vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I filed a complaint against hyundai motor finance in XXXX about a refund that was suppose to be issued to me. This company states that they mailed the refund on XX/XX/XXXX. I have not received that payment and it is almost a month since then. I have requested a stop and reissue on XX/XX/XXXX now I'm being told the request was not put in until the XXXX of XXXX which I spoke to another representative to follow up on the stop and reissue from XX/XX/XXXX. I am being told to wait for processing times week after week after week. This company is holding my money and they refuse to pay me. They never sent a check to begin with because it does not take 30 days to receive mail!!! I am given no choice but to take this matter further to the courts as this company is giving false information and giving run around. I called today and asked to speak to a supervisor and surprisingly there are no supervisors. What a coincidence. This company is crooks and they are stealing people money and refusing to pay what they owe to customers.

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 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed this once and received a response from XXXX XXXX  stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with Transunion and XXXX, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX  responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. Transunion and XXXX  have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on 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 2021-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX XXXX XXXX XXXX XXXX  This is not mine.

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

8. Identity Theft XXXX  Account Number : XXXX  This is not mine.

9. Identity Theft XXXX  Account Number : XXXX* This is not mine.

10. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

12. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

13. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

15. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

16. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

17. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  This is not mine.

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

19. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

20. Identity Theft XXXX  XXXX XXXX XXXX XXXX  This is not mine.

21. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is not mine.

22. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.

24. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

25. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

26. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

27. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

26. Identity Theft XXXX Account Number : XXXX This is not mine. 

27. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

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 2021-06-16 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, The following information is what I faxed to Citi-Card Bank over my Billing Error Dispute with XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, in the amount of {$4300.00}. This dispute was originally opened on XXXX, and is still under review to this day ( over a year later ). I have attached several statements that will verify that this dispute has been re-opened and under review since XX/XX/2020. 

I received charges for goods that weren't delivered as agreed, by XXXX XXXX XXXX XXXX XXXX XXXX. Citi-Card 's lengthy and inadequate/poor/misguided investigation has resulted in a clear violation of The Fair Credit Billing Act. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Citi-Card Billing Disputes, I paid for an expensive XXXX XXXX XXXX ( Seasonal Energy Efficiency Ratio ) Heat Pump and Electric Indoor Furnance, as stated on the invoice shown below. 

XXXX XXXX ( Sole Proprietor of XXXX XXXX, XXXX XXXX  XXXX ) installed a cheaper, much less efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace on XXXX. I clearly did not order this model of XXXX Heat Pump and Electric Indoor Furnace.

The attached documents fully supports my position. 

I still have not received the more expensive super-efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace, that I paid-in-full for on XXXX. Our texted correspondence ended on XX/XX/2020. 

XXXX purposely installed the cheaper, less efficient Heat Pump and Electric Indoor Furnace, assuming that I would never notice the difference. If I hadn't filed for the AEP rebate and been denied it, I probably would have never realized that he took advantage of me. 

This XXXX XXXX Heat Pump and Electric Indoor Furnace that XXXX installed versus the XXXX XXXX Heat Pump and Electric Indoor Furnace ( that I bought ) will prevent me from saving an additional $ XXXX $ XXXX on my electric bill over the expected 15-25 year lifespan of these two ( 2 ) units. 

Please notice the invoice I paid and the description of the Heat Pump listed is XXXX XXXX. XXXX changed the invoice through the Joist Application, back to a XXXX XXXX Heat Pump, around XX/XX/2020, once he found out I knew that he had scammed me. 

Thank you for your assistance in this very important matter. Please don't hesitate to call or email me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Cell # 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 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
KHOLS is in fact in violation of at least 70 federally protected consumer rights under 15 usc 1692 and also unauthorized use of registered trademark

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: PA

Complaint narrative:
I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I notified the credit reporting agencies that these accounts were inaccurate and fraudulent on XX/XX/2021. According to FCRA LAWS, they were supposed to remove these accounts within 4 days of receipt of my official statement, it is now XX/XX/2021 and the accounts are still reporting illegally. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX my identity was stolen and used by someone to open credit accounts at XXXX XXXX XXXX, XXXX XXXX and Bank of America. In the summer 2020, these accounts were closed by XXXX XXXX and XXXX, determined to be fraud and credit inquiries deleted from the three credit agencies. Bank of America continues to seek payment from me, sends monthly statements to my old address ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) that are forwarded to my current address ( XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ) and placed non-payment with the three credit agencies. I did freeze my credit. Ive banked only with XXXX for the past 47 years. My credit rating has decreased from over XXXX points to XXXX today due to BoA placement of non-payment on this account open fraudulently. Ive tried to be helpful with BoAs investigation into the fraudulent opening and cash advances on the reference account number # XXXX XXXX XXXX XXXX ). Ive opened case # XXXX with Investigator XXXX XXXX, phone XXXX and email : XXXX who is with Criminal Investigations Identify Theft Resources for XXXX XXXX, Georgia ( I did email this report to BoA as directed by their Fraud Department ). Ive been called well over 20 times from BoA collection center and never from BoA Fraud Department. I called the BoA Fraud Department to offer my cell number and new address ( BOA statements are now received at my new address ). From BoA files here is what Ive put together : Thiefs telephone # used to open account XXXX ( the number is now disconnected ) ; original $ XXXX was withdrawn at various increments from an ATM here in XXXX ( there must be photos at the ATM ). One BoA caller mentioned an email that was used to open this account as well. I've tried to assist BoA in finding this person who fradulently open an account in my name to include sending the letters I received from XXXX and XXXX XXXX each subject is We confirm that you didnt open this account. I've received several letters from BoA declining to approve my fraud claim. 
I am suffering XXXX XXXX because of BoA intentional, reckless or negligent actions, and have experience XXXX XXXX that has negatively impact my credit, life and health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
Waypoint is reporting a debt on my credit file. I called and tried to settle this account multiple times but every time i call in they can not find my account. I have tried to contact them a handful of times and each time they can not find me in their system. This collection is affecting my credit score and it is very import that i get this paid but if they can not find me in their system then i need this account removed from my credit file. I have also disputed this account with no response from the credit bureaus or the creditor. I need this collection removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I disputed this once and received a response from IC System stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX XXXX XXXX, I have gotten no where with them to remove the tradeline entirely. See attached documentation - IC system responded to my complaint to remove it and I have the letter from IC system stating this is to be removed completely. XXXX XXXX XXXX have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on 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 2021-06-16 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
WHERE IS MY CHECK???? YOU ALL STOLE MY MONEY AND I WANT IT BACK IMMEDIATELY!!!! THIS IS 100 % ILLEGAL!!!!! COMPLETELY INCOMPETENT!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: UT

Complaint narrative:
XXXX XXXX XXXX  is reporting an erroneous late on my credit file. I Paid the balance in full but wasn't aware of the annual fee in monthly payments. I do not receive statements or notices and never received a notice about this late payment. On top of that, they also had the incorrect email listed on file so I was not getting anything from them. I have had this account for a long time and have never been late. I am very disappointed about the communication I get from this company especially being that this is something that affected my credit severely. Under the federal mandate you are not allowed to add this late notation to my credit file anyway. I am asking as a long time customer that you remove this XX/XX/20. I was not aware that the annual fee was to be paid monthly.

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 2021-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
During the application process for a Home Equitly LIne of Credit ( HELOC ), the lending specialist held the application process hostage, delaying the closing. Loan value is {$25000.00}. The lending specialist, XXXX XXXX XXXX, NMLS # XXXX at US Bank whom is not a legal or tax specialist, i.e. paralegal, licensed attorney, or certified public accountant, proceeded to coerce our Certification of Revocable Trust against my advisement. After I cited specific inaccuracies such as IRS tax reporting identification number and supplied tax certification, the lending specialist continued to " advise '' inaccurate and factually incorrect amendments to the certification. Ultimately, I did not comply with the lending specialist 's requests as this document would not be subject to enforceability with negligent terms. Resulting in continued delay and risk to immediate needs of funds.

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 2021-06-16 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:
On XX/XX/XXXX, I sent Equifax a letter disputing 9 late payments on my credit file reported by The Department of Education/XXXX. The Department of Education/XXXX is reporting 9 late payments which I believe are incorrect. The dates are 90 Days Late in XX/XX/XXXX, 90 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX. When I submitted my dispute letter to Equifax I stated that my loans were actually in Forbearance Status, I even submitted documentary proof showing all accounts during those time periods. In XX/XX/XXXX, The Department of Education/XX/XX/XXXX sent me a payment history letter showing all of my accounts and documented that all Loans were in Forbearance during that period. I believe that Equifax is not properly investigating my disputes, or taking it into consideration that it is proof shown in black in white on the payment history letter by The Department of Education/XXXX that the status of my loans says " Forbearance ''. Equifax has not only disregarded my documented proof but they have also violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. 

Sent certified letters to XXXX XXXX VS Credit Card, Experian Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing XXXX XXXX  was NEVER listed. 

XXXX XXXX  credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. 

XXXX XXXX  along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. 

I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included XXXX XXXX XXXX XXXX Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. 

I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.

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