vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Purchased a new XXXX XXXX from XXXX XXXX in XXXX XXXX, IL on XX/XX/XXXX which I financed through Hyundai Motor Finance. In XX/XX/XXXX, I paid off this loan. To date, I have not received my title, release of lien or any other payoff documents. 

I have made multiple calls to the customer service reps without who always say they will send an email to their title department, but never get any response. I have also spoken with three different supervisors who told me they have the power to get this resolved, but they are ineffectual. 

It has been nearly 8 MONTHS since my vehicle was payed off without receiving my title and other documentation. I want to sell the vehicle, but I cant due to HMFs inability to deliver my documentation. 

I am hoping you can provide assistance in resolving this 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 2021-06-07 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
these acconuts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

2. Identity Theft AMERICAN HONDA FINANCE Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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:
I have repeatedly contacted experian regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how experian conducted their investigation and never received the proof. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe

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 2021-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Invest will not allow me to withdraw my money from my Ally Invest account to my Ally Savings account for no reason.

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 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has stolen/lost {$XXXX} of mine I opened a wells Fargo acct to switch my prepaid bank account with XXXX to a real bank well I made my initial deposit for {$500.00} and after receiving notification that my account was open I proceeded to create my username an password after successfully logging on to online banking I made a direct debit online for my prepaid card XXXX XXXX TO transfer {$1000.00} towels Fargo well after a few days went by I logged on to check the status and found out I was unable to log into my newly opened account so after calling I was informed by wells Fargo that my account was in closing and that the {$500.00} opening deposit was received but the {$1000.00} direct debit was cancelled.So with the missing money not appering directly back to XXXX XXXX I filed a complaint with wells Fargo # XXXX.And so for about a month now I have been bounced back and forth from XXXX to wells Fargo.Wells Fargo responded to my complaint two weeks saying the transaction was found and initiated correctly.when I called they informed me it's not the I should call but XXXX. Because they had sent the direct debit back because the account was closing and they have no way to give me any proof of this I have attempted several times to resolve this matter I even attempted a three way call with the manager at XXXX with wells Fargo to locate my funds and was unsuccessful after being transferred to three different departments we were disconnected .I 'm fed up tired of this XXXX and after I submit this on to CF I will have no choice but to write a letter to our governor maybe someone their can help.what else am I to do I have submitted complaints with both company 's XXXX says nothing has came back wells Fargo located the XXXX  transaction and investigated it and says their is no fault on their end that everything was initiated correctly but they have no trace number for the cancelled transaction XXXXhowecer does have the transaction numbers of the money being sent actually the XXXX initial deposit and the XXXX debit were actually sent to wells Fargo the same day only 1 minute apart so I am lost here not knowing what to do with investigations and complaints and disputes with both parties that claim they don't know where my money is and I should dispute it with the other company I'm left to publish yet another complaint this time with wells Fargo for improperly handling my money and unable to give me any trace number of the return direct debit uploaded is my proof of wells Fargo improperly handling my money please see your my funds are returned back to my prepaid card after now waiting one month for my lost money to turn up

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MANN FINANCIAL INC.
State: MT

Complaint narrative:
Beginning on XX/XX/2021, my wife and I engaged XXXX XXXX from Mann Mortgage , LLC in order to secure a conventional mortgage for a house. 

During this process we submitted three offers to three different sellers for three separate properties along with separate preapproval letters from Mann Mortgage. Although we submitted all required materials to apply for loans for each of these properties, it was only after our third offer that a good faith estimate ( GFE ) was provided to us, which I believe is in violation of 12 CFR Part 1024.7. 

The submission dates for each offer are as follows : - XX/XX/2021 Offer rejected - XX/XX/2021 Second backup position accepted - XX/XX/2021 Offer accepted Once we finally received our GFE after our third offer was accepted, we decided to engage other lenders to seek out a better rate, which we ended up finding. Upon reengaging Ms. XXXX in order to negotiate, she threatened to contact the sellers ' agent, which we had not authorized and with whom she had a personal relationship, and implied to us that she would be doing so in order to jeopardize the sale if we decided against moving forward with her. 

She also contacted our Real Estate agent. Our agent relayed to us later that XXXX had attempted to " get her [ our agent ] on her [ Ms. XXXX 's ] side '' in order to jeopardize the purchase of our home and which point our agent told her that " she would not blow up this deal ''. 

I have subsequently learned through the Real Estate company that we contracted that they've fielded several other complaints about Ms. XXXX since our experience and I firmly believe that had we not contacted an attorney and threatened legal action for interference with a contract that she would have continued in her efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Little Falls, Inc.
State: MN

Complaint narrative:
I asked them to send me proof that I owe them and the only thing they sent me It was a paper that said " Balance Due '', that does not prove anything, the authorization of the HIPPA is expired because it is from 2013, I do not understand why they are charging me interest on a medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a veteran who has been victimized due to my service ( the federal OPM data breaches resulted in my personal information being released, sufficient to charge my cards and open additional credit in my name ). 

Following the web flow for attempting to place a credit freeze on TransUnion 's website will attempt to " validate '' a known credit card to " prove your identity '' and then place a recurring {$24.00} a month charge onto the charge. 

Attempting to call and fix this with their agents resulted in the agent literally laughing at me and then hanging up. 

I still have not found a way to place a credit freeze onto my account without a charge. I expect that I will be billed going forward.

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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2021 Account XXXX Capital One Resurgent Capital Services, XXXX XXXX, and XXXX ( unsure where debt is ) vs. XXXX XXXX Several times over the past year, Capital One has REFUSED to take responsibility regarding the above account. They have stated AGAIN and AGAIN that they are unable to provide additional information or take action on your account. First of all, again, for the 100th time, I never opened up this account, I never used this account, and I tried to make a deal for removal, but Capital One refuses to comply even to a deal. I have, nor will I ever say that this debt is mine, and I will continue to make complaints until the account is no longer viable and easily removed. 
All of Capital Ones responses per their letters are unacceptable, and I request again that they make right an account that THEY opened up without even calling me or making sure it was me. Capital One will continue losing money every time I make a complaint, and they are criminals for neglecting their duties, first in opening the account in the first place and then refusing to fix their mistake. Capital One has NOT provided a complete previous response fully addressing my concerns. Capital One needs to MAKE RIGHT WHAT THEY HAVE DONE. They scammed me then sold the debt so they can release themselves from what theyve done. I want justice, and I dont want to be shuffled around to other collection agencies because Capital One doesnt want to deal with me. If I have to send 1000 letters, then I will, and each time you will lose just that little bit more with your scams. 
Capital One has unjustly hurt my credit, opened up a fraudulent account under my name, and denied me proper paperwork for countless months. They have also tried to send the debt to at least three debt collectors, and I will not tolerate it. I want results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
While trying to extend my forbearance on my loan with Fifth Third Bank, which I have had a 12 month, and a 3 month extension for a total of 15 months, I was told that there were no extensions beyond the 15 months. I have researched the CARES Act, and the allowance of 2 extensions, or a total of 18 months. Are they not aware of the laws put in place to support those affected by the COVID-19 pandemic?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & Equifax to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( Equifax ) which makes me believe the debt has been re-aged. I would also like it to be noted that Equifax is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported debt to credit bureau on XX/XX/XXXX for account XXXX, I called this Company sent out Debt validation dispute letters on XX/XX/XXXX and XX/XX/XXXX still haven't been able to resolve this fraudulent matter. I also filled out a Affidavit of Fraud that was mailed by the Company along with my ID, social security card, lease, XXXX  bill, voters registration and other information for proof and still no resolution. Please help any assistance would be greatly appreciated because this Company would not give me anything. I was told 3 times I would be contacted by a Supervisor and sent something by mail but it has been over 30 days still nothing.

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 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
A check I wrote on my account with XXXX XXXX, was fradulently cashed by someone in XXXX Iowa at a Wells Fargo bank. The check was for {$1800.00}. I am retired and on a fixed Income. I was assured by XXXX XXXX, that I would have my money returned within 10 days. The company the funds were supposed to go to has refused to co-operate with XXXX XXXX requests for a signed and notarized affidavit, and I have sent the request via fax, email, USPS, and certified mail, and they will not answer the phone. They place you on hold for one or two hours, then hang up. The FDIC, Comptroller of the currency, and Federal reserve will not help. Wells Fargo will not answer phone calls. My local police took a report- then closed the case stating it was not in their jurisdiction. It seems that every company involved in this is passing the buck to someone else- Me!

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, we had a major flood at our home. It required us to be moved into temporary housing until we could have renovations done. Our insurance company completed their estimate and issued a check to us and the mortgage company. We signed the check and sent the check to our mortgage company for endorsement. They sat on the check for 10days before moving forward. they then issued {$6600.00} from a {$26000.00} check. This amount was to get the contractor to 25 % completion which was a joke, because the funds were based upon a {$44000.00} completed job and 25 % complete was not {$6600.00}. They have since wasted 4 weeks and have not released any more funds so we can get back into our home, I have paid for overnight services for the check to be sent. Our contractor has called, our insurance company has called and let them know its holding up progression. They have yet to release anymore funds as requested. They are now playing with the funds saying it takes 7-10 days to get a check printed. Meanwhile we are being charged more from contractor because the price of materials have went sky high. The company that is holding the money is XXXX XXXX, located in Michigan. There are several similar complaints about this company at the XXXX  for doing the exact same practices and causing major issues to homeowners.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Good Afternoon, I had an account go in a XX/XX/XXXX past due status from Fortiva credit due to the COVID-19 Pandemic in XXXX of XXXX. In XXXX of XXXX I was back on my feet and trying to get all of my financial affairs in order. I reached out to Fortiva on XX/XX/XXXX to pay my full balance and in return they would remove all of the late payments during this timeframe. They agreed and I paid the total balance in full of {$1000.00} and some change. I have been diligently working on my credit for the last 4 years and I knew with this I would help be able to purchase my dream home for my in the future. Fast foward to XX/XX/XXXX, I applied for a mortgage and my lender advised me because of the late payments that Fortiva promised to remove, I will not be able to purchase my dream home. I immediately called Fortiva and asked why this wasnt removed as stated back in XXXX of XXXX. They stated that I wouldnt have qualified under COVID guidelines. HOW??? We have technically been impacted by COVID since XXXX of XXXX. These credit card companies lie and prey upon the lower middle class to steal their money and all they can say is tough. I am a veteran and trying to become a 1st time home owner. Please have Fortiva correct this information as they stated they would and stop lying to their customers to just take payments from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TN

Complaint narrative:
I received notification of a SSN trace and a subsequent email from a XXXX XXXX from TrueAccord/XXXX XXXX XXXX regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore TrueAccordXXXX XXXX XXXX by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.

Company response to consumer: Closed with explanation