agreement with an online XXXX XXXX XXXX, through XXXX  online Message an agent messaging service. At that time, my XXXX XXXX Account reported some delinquencies on my Experian Credit Report. The online XXXX XXXX  Agent asked if I would make a one-time payment of {$500.00} followed by recurring monthly payments of {$170.00}, then XXXX XXXX would remove the reported delinquent months on my Experian Credit Report. I agreed to those terms and made the one-time {$500.00} payment plus the recurring monthly {$170.00} payments. 

Nothing yet was done. So on XXXX, I again spoke with an online XXXX XXXX Agent. This Agent was able to read the agreement I made with XXXX XXXX on XXXX. At this time, I requested a letter be sent to me indicating that my XXXX XXXX Account is current with no delinquencies. This XXXX XXXX Agent informed me that it can take like 5 business days to create [ the letter ] and can take up to 7 days to receive it. 

I finally received a letter from XXXX dated XXXX. The letter states that we ( XXXX ) have updated your Credit Bureau Report. 

However and still today, XXXX still has not updated my Experian Credit Report to report no delinquencies. This is six months after I have agreed to XXXX terms ( one-time {$500.00} payment plus the recurring monthly {$170.00} payments ). 

I have sent letters to Experian with the attached XXXX XXXX letter indicating that XXXX would make the changes. Yet, I have received no response from Experian and my credit report remains the same. 

Please call me at XXXX XXXX XXXX XXXX XXXX, if further information is needed. 

Sincerely, XXXX 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 2021-08-31 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: PA

Complaint narrative:
i checked my consumer reports and i the consumer seen that there was accounts on my report that i did not give consent to be open under my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on NISSN INF LT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital one credit card company suddenly restricted my credit card in XXXX with no credible reason. 
I tried to reactivate it, I sent them All the documents they asked me for how ever they went on to refuse activation. 
Also they refused to allow me to redeem my earned rewards that accumulated over the last 14 years, I believe it was just a ploy to usurp my hard earned rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 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: CO

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

XXXX, 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