vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They have called me numerous times for a debt older than 7 years. They are now calling my Mother in law telling her to get a lawyer. It is harassment.

LVNV Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Lease
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: NJ

Complaint narrative:
I had a leased vehicle from Hyundai back in XX/XX/XXXX. My lease was ending soon and was told I could purchase the vehicle at the by sending in the payment through Hyundai Motor Finance ( HMF ) online, and then sending in an Odometer Statement. 

I did this back in early XX/XX/XXXX. It has now been three months and HMF has yet to send out the title. First they said it would be sent in 7-10 business days. Every time I call they tell me that they " will escalate '' and I will hear a response in 5-7 business days. I never get a response, and call back. They tell me something different each time. 

One time they said the title was sent to me, and then sent back to them for a bad address. Another agent said that never happened, and when asked if it was a lie, they said, " Yes. '' They claim the Title Department only works XXXX and XXXX, but can not say where my title is or why it is taking so long. I purchased this vehicle and I need to get it registered in my name as the registration expires soon, but I can not do so without the title. 

One agent on the phone told me to email XXXX. I did this with the information, but they were unable to assist, and then forwarded my email to the Lease Buyout Team. I talked to this team over the phone, and they said it was Titles team who releases titles. No one seems to know where my title is or who is working on it, and there is no contact info for the Titles team.

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 2021-07-02 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: MA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, authorize nor benefit from the following accounts block and remove it please AND If I received goods and services please have a senior executive certify under the penalty of perjury that i have in fact received goods and services as a results of this transaction, i have attached an FTC REPORT, A NOTARIZED FTC AFFIDAVIT AS WELL AS MY ID

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 2021-07-02 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: FL

Complaint narrative:
This account is inaccurately reporting on to the credit i have to believe it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I received a call from this local number : XXXX informing me that someone is trying to use my Amazon credit card for a {$900.00} purchase and to press 1 if I did not authorize this. 
I pressed! & was redirected to an operator who had me download this app called " XXXX XXXX ''. They had me read back a 9 digit number to them because they wanted access to my Amazon app on my phone. I hung up when they asked me to hit " Accept ''. I decided to call Amazon customer service myself & they confirm to me that the call was not from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: DISCOVER BANK
State: MA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
A few years ago, an individual stole my personal information and opened several accounts using my personal information and it has ruined my credit. I have explained to XXXX XXXX XXXX and SYNCHRONY BANK, that I did not apply for the credit card nor did I make any purchases totaling {$860.00}. I was requested to make monthly payments while SYNCHRONY BANK investigated my claim. Then with out notice, I had multiple calls at all hours of the day, from XXXX XXXX XXXX, a collection agency, telling me that I needed to either make one payment of {$470.00} or set up a payment plan. The company made it seem as if they didnt care that my identity was stolen and this was a fraudulent purchase and account, or that I had filed a police report and the individual was arrested. Fast forward from XXXX to XXXX this account has been reopened and is back on 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 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2021 I submitted paperwork to agree to a deferral after I had previously participated in a Covid payment forebearance program. I submitted all forms and appropriate payment. This payment was withdrawn from my checking account at Bank of America on the XXXX but not applied to my mortgage. Currently my account shows a late fee for XXXX and no payments have been applied although the statement clearly shows Unnapplied funds for 2 payments timely made. 
I have made numerous calls to Bank of America Mortgage and each time I am reassured the account will update in a few days. NOTHING EVER GETS DONE. This has been going on for the entire month of XXXX and nobody, no matter how polite they reassure me something will get done, nothing gets credited. They certainly were able to get the money from my checking account however.

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 2021-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
They have been calling my grandma every day about the loan, even after my owed amount as been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They also reported and transferred over my information without my permission. A " credit '' check doesn't consist of having my intellectual property " reported '' unauthorized.

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 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: AZ

Complaint narrative:
I filed chapter XXXX bankruptcy in 2020 and it was discharged XX/XX/2020 Mountain Run whom I have never done business with keeps reporting debt in my XXXX report. I have asked them to removed it and asked XXXX to remove it I have never done any business with mountain run I did some digging and they may have purchased a debt already written off in my bankruptcy which is XXXX XXXX and they did XXXX was written off in chapter XXXX so now they mountain is reporting the debt under there name a collection acct past due Ive asked them to delete it Ive had no dealing with them And XXXX was in the bankruptcy chapt XXXX already

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 2021-07-02 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with XXXX XXXX XXXX. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted account

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 2021-07-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2021, I tried to get the balance of my card and I was unable to do so. I called Direct Express, and they told me there was a lock on my account. They couldn't tell me why, they said it was confidential and couldn't tell me why my account was locked. I called Social Security and they told me they sent the money to Direct Express XX/XX/2021, and I needed to talk to Direct Express. I called Direct Express who told me my account was still locked and I needed to send proof of identity- social security card and birth certificate. I called Social Security again, and they told me that they would close that old account, and renroll me, so they would suspend the Direct Express card and then send a new card by XX/XX/2021. I didn't get anything by XX/XX/XXXX, so I called Social Security again, and they said they would send a new card again on XX/XX/2021. I called Direct Express to see if the account had been suspended and a new account created, and they said no. They asked me to update all my information and I did so. On XX/XX/2021, I also faxed Direct Express the documents they requested ( the social security card and birth certificate ). On XX/XX/XXXX, I called and spoke with a XXXX from Direct Express who told me that I had got a confirmation that I was approved by Direct Express for receiving my benefits on XX/XX/2021, but I had never received anything about that confirmation. He then told me to resend all my documents since I got no confirmation and sent this XX/XX/2021. I still have not received any new cards and still have no money on the card I have now. The case number with Direct Express is XXXX. 

I am XXXX and there are extra hurdles and obstacles for me. My mom has had to help me with this process and it is my mom 's email as contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Moneygram has no re-issue or re-purchase or refund procedure for the purchase of their moneyorder service. If the recipient refuses to accept the money order. You are likely out of the . This is an illegal and concealed illegitimate attempt at theft. Moneygram is set up like a criminal organization where by you can appear to make a transaction. But the rules of redemption are up to the criminal enterprise to deem correct. I can not take them back where I purchased them or to a bank to deposit them. Making the money order a one-way ticket. 

I understand this is normal in our self-regulatory system of criminal corporate XXXX but I'm still going to complain every time I get robbed by so called legitimate businesses. 

2021 MoneyGram. Licensed as a Money Transmitter by the New York State Department of Financial Services. XXXX XXXX XXXX License # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. Licensed by the Georgia Department of Banking and Finance ; XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
a electronic signature is not validating proof of claim, and sated before, there is no proof stating that I owe NATIONAL CREDIT SYSTEMS at all, a guy name XXXX called aggresive, over the phone and called before XXXX central time, that's harrasement please show proof or a contract stating or bearing my signature that I owe them ( national credit systems ) How can a third party collection agency not know what state I live in at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed disputes in regards to the incorrect itens on my credit report. It has been well over 45 days and I haven't received any investigation results.

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 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XXXX - and other retailers - offer a service called XXXXXXXX XXXX XXXX in which the consumer can apply and obtain credit ( via a hard credit report inquiry ) and purchase a new XXXX XXXX XXXX ( or another model ) plus an All Access game pass for a monthly fee for 24 months. The credit is provided through Citizens One - perhaps a subsidiary of Citizens Bank. The intermediate third-party shipper is XXXX. 

I purchased this service on XX/XX/XXXX and the shipping date was XX/XX/XXXX. XX/XX/XXXX came and went. I have received zero updates on the shipping date, even after multiple inquiries with XXXX and CitizenOne. In fact, when I call XXXX, they tell me to call CitizenOne. When I call CitizenOne, they say call XXXX. Guess what XXXX says when I call? Call CitizenOne or 'the retailer '. 

These three organizations, together, received my personal financial information, my social security number, and performed a hard inquiry on my credit report. Surely, the line of credit will also be reported on my credit report - yet, they have apparently zero obligation or feel no responsibility to provide any meaningful way to update a customer on their own failure to stick to the terms of the deal. Any business should have a method for a customer to resolve disputes, especially when the good faith credit of the customer is at stake. Instead, these three companies point the fingers at each other and intentionally obfuscate and frustrate any attempt to get information regarding how to resolve a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: IL

Complaint narrative:
I contacted Equifax on XX/XX/2021 requesting to verify the accuracy and compliancy of XXXX XXXX XXXX XXXX # XXXX It has been more than 30 days and I have not heard back from Equifax . Equifax can not verify this account. I want this deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Due to covid I was laid off from work : I live in California and we were completely closed down. I struggled and made payment for the 1st 5-6 after covid started but I depleted my savings. I applied for a covid forbearance plan from SPS and that went back and forth and eventually I was approved for a repayment plan ; which would increase my mortgage payment by about {$1400.00} This doesn't help I asked if they could add the balance to the end of the loan and I have not heard back from SPS. Please help me make my payments again ; I was not late on my mortgage and struggled to make payment through all of 2020. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation