vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX located in XXXX NY to find out how I would handle the lease end during Covid19, my lease was expiring on XX/XX/2020. 
I was advised by the Sales Manager XXXX that I could turn my lease in early with no penalties and that I could smoothly transition into a new lease without owning the last 2 months of payments. The car was delivered and we exchanged cars on XX/XX/2020. 
I received numerous letters from Kia Finance ( will attach in other section ), every time i received a letter stating that i had a balance due because of early lease termination I was advised by XXXX the sales manager that I should ignore them because the dealership cut a check and the account was closed and the vehicle was being picked up by Kia XXXX. One the last letters that I received stated that I owed XXXX XXXX called kia Fianance to dispute this and he was told that this money was owed because the lease was turned in early. XXXX told them Kia Fiance offered an early termination deal with no penalties and that I idid not owe the money. I was later advised by Mr XXXX ( owner of dealership ) that Kia Finance was incorrect with their statement and this money was owed due to a mileage overage, which XXXX also told me I would not be responsible for being over the mileage because i was " family '' and a repeat customer. 
XXXX said not to worry, he would straighten this out, and then i later found out he was no longer employed, the owner Mr XXXX would not help fix things, instead he gave me a credit of XXXX to purchase items from the dealership. I ended up paying the XXXX to Kia Finance in XXXX, I was told I would receive a paid in full receipt that i could submit to the credit agencies within 10 business days, originally i was told that they would email me the receipt, in calling back other times, I was told they could not honor that because of security reasons and working from home to due COVID, I was incorrectly advised and I was assured the receipt was being put in the mail, to date i still do not have it, I have called many times with no satisfaction. I was then contacted by my credit card company XXXX they were notified by XXXX XXXX and XXXX  of this delinquent payment which resulted in my accounts being frozen and ruining my credit. I feel the actions of Kia Finance are fraudulent along with the 3 credit agencies I mentioned above, one of the attachments clearly shows the account being paid off and closed out, and I never made a late payment. I need to have the 2 late payments expunged from my credit reports. I will never do business with the XXXX dealership again, I got a major run around, I am in the process of trying to relocate and obtain a mortgage and I was advised that I can not until this issue is resolved.

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 2020-11-26 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: Ascendium Education Group
State: AZ

Complaint narrative:
us dept of education and ASCENDIUM EDUCATION is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: FL

Complaint narrative:
From XX/XX/2020 to XX/XX/2020 I have been receiving solicitation letters from a company called Clearpath. This company targets veterans to take out refinance loans at a lower rate. I contacted the company by phone and email and informed them that I was/am not interested in their product and did no/do not want to do business with them. I called and was told by a person at their call center that my name and information would removed from their database and that my personal information would not be sold or rented to any of their subsidiaries or any private companies or organizations. I made that call after receiving countless solicitation letters and calls from Clearpath prior to XXXX XXXX/2020. On or about the XXXX of XXXX 2020. After I emailed a complaint to Clearpath 's corporate complaint email address I received an response stating that the solicitation letters would stop. Well, I just received two more solicitation letters, one on XX/XX/2020 and one on XXXX/XXXX/2020, and in total from XX/XX/2020 until XX/XX/2020 I have received 11 solicitation letters. I WANT THESE BULLY TACTICS TO STOP!!!!! Can you help me. 

Thank you 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 2020-11-26 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: MA

Complaint narrative:
Hi and happy XXXX. For the last 4-6 months I've disputed this account here with Experian ( XXXX XXXX # XXXX ), over fax, uploaded dispute online, mailed dispute, and even talked to a department over the phone to file a dispute. Every time I check the status of the dispute and it never shows on the " Comments section '' if the account was marked " previously disputed or even if it's been " resolved or even reported by the subscriber? ". The account status was never updated to reflect that the investigation was done. Please check my record and you will see that I contacted them each time and disputed specific reasons and it continues to report incomplete, inaccurate, and unverifiable information. AGAIN, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-11-26 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: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi BB & T & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-11-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-11-26 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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-11-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please note that on XX/XX/2020, BOAincorrectly debited my EDD debit card for {$16000.00}. 
I filed a complaint against BOA with CFPB. 
Then, in XXXX of 2020, BOA credited my EDD debit card for {$11000.00}. 
BOA still owes me {$5000.00}.

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 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am a victim of the XXXX  Data Breach. I began a process of correcting issues on my credit report in XXXX of 2020. On XX/XX/2020 I filed a complaint with the CFPB to help get things corrected on my credit report. Today I am following up in hopes that we can get the remaining inaccurate items removed.

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 2020-11-26 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: LA

Complaint narrative:
On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the Equifax Data breach. Delete ASAP those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: CBC Companies, Inc.
State: NM

Complaint narrative:
What happened is that I had disputed multiple times with Innovis about the missing payment history and the incomplete account number on account with XXXX XXXX, They had reply with totally ignoring my dispute and making illegal updates on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-26 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: AZ

Complaint narrative:
us dept of education and XXXX XXXX is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.

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 2020-11-26 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, WFB BD CRE add a hard inquiry on my credit report per 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 2020-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I consolidated my all student loans in XX/XX/XXXX with the Department of Education. 
I had a loan with a private lender NELNET from my XXXX degree in XXXX. My original loan with them was $ XXXX and now it is close to $ XXXX. This lender was able to add 2 more subsidized loans when they found out I was consolidating all my loans. Now I have two separate loans one consolidated and 2 added ones for {$2100.00} each ( {$4300.00} total ). I do not want to keep in business them, they are trying to keep me as client and if I try to pay this off they will keep adding charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX  {$770.00} Needs attention XXXX XXXX XXXX XXXX {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention

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 2020-11-26 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: PA

Complaint narrative:
I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX  {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention

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 2020-11-26 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: General Motors Financial Company, Inc.
State: ID

Complaint narrative:
My past due payment was made by XX/XX/XXXX. My total balance due at the time was XXXX and it was due XX/XX/XXXX.That included XXXX past due and XXXX currently due. I paid XXXX on XX/XX/XXXX to cover my past due. I am not 30 days late on my credit report when I should not be. They are also charging me {$150.00} in late fees now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: LA

Complaint narrative:
On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the XXXX  Data breach. Delete ASAP those accounts or I will file litigation.

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 2020-11-26 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: LA

Complaint narrative:
On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the XXXX  Data breach. Delete ASAP those accounts or I will file litigation.

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 2020-11-26 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: AZ

Complaint narrative:
US DEPT OF EDUCATION is still showing accounts as delinquent, late payments/collections, etc. even though all student loans were deferred due to covid-19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: AZ

Complaint narrative:
US DEPT OF EDUCATION is still showing accounts as delinquent, late payments/collections, etc. even though all student loans were deferred due to covid-19

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