BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My husband, XXXX XXXX, leased a XXXX XXXX XXXX for me starting in XX/XX/XXXX with the lease end of XX/XX/XXXX ; we contacted Hyundai Finance and were given permission by them to continue to 'rent ' the vehicle because we were in the process of refinancing the vehicle so that it was in my name. I contacted XX/XX/XXXX XXXX XXXX XXXX XXXX and was able to obtain a loan for the vehicle utilizing them. Additionally, my husband also received a loan through XX/XX/XXXXXXXX to purchase his lease ending vehicle from Hyundai Finance. 

We completed the paperwork at the beginning of XXXX including the Credit Union sending payments fulfilling the buyout of both vehicles from Hyundai. We were told that it would take approximately three weeks to receive the titles from Hyundai Finance that we would need in order to apply for tags and titles for our vehicles. Hyundai Finance has been negligent in their fiduciary responsibility towards myself and my husband. Though they received, accepted, and applied the funds towards closing out both accounts, they have not provided the necessary signed odometer statements that we need to take to the Department of Motor Vehicle in order to obtain our tags and titles.

We have contacted Hyundai Finance multiple times and each time they will ensure us that they will send us the necessary signed documents ; they have not fulfilled their part of the bargain to this date. It has been nearly two months since we submitted the payments necessary to close out our Hyundai Finance accounts but Hyundai Finance seems intent on not providing the signed documents. We simply want the signed documentation necessary to complete the transaction when we go to the DMV. I am a part of this now because XX/XX/XXXXXXXX provided me a loan for the vehicle but I can not obtain tags for my vehicle due to Hyundai Finance 's negligence. Additionally, my husband has the same issue with his vehicle.

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 2018-03-03
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Refer to attached registered letter for details ( this is in regards of mishandling claim in loss draft department do to Fire ) there holding monies XXXX already paid and not paying contractors causing me to pay out of pocket to contractors causing late mortgage payments stating I-am under special monitoring???????? and they have not approved the rebuilding of my house which already been half rebuilt, the fire and the mortgage company that held loan is different, XXXX Mortgage Bought Loan In The Middle Of Construction From 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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Transition has had open dispute for more than 69 days

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 2018-07-12
Company: Receivable Solutions, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The complaint started with the physician 's office and XXXX XXXX XXXX XXXX. The physician sent my blood samples directly to the hospital lab even after i asked they hold the samples till the end of day so I could check which of the two lab options my insurance company offered was the less expensive option as I was still trying to fulfill my deductible for the year. The doctor 's office is affiliate with this hospital and therefore my bloodwork was automatically sent to the hospital - the more expensive lab option. My responsibility was {$310.00}. The competitor lab was the second option the doctors office could have sent the samples to since the practice also had an account with them and they were also in network with my insurance company. The competitor lab charges would have been {$120.00} for the same batch of bloodwork. I tried to negotiate with the hospital to " match '' the competitor fees and they refused. They were willing to go down only {$100.00} so my balance would have still been {$210.00}. This was a " spot quote '' by the hospital and i was expected to give them a card number on the spot if I wanted the discount. Since I was driving when they called, I could not oblige. They sent me to collections - RSI. RSI first contact with me was by phone was XX/XX/2018. I called back in XXXX and asked for a Debt Validation Letter since I never received one in the first place. The woman I was speaking with on the phone did not know what a Debt Validation Letter was but said I would receive one in the next 7-10 days. What I received almost one month later was an envelope with insufficient postage ( the post office actually stamped the missing postage and circled it - see attached ), my actual medical tests with my medical results AND another patients medical tests and reports ( a pathology report ) attached to mine. This individual is in no way someone I know or am related to. Both reports had medical diagnosis, and other sensitive information such as DOB, SS #, addresses, insurance company names, and so forth. I wanted a Debt Validation Letter. Instead I received my medical tests and an unrelated parties medical tests - from a collection agency mailed to me in an envelope with insufficient postage. I wonder how the elderly man who's pathology report I received would feel if he know I was privy to his most sensitive personal information and condition due to RSI 's  incompetence. 

I mailed a Dispute Letter ( see attached ) and received back yet another " we did everything we were supposed to do and pay up '' demand. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My business accounts ( 2 ) were closed more than 4 months ago and bank of america does not finish verifying the funds in the account to give me my money, this has caused me to close my business because I have not been able to solve it, I call bank of America all the time and they only say that there is no update and that they have no one to contact, it is a bad practice of the bank to close my account during the coronavirus pandemic, my employees lost their jobs because I had no way to pay salaries and I had to close my business. 
they do not respond and when I ask to speak to a supervisor or the investigator who is managing my account and has the funds blocked, they do not respond.

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 2020-05-13
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Equifax regarding an unauthorized hard pull by XXXX XXXX XXXX. XXXX sent me a email stating the their report was in error, and that a revision was submitted to Equifax to remove the item from my report. I called Equifax 800 number to proof repair was completed. I spoke to XXXX, she suggested I wait until it drops off my report, I asked to escalate the call, next I spoke to XXXX, who also suggested I wait until the item dropped off my report, also suggested I call XXXX yet again to resolve the problem. I asked to be escataled again, this time I talked to XXXX. XXXX started off listening, but soon was asking me to again call XXXX and get them to submit the repair. As I was talking, XXXX hung up the phone Total time of call aprox, 1 hour 14 minutes. IF this call is reflective of Equifax normal comsumer interactions, they should be sanctioned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX  balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX  balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt

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 2018-03-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX purchased a XXXX XXXX Debt but failed to give me a proper notice in regards to the way this account would adversely affect my credit report nor did they give me the opportunity to resolve it before they credit reported. 

I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have two homes and two different mortgages serviced by the same Loan Servicing company, LOANCARE. 

Our Check made out to XXXX XXXX XXXX with the loan number written in the memo field was deposited into the wrong account. 

This caused a late payment, We weren't notified, Both my wife and my credit has dropped 78 points. 

I spoke to the LOANCARE who admitted the mistake, they told me to write an email and send it to paymentresearch@myloancare.com which I did, Friday, XX/XX/XXXX. As of today, XX/XX/XXXX, I have had no response from LOANCARE.

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 2020-11-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a forbearance plan under the Covid-19 Cares Act rules. I called the loan servicer Mr. Cooper and spoke to 7 people over the course of and hour and 20 mins and no one could help me. The customer service people that answered the phone were, XXXX, XXXX, XXXX, XXXX, XXXX ( the nicest person I spoke to ), XX/XX/XXXX, XXXX,. I spoke to XXXX he said he will be able to take care of the forbearance and then he said he needs to transfer me, he did to XXXX, and XXXX said he could not help me and he needed to transfer me again to XX/XX/XXXX/XX/XX/XXXX, and then she put me on hold and put me back in the cue again and the next guy that picked up asked me exactly the same questions XXXX asked and then was quite rude in asking questions to qualify me for the forbearance and said that the investor does not have to follow the rules that were set up under the Covid-19 rules for forbearance. The longest time frame he had available was 3 months, I asked for 6 mths and he said I was telling him how to do his job and then I asked for his Supervisor and he at first would not give me his name and then I insisted and he gave me the name of XXXX XXXX as his supervisor, I asked to be transferred to him and XXXX transferred me to a different department and not to his supervisor. I have been on the line for 1 hour and 53mins so far and still have not had the forbearance plan put in place for me. This servicer is a prefect example of servicers that have no respect for their clients and till I applied for the forbearance, I had not missed any payments and never been late 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THE COMPANY’S RESPONSE ADDRESSED ALL OF MY ISSUESNoADDITIONAL COMMENTSCFPB- in XX/XX/XXXXof last year, I came in from the jet ski trip, and being in a foreign country where safety can be a concern in incidents like this, spoke with the hotel (the hotel which confirmed in email (the 3rd party letter) to ensure someone was aware, other than the 2 parties involved. Then, I proceeded to my room and spent ~90 minutes on a call with a B of A representative who informed me that I do not need to be worried and that this was the only information she needed today. So, I was under the impression that I had covered all my bases in order to receive the credit back. Later on, when I was back in the US, I had to call for an update on the submitted claim which I believe took place in early XX/XX/XXXX. At this point, B of A tells me that I need to submit a letter from a 3rd party source that CONFIRMED THE DETAILS OF THE INCIDENT. Nothing was even mentioned about a technician being required that would confirm the jetski was, indeed experiencing technical issues that caused the sinking/smoking of the engine. These types of issues are rampant on the XXXX XXXX XXXX XXXX (or even XXXX  in general), so I am baffled that this is even being questioned. I have 3rd party confirmation of the incident taking place, and I am tired of discussing an issue that was reported the day it took place, no instructions were given to me on how to handle, and not until I was home did anything get mentioned about the 3rd party confirmation. Realistically, however, even if I had known I needed a technician to come view the jetski, do you really think the jetski rental spot would let this happen?! Certainly not. I expect my bank to fight on my behalf in incidents where me (the consumer) are being taken advantage of by companies in foreign countries. I covered the bases I was aware of while in Thailand and while back in the US. Now, I want B of A to do their job.I UNDERSTAND THE COMPANY’S RESPONSE TO MY COMPLAINTNoADDITIONAL COMMENTSI understand what they are saying, but it STILL does not align with the communication between B of A and myself on the day of the incident.THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINTNoADDITIONAL COMMENTSSee above

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 2020-11-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I rented a car in XXXX. At the time of returning the car, the rental company charged my credit card {$2200.00} in damages that I did not agree with. The condition report that was sent to the credit card company was not signed by me. Furthermore, I did not cause any damages to the car. I have attached pictures of the car, as well as the condition report signed by a different individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, a collection agency named Credence started reporting a {$9000.00} collection account on my credit report. I have no outstanding balance owed to anyone that equals that amount, so I wrote to Credence Resource Management on XX/XX/XXXX, and asked them to remove the error from my report. I also asked, if they beleived the debt was legitimate, to send me a detailed itemization from the original creditor, to verify the debt. Well over 30 days have passed, and this collection agency has done neither.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Also, Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Equipment return amount owed to XXXX. Debt collection Enhanced Recovery Company XXXX XXXX XXXX XXXX FL XXXX Attempt an amount of {$280.00} under XXXX debt through XXXX  reports, XXXX XXXX XXXX Returned Equipment And Correct Balance is XXXX owed. Debt is inaccurate documentation provided

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I previously went online and linked my savings account to my checking account to have overdraft protection. On XX/XX/2020 a check was returned and I was charged an overdraft fee. Now the company that the check was returned to will not allow me to write checks unless I have a letter showing that it was the Bank 's error. I called the Bank and was advised that the linking of the accounts were done in the reverse ( that funds in the checking would cover overdrafts on the savings ) ( I don't understand why anyone would want to do that ) .. The Bank said they would fix the error and send me out a letter explaining the error. Today, XX/XX/XXXX, I attempted to use my card to make a purchase and it was declined. This means that they have not fulfilled my request made XX/XX/2020 to link my savings account to cover overdrafts on my checking. I had to manually transfer funds from my savings to my checking to cover my purchase.

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 2018-07-12
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XX/XX/XXXX I cancelled my XXXX XXXX subscription because their products never worked, they refused to allow me out of the contract without making me pay the earlier termination fee. I paid my final bill and the early termination fee. i returned all the devices they had sent to me. They mistakenly kept my account active even after i paid my " final bill '' ( their words to me as i made the payment ) and told me that the account remained active after all because we used the " hopper '' receiver to re-order service. So they wound up sending another bill for another months service, i called them and raised XXXX and told them I've already paid and asked why did I pay a cancellation fee if they hadn't canceled it? they agreed that they shouldn't have kept he account active and confirmed they would reverse the charges. I never heard back from them or received another bill after this was all finally resolved this XXXX ... Now all of a sudden in XX/XX/XXXX i see they have sent me to a collection agency and are damaging my credit rating.

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