BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Purchased a new auto in XX/XX/2020, andcontacted KIA Lease End about early termination while we were purchasing a KIA. 

The dealer that we have an ongoing relationship with, agreed to pay off any early termination costs when purchasing the auto. 

Everything was fine up until XX/XX/2020 when someone from KIA leasing contacted my wife at work about an unpaid balance past due, and was being referred to collections. This is the first we had heard of the issue. We requested a copy of the invoice, they said they would send it and email a copy asap. They have not done either as of today. Again contacted her at work at XXXX Monday XXXX. And again we requested the paper invoice be mailed so we can resolve any issues. But they still threatened to send it to collections. 

We contacted the dealer finance manager about it, and he said they would take care of it, we just needed a invoice to show them. 

Without a valid paper copy, we can only assume this is just another scam of sorts, or other type of poor customer relations.

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 2020-09-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding, LLC ( hereafter referred to as " LVNV '' ), filed a lawsuit against me in XX/XX/XXXX ( Case # : XXXX ) for a debt I DO NOT owe. I challenged their lawsuit and, on XX/XX/XXXX ( see Judgment of Dismissal, attached ), I prevailed when LVNV filed a Dismissal because they couldn't prove their case that the collection account was mine.. On XX/XX/XXXX, I filed a Cost of Suit ( Memorandum of Costs ) in the amount of {$240.00} ( see MoC and Proof of Service ) and on XX/XX/XXXX ( see Memorandum of Costs and proof of service ), I served their attorneys of record, XXXX XXXX XXXX , a copy of the Memorandum, but heard nothing back. I waited almost a year, until XX/XX/XXXX, for a response and when I did not receive one, I filed a [ Proposed ] Judgment of Dismissal ( see Judgment of Dismissal, attached ), the Judge signed  it, and I served them a copy ( via their attorneys of record ), and finally received a check for the amount of {$240.00} ( see XXXX XXXX XXXX XXXX and copy of check, attached ). LVNV 's filed Dismissal of the case proved that I was correct in asserting that the debt is and has NEVER BEEN mine, and they must remove reporting of it from all credit bureaus. On XX/XX/XXXX ( see Letter to LVNV with certified mail and return receipt ), I pulled my credit reports from all three major credit reporting agencies and was shocked to find that LVNV continues to report this collection account ( with balance! ) with the CRAs! I disputed this collection account with the credit bureaus that LVNV 's reporting is WRONG and must be removed under the FCRA. The 3 major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) responded that they " investigated '' with LVNV and it was -- shockingly -- verified as being accurate! On XX/XX/XXXX ( see Letter to LVNV ), I sent LVNV a letter to have the collection account removed but they continue to ignore me. Three years have passed, my credit score has remained BAD due to LVNV 's constant erroneous reporting of an account that IS NOT MINE but they and the credit reporting agencies ignore any attempts by me to have it removed.

I'm at the point that I need CFPB 's help. They *will* listen to you.

Today, as LVNV continues to report this collection account illegally,  I'm in the position that I have to find another rental home. Due to LVNV 's illegal reporting, it's almost impossible. I need them to remove this collection account from my credit reports A.S.A.P.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my XXXX   report it shows that I made two payments directly to XXXX XXXX XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. ( But my XXXX  account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX   but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have requested that NJ LENDERS produce anything to show that the paid off my original XXXX purchase mortgage when I " refinanced '' in XXXX I have also requested that NJ LENDERS provide proof of discharge of the mortgage. I have requested this information about 10 times and get a heap of papers that does NOT include what I requested. 
The deed and title insurance location are no where close. The closing attorney XXXX XXXX XXXX refuses to cooperate with anything. The sellers closed with Power of Attorney and the signed certified records show that the sellers sold me XXXX XXXX XXXX XXXX NJ and NOT XXXX XXXX XXXX XXXX, N.J. XXXX XXXX XXXX XXXX  who bought XXXX XXXX XXXX XXXX has no record of the mortgage. NJ XXXX HAS NO RECORD OF PAYING OFF MY ORIGINAL XXXX PURCHASE MORTGAGE WHEN I " REFINANCED '' WITH NJ LENDERS IN XXXX AND THEIR IS NO DISCHARGE RECORD. 
I HAVE REQUESTED A COPY OF THE CANCELLED CHECK PAID TO XXXX XXXX XXXX   AND A COPY OF THE DISCHARGE ABOUT 10 TIMES AND NJ LENDERS CONTINUES TO SEND ME A HEAP OF PAPERS THAT DO NOT INCLUDE ANY PROOF OF PAYMENT OR THE DISCHARGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Very nasty and rude representative I called them to tell them I lost my card customer service told me not to worry and their were charges I didnt recognize they said they shut it down and will send me a new one then a nasty department claims to be Pnc they didnt even know I already spoke to someone about it and said to me they want to go over suspicious activity on my account they claimed to be account takeover then it gets disconnected I call back and they tell me I cant use any of my accounts and their is a review this is ridiculous and rude I feel dosdinisted against what did I do wrong I called them to report it and then they do this to me how can they this is not fair I am very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

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 2018-02-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Associated Credit Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This bill. Was from last summer I am XXXX  and tried to get help with half the bill for XXXX$ from XXXX XXXX XXXX. They will not work with me knowing I am XXXX  the lawyer is a thief I will also contact a lawyer for false info on me. The company does this to all thee lower class people. Associate Credit Services. I will be contacting a lawyer for threats that have been made and not willing to negotiate a deal with a XXXX  XXXX  man

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AXOS FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
AXOS BANK CHECKING, IS HOLDING MY DEPOSITS FOR NO REASONS AND WHEN ASKED ABOUT THIS SEVERAL TIMES THEY KEEP SAYING MY ACCOUNT IS UNDER REVIEW THE ACCT WAS OPENED IN XX/XX/2020, THEY ASKED TO VERIFY MY INFO I DID, AND THEY SEEN I WAS A WHITE MALE AND SUSPENDED MY ACCOUNT FOR NO REASONS GIVEN, THIS CHECKING ACCOUNT HERE WAS BASED ON MY RACE I HAVE HAD THIS ACCOUNT SINCE XXXX AND NO ADVERSE ACTIONS ON THIS ACCOUNT UNTIL I MADE A BIG DEPOSIT THEN THEY VIOLATED ME AND MY CIVIL RIGHTS. I DONT THINK THEY SHOULD BE DOING THIS TO INDIVIDUALS AND GETTING AWAY WITH THIS TYPE OF CONDUCT, AXOS BANK IS HOLDING MY MONEY FOR ALMOST A MONTH WHICH IS TERRIBLE TREATMENT. I HAVE ASKED REPEATEDLY IN WRITING TO SEND ME A CHECK ON THE BALLANCE AND DESTROY ALL MY DOCUMENTS AXOS BANK IS A PREDATOR AND A VIOLATOR OF MY RACE AND CIVIL RIGHTS. THEY REFUSE TO RESPOND. PLEASE ASSIST TO PUT THIS IN CLOSURE. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: GA
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:
Equifax continues to report late payments on closed accounts which have been disputed by me as incorrect reporting between XX/XX/XXXX-XX/XX/XXXX.Equifax has repeatedly failed to do a reasonable investigation and/or provide their method of verification for these alleged "verified" inaccuracies.The following accounts  still include errors and/or possible violations of the FCRA.•XXXX XXXX XXXXa)Account closed XX/XX/XXXX;(29) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date of Last Payment inconsistent with Payment History.c)Balance $XXXX larger than High Balance/High Credit of $XXXXd)Balance being reported on a Sold/Transferred account.e)Date closed incomplete•XXXX XXXXa)Account Closed XX/XX/XXXX; (7) Late payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date closed incomplete•XXXX XXXX XXXX a)Account closed XX/XX/XXXX(31) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage has my account funds in suspense back from XX/XX/2020. I have NEVER missed a payment in 10 years I have had this Mortgage. I have called them repeatedly to resolve this issue. I am closing on a refinance and I am unable to finish through UW without the correct payoff statement. They told me this would be fixed within 48hrs and that was 2 months ago. I have been calling them hourly for the past 2 days because this needs to be fixed by Tuesday XXXX or it will jeopardize my refinance and closing. The customer service reps state they are working on it and thats all. They also confirmed there is no reason for my funds to be in suspense. I need your help.

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 2017-08-08
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I had to be taken to the emergency department at our local hospital. After being seen and released with not resolution, I started a dispute with the hospital stating that I had not received proper care. As of XX/XX/XXXX, the case was still under investigation by the patient services at the hospital. It was n't until after the Collection was added to my credit profile that the dispute was resolved. Collection Recovery did not send me any notification of this and they also reported to the credit bureaus ( XX/XX/XXXX ) prior to the XXXX XXXX XXXX XXXX agreement of waiting 180 days before reporting medical debts and prior to the resolution of the original dispute with the hospital. During the dispute with the hospital, I was told that all debt owed for the visit was part of the dispute and that there were no other bills associated with the visit. I did not find out that the hospital had separated the hospital bill from the physicians ' charges until I received an alert from my credit monitoring that Choice Recovery had put a collection on my profile. Immediately after finding out, I called the original creditor listed, XXXX XXXX XXXX and while on the phone with them I paid the {$24.00}. But Choice Recovery reports that I paid them, which is not the truth. I paid XXXX XXXX XXXX while on the phone with their customer service. If they accepted the payment on behalf of Choice Recovery, I should have been told that was the case. Since then insurance has reimbursed me for the expense of paying this out of my pocket. If insurance paid for this, whether prior to their reporting or after, they still should not list it on my credit profiles according to the XXXX XXXX XXXX XXXX agreement. The processed used by Choice Recovery of reporting to the credit bureaus without providing a notice to the consumer is in violation of the Fair Credit Reporting Act as well. A complaint has also been filed with the Ohio XXXX XXXX office and the local BBB agencies. I have called the original creditor, XXXX XXXX XXXX many times and have been told that they have requested to Choice Recovery to remove the entry because they have verified that I wasNOT notified of the debt. However, Choice Recovery is still reporting this to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called on early Friday afternoon- XXXX XXXX to refi using a fha stream line, and XXXX XXXX was supposed to work with me stating this wouldnt be a problem. The minute I said I would work with him he locked the file so no one else could look or work on it. I know this bc when XXXX ignored numerous calls I went to see if someone else could help. Obviously they couldnt bc he locked it but seemingly isnt working in it. He Promised to get back as supposedly he was working on it Friday night - but said hell get back on Saturday. Never did. Said if not Saturday then for sure Monday - never did. I left him a vm On Saturday saying that I had ppl coming to look at the house Monday because if I couldnt refi I would sell. And if you could please get back before I had to let people with possible Covid 19 in my house. I told the realtor to hold off bc I never heard from him and now shes saying that bc XXXX XXXX is coming that would affect me thanks to XXXX not getting back as promised. If he cant get this done bc it was supposed to be pretty much no docs involved then he needs to unlock it so someone who Is willing to help in a Timely manner without lying and ignoring can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have talked to this company several times about inquires and bankruptcy that were reported incorrectly. I have also told them about addresses that were not mine. I have spoken to the Bankruptcy office and they stated that they did not give XXXX  or Equifax the information they have provided on my account. I have also spoken to the police department and they stated that they would not give me a report for any inquires. I have stated to them if I report something that is not mine, it is their job to find out why they are using my social number. XXXX  states that they want me to get a police report but they will not give one for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CITIBANK, N.A.
State: FL
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:
I have a Citi card account I had on autopay with my XXXX XXXX XXXX I had to close my checking account due to fraud. Citi did not notify me of autopay being disabled. Right after being disabled late payment was reported on XX/XX/2020. I contacted Citi and spoke with a manager regarding the inaccuracy on XX/XX/2020 and paid my entire balance of XXXXInaccurate information was not removed credit bureaus. I set up direct deposit to prevent it from happening again.

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 2018-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
After a non-responsive form letter in CFPB # XXXX, I am making a new complaint with the intention of getting resolution which they have eluded in previous with an attachment of the requested form, completed and offered as evidence to the XXXX  response and the XXXX of the CFPB authority to the financial institutions they're to be oversight.

Company response to consumer: Closed with explanation