vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 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: OR

Complaint narrative:
Response from Experian is a violation of FCRA. Initial request for reinvestigation was NOT XXXX XXXX! 

XXXX XXXX XXXX was the initial request for reinvestigation that was ignored and again on XX/XX/2022 that was previously investigated and deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 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: OH

Complaint narrative:
This company are XXXX When I canceled the first two checks for {$3700.00} and {$1400.00}, KIA finance applied them as payments and {$300.00} to interest when they should not have. They are at fault and even the lady who called me on XX/XX/22 said it was Kia finance fault because when you cancel a warranty the payments should automatically go towards the principal balance and not count as a regular payment or interest. Kia finance lied in their response, when I initially contacted the Ohio Attorney Generals office was because the XXXX dealership did not send the other checks that I canceled to apply to my principal. My letter was never requesting the ancillary product refund to be applied to only the principal balance of my account. How could I be past due when KIA applied the checks as payments/interest instead of applying them to my principal balance in the first place? Applying canceled warranties to the principal is common practice for all auto loans. They waited two months later to reapply the {$300.00} to my principal making my account past due. Also, the only reason why I paid on XX/XX/22 is due to me refinancing my car because Kia finance is a horrible company. My loan officer told me to pay for this month and I did what i was told. Attach are the documents showing Kia applying the checks as payments and interest when they wasnt supposed to in the first place. Even my current loan officer said when you cancel warranties they are supposed to go towards the principal balance not as a payment or to interest. Sadly, i did not know this at that time until the Kia representative called me on XX/XX/22 to inform me of this. Kia finance already have lawsuits for reporting inaccurate information on consumers accounts and they have lawsuits for applying payments wrong to consumers accounts! You guys had already sued hyundai for inaccurate credit reporting who is the same company as Kia finance. This is a ongoing issue that Kia finance/hyundai is doing! Attached are the documents. I never contacted the ohio general attorney office to request the checks to be applied to my balance, I do not know why Kia is lying and is supposed to be a business. This is not right!!!

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 2022-11-23 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given.

acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. 

There is a public record on the Report XXXX XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: NC

Complaint narrative:
15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given.

acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. 

There is a public record on the Report .of XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies

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 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
There is my complaint In the first payment letter at the closing cost, in XX/XX/XXXX, the monthly payment at our escrow account includes properties tax, insurances, principal and interest and starting on XX/XX/XXXX ( See attached pdf firs payment letter ) are the following : - Principal and interest : {$1.00} XXXX - Property tax : {$490.00} - Hazard insurance reserve : {$47.00} - Mortgage insurance : {$95.00} - Total monthly payment : XXXX On XX/XX/XXXX, we got another letter from XXXX XXXX and suppose they act on behalf of XXXX for the adjusted money to pay : - Principal and interest : {$1.00} XXXX - Escrow taxes and insurance : {$670.00} - Prorated shortage : {$340.00} - Total monthly payment : {$2200.00} As we are new homeowner, some mortgage word such shortage is hard for us to understand. 
So, to understand if shortage amount is for balance due for past or for increased tax or insurance, we called XXXX XXXX for have more information but they refuse give the information regarding the property tax for XXXX and XXXX and ask us see our district tax. 

The district tax let us know our property tax is {$1700.00}. As we currently pay {$490.00} per month as property tax, there is a higher difference between the tax provided by our tax district and that increase our confusion. 
Currently we dont know where come from the shortage as XXXX XXXX is unable give us the info. Tried call XXXX but unable get temps we decide better complaint to oblige XXXX give us written explanation so in the future whe have all info and will not be stressed. 

We want to know : XXXX ) Where come from the prorated shortage of {$4100.00}? 
XXXX ) Can you specify how will if pro-rated shortage is projected tax only or other? 
XXXX ) What is the monthly payment for XXXX  or hazard insurance for XXXX? 
XXXX ) What is the monthly payment for Mortgage insurance for XXXX? 
XXXX ) What is the monthly payment for property tax for XXXX XXXX ) XXXX we have a copy for our property tax for XXXX and XXXX received from tax office? 
XXXX ) There is possible for us to pay directly our property tax to tax office? 

The complaint is only to oblige our lender to provide us the information as this is very unfair pay various tax without know where they are coming from Documents attached PDF XXXX. First payment letter XXXX. XXXX from XXXX XXXX XXXX. Letter from our XXXX tax office Thank you 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 2022-11-23 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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am a XXXX customer with XXXX. I ordered a replacement tv box in XXXX of 2022. In the box with the replacement tv box was a cell phone. I called XXXX and they told me I couldn't return the phone to them because it had been more than 10 days ( was about XXXX weeks later that I called ). I told them the box had just been opened by XXXX and I had no idea a cell phone would be inside. I never ordered a cell phone! In fact, I told the rep who pitched a cell phone that I was locked into XXXX for 2 years, I don't even have XXXX cell service. 

I was then put in touch with the fraud dept but never got an XXXX number as requested. I also never heard back from them. I called back a couple months later and went through another hour+ on the phone and spoke to a fraud agent who said I would get a XXXX number and they would not report to my credit! A couple months and nothing! 

I also tried bringing the phone. still in the box, to the local XXXX store but they wouldn't take it back. Which I found strange because their website listed store dropoff as one of the ways to return items. 

I had multiple chats with the chat line at XXXX  to no avail. I eventually gave up and told the chat person to please lmk how to get the phone back to them. I couldn't go on wasting hours trying to resolve their mistake. 

Next thing I get a collection notice and a {$270.00} collection is reported to my credit. My credit score dropped from XXXX to XXXX! I'm PEEVED! I had just returned from house shopping in XXXX. Now I can't make an offer on any houses I was looking at!! 

Apparently this scam is prevalent at XXXX because multiple people are complaining of it on the XXXX chat forum. I assume an employee is making commissions on these bogus cell phone sales?!? But possible someone at XXXX just mixed my info with someone who actually wanted a cell phone. I pointed out to the fraud dept that the credit card info showing on this new cell phone bill under my XXXX account wasn't my credit card! 

PLEASE help, documentation included.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with FCRA. The accounts listed below violated my rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 consumer reporting agencies can not furnish an account without my written instructions 15 U.S.C, 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to the consumer to any credit reporting agencies if the person knows or has a reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I received a letter in the mail stating that " due to recent activity, a temporary block has been placed on the above referenced Destiny Mastercard. '' This is the first I have heard of this credit card and I did not ever apply for the Destiny Credit card. I logged on to check my credit report and the Destiny credit card is showing on there as well. A Balance of {$960.00} for Destiny Mastercard. I do not own a Destiny credit card and believe this was opened in fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank services my student loan, this is continuation of my complaint filed on XX/XX/XXXX. Discover has remediated by account based on a Consent Order by the CFPB where they are identified as the Respondent. 

Respondent failed to take proper steps to identify the loan account as belonging to an Affected Consumer and remediate it under Consent Orders Consent Orders XXXX CFPB XXXX and XXXX until XX/XX/XXXX. On XX/XX/XXXX with a {$17.00} credit as a result the Respondent is operating in a space where they are out of their depth. Under the Consent Orders, Affected Consumers consumers potentially impacted by a Consent Order Violation means an act, or omission that was not in compliance with the XXXX Consent Order, while still effect or a Migration Issue means any student loan servicing error arising from the Migration impacted student loan borrowers or cosigners. Respondent is out of their depth with regard to : complying with Consent Orders XXXX CFPB XXXX and XXXX was already in violation of XXXX Consent Order. 
The Compliance Plan approved by the CFPB and implemented has failed as evidenced by their attempt to remediate this account almost two years after the XXXX Consent Order. 
I filed a CFPB complaint on XX/XX/XXXX regarding the increasing interest rate, no one offered help, alarming total payments made {$22000.00}, principal {$640000.00} and interest XXXX. I have made at close to more than144 payments since origination with XXXX and payment started late XXXX or XXXX. I recently paid {$2400.00} which I could not afford. 
Over the years, I had no access to how much I have already paid on the loan because Respondents representatives could not give that information when I asked. This was a XXXX because they did not want you to have access to information showing that you have overpaid the loan. Now, it appears on the statement. 

I have XXXX confidence that as a now identified Affected Consumer that they have serviced this account correctly. I am sinking my credit in attempt to get away from 15.125 %. At two years past the last Consent Order and violation, their approved Compliance plan did not work. 




I in no way should be made to be pay for the continued lack of the compliance and sill that they lack as evidenced in their continued failures in the student loan servicing field. 
I have zero confidence that as a now identified Affected Consumer that they have serviced this account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased XXXX XXXX XXXX Chair with Cushions and XXXX Dining Table that was shipped on XX/XX/21. Both items were returned for a subtotal of {$850.00}, and this should of been applied to my Wayfair Credit Card ( documentation attached ). However, I do not believe I was credited on my credit card, and continue to pay to date. I have attempted to research this information online and by phone with the customer service representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.

Complaint narrative:
I have a vehicular loan with Ally financial inc, they are calling me regarding a XXXX XXXXXXXX XXXX and are attempting to collect a debt. Operating as bank holding company and debt collector is illegal and they are violating the fdcpa

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 2022-11-23 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: PA

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Other Accounts Equifax # XXXX XXXX XXXX XXXX XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Other Accounts XXXX # XXXX XXXX XXXX Experian XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief