vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have not received my title for the vehicle I have paid off XX/XX/2020. Kia Motor Finance will not release the electronic lien because they are not able to get in contact with the titles department. I have called for the last 30 days, every other day. Every customer service person from 5 supervisors to 3 managers has stated they have not received anything back from the Kia titles department.

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 2020-10-06 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: CT

Complaint narrative:
For the past month, I have been trying to get a total of 10 hard inquiries removed from my credit report that I did not authorize. The inquiries/unauthorized dates are listed below. **XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX.I sent disputed letters to Equifax to verify these inquiries/ the information comes back verified. I called the creditor to requested a letter for deletion, EACH creditor informed me that there is no record of  a " XXXX XXXX XXXX '' in their records. I send Equifax another letter to verify their method of verification/requested specific details to ensure verification which Equifax failed to do s. These inquiries again came back as verify. i called the bureaus again to seek further assistance with this inquiries DELETIONS/ no one seems to help solve this matter. As a consumer, I feel my rights have been compromised/Violated. I have done all that was requested of me and feel devaluated as a consumer and customer of Equifax.at this time of this inquiries I was in college and was not seeking any credit of any sort. Please REMOVE these inquiries as requested. They were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
MY CAR LOAN WAS A FEW PAYMENTS LATE BECAUSE I DIDN'T HAVE A JOB, THEN I WAS ABLE TO CATCH UP AND PAY FOR EVERYTHING, WHICH MAKES THIS LOAN SEVERAL YEARS AGO BUT THIS COMPANY KEEPS REPORTING ME AS MAKING LATE PAYMENTS, WHEN THE ACCOUNT IS CLOSED AND PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
In XXXX 2016 I rented a car in XXXX, XXXX. After I returned to U.S. The rental car company e-mail me that I had speeding ticket. 

This XXXX, A company named CEDARS BUSINESS SERVICES located in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company find this case thru XXXX US Embassy website, that is a open source for anyone want to contact you. The only proof of speeding is the automatic camera shooting. 

This self- claimed speeding ticket collector is not authorized by XXXX Police Dept . Any scammer can go after you. Maybe he buy the debt thru a outsourcing agency. My question : it is legal to collect debt by this way? Those con artists must be cracked down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
EQUIFAX had a major data breach in XX/XX/XXXX, after which I placed a freeze on my account. 

They issued a PIN number to be used to unfreeze the account, which I dutifully kept for 3 years. 

When I wanted to refinance my mortgage, I needed to unfreeze my account. 

HOWEVER, Equifax is making it impossible to unfreeze my account online ( which I tried ), or over the phone ( which I also tried, after correctly answering 8-10 questions about my credit history through their automated system ), and they no longer accept the PIN number they issued. 

They are asking I FAX or MAIL a copy of my driver 's licenses and social security card. No one has a FAX machine anymore, and MAIL is unreliable. Due to the delays, I will incur costs if the rate on my mortgage changes between now and when EQUIFAX decides to stop holding my personal information HOSTAGE. 

EQUIFAX should be barred from the industry. They are not serving their customers or fulfilling their duty!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Under Federal Law, National Credit Systems had 30 days to validate my debt. They failed, my request was for the support documents to be sent to me via my e-mail or by certified mail. My rights under FDCRA, the collection agency has " 30 days '' to prove the debt was valid per my request. They did not e-mail nor send the documents to validate the debt certified mail within 30 days. 30 days and " 30 days '' only, not 45 not 60 days. Furthermore, National Credit Systems claimed to have mailed me the documents twice? I have the USPS app which shows me what mail is being delivered to me on daily basis and National Credit System never mailed anything to me. National Credit Systems has over 2600 complaints filed with the CFPB for the lack of response and lying about debt verification. National Credit Systems has lost numerous lawsuits for misleading and false debt verification, violating federal law, and illegal debt  collection methods. The fact of the matter, National Credit Systems did not provide validation of debt to me within the 30 days under the FDCRA. They can not prove to me the documents was ever sent to me by e-mail or certified mail as requested. National Credit Systems has a continued and documented pattern of violating federal law. I hereby demand they remove the debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX  XXXX XXXX 4XXXX 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 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Creditor has referred my account to collections and I am receiving multiple daily calls from 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
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/2015 received a MasterCard from Net Spend Access associated with XXXX XXXX   which was received unsolicitated. 
Have tried, unsuccessful, to contact both Net Spend and XXXX XXXX with great difficulty in obtaining phone number and not being able to talk to anyone. Customer service number requires account number and personal social security number without which no contact. Have emailed via their site, that this card was unsolicitated and asked who authorized same. I have destroyed this card and will tell all I know to be wary of unsolicitated credit/debit/ cards.

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was in a dispute with XXXX XXXX XXXX About {$2400.00} and some change that was sitting in a suspense account .That money was in a suspense account was for payments I continue making payments at that time my principal got paid off thats when I learned about the {$2400.00} and some change in the suspense account the next step I was getting a letter tell me my mortgage was being transferred and XXXX  XXXX XXXX was going in bankruptcy Shellpoint Mortgage Took off my mortgage been demanding me to make a {$600.00} payment I have been paying them since the day they took over I paid a {$400.00} my first payment my understanding is my principal is paid off I can not be forced to pay up for mortgage I can pay whatever I want on this loan I only had a deferment of {$5300.00} why do I still owe the same amount my insurance was paid It should have been paid when it was transferred to Shellpoint will not let me speak with a manager ldid get a lady who said  she was a manager last name XXXX she post to been getting all of this fix now I have not heard back from her I lelf several messages at XXXX they will not return calls my disputes they say theyre not going to fix it they are trying to take my property I need someone to review the account customer service told me they received the {$2400.00} At was in the suspense account What did they do with that I do not owe them {$4600.00} XXXX Thank

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 2020-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Payment count is not accurate with respect to PSLF 120 required payments, missing approximately 9 months of payments that were made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 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: Self Financial Inc.
State: AL

Complaint narrative:
Self Lender is reporting a closed account that is paid off, which the balance reported is {$390.00} an the loan {$0.00}. I have not received my initial loan amount back but this loan has been paid in full. the date paid off was XXXX XXXX. I then called an expressed that this account is reporting negative information that is keeping me from obtaining many things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NY

Complaint narrative:
To whom it may concern, I am a single parent trying to raise 3 children.  I recently checked my credit score. I have a few hard inquirys i never authorized XXXX  XX/XX/2020, XXXX/XXXX XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of national grid they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX  and XXXX both on behalf on XXXX  XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from transunion, XXXX, XXXX  and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit score

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union has repeated called me after XXXX XXXX  on weekdays and weekends. In addition, I have records where they would call several times in one day and after XXXX XXXX. Each time I try to call the number back or they leave me a message, it is an automated response with to call their automated system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 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: MO

Complaint narrative:
My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX {$6800.00} 3 ) Dept of ED/ XXXX {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: MO

Complaint narrative:
My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX  {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) 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 2020-10-06 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: GA

Complaint narrative:
I received an alert for 30 day Late payment XX/XX/2019. Payment was made and not 30 days late. This was reported inaccurately by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2020 I purchased an Apple XXXX XXXX online through XXXX XXXX  and paid using a newly issued Apple Card ( Goldman Sachs ). On XX/XX/XXXX, the XXXX XXXX was returned to the XXXX XXXX for a full refund - and I received proof of full refund from XXXX XXXX for the phone, XXXX XXXX monthly subscription, taxes and fees for a total refund of {$540.00} that was supposedly credited back to my Apple Card according to XXXX XXXX. To date, Apple Card ( Goldman Sachs ) continues to illegally charge me monthly installments of $ XXXX/month for the iphone, apple care and taxes despite my repeated formal requests to dispute these charges. Apple Card has failed to honor the dispute or recognized the full refund credited back to my Apple Card on XX/XX/XXXX. XXXX XXXX has also failed to assist with rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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:
WALLET WAS STOLEN AND FRAUDULENT ACCOUNTS WERE OPENED UNDER MY NAME.

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 2020-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC
State: OK

Complaint narrative:
Village Capital opened a mortgage loan application on XX/XX/2020,  offering to refinance our current home mortgage loan at 2.5 %. I spoke to XXXX XXXX the loan officer and asked him to close the application, we were not interested in refinancing with them due to all the additional fees involved. However, they proceed with our mortgage application without our authorization. We did not close or sign any loan paperwork to accept a new mortgage loan, but it showed up on our credit report. We received a congratulations for the new mortgage loan  notice in the mail dated XX/XX/XXXX, then a mortgage statement dated XX/XX/XXXX. XXXX left me a voicemail on XX/XX/XXXX trying to set up a closing date. I called on XX/XX/XXXX, to find out more information, XXXX the receptionist, stated their systems were down and no additional information was available and refused to transfer to a manager. I completed a police report and a better business bureau report on XX/XX/XXXX. Finally, XXXX XXXX a compliance manager at Village Capital sent me a letter stating they will conduct an internal investigation. I received a past due notice for the mortgage dated XX/XX/2020 in the mail and forward that notice to her. XXXX said theyll cancel the loan out in their system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
I filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account XXXX XXXX XXXX. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with Experian immediately and XXXX it was removed from Experian on or around XX/XX/07 I gave the report attached. What XXXX  XXXX  then did was change the account number with XXXX  to XXXX which allowed it to stay reported on my account and resubmitted it to Experian under this new account number and statement saying the account is current! Experian deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from experian with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the XXXX I need it to be resolved immediately so I can reapply with the XXXX so I can get back to business. I attached an updated FTC report with the new XXXX  XXXX account number and as per FCRA LAW XXXX its should be permanently deleted from both XXXX and Experians credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with Experian its XXXX and with XXXX  they are XXXX/XXXX, XXXX, and wise XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company 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