vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: MT

Complaint narrative:
I leased a vehicle from Hyundai Motor Finance then purchased that vehicle through my credit union. 

We submitted my Odometer Disclosure Statement along with the check. ( which was cashed on XX/XX/XXXX ) After a couple phone calls from my credit union they finally received the title in XXXX but no lien release. 

After several more calls, we keep getting the same run-around. They say it has been mailed and we should be getting it soon. 

It's been 3 months and I need to get this resolved before I can register it so I can drive it.

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 2021-09-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted multiple disputes and an FTC report for a fraudulent account on my credit reports. 

Experian & XXXX - XXXX XXXX XXXX {$38000.00} The balance keeps increasing every month. I never lived here!

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : Amount Disputed : XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$530.00}

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I decided to pay off my XXXX Capital One card. My automatic payment was due at the time I also sent the final payment. The final payment was for XXXX XXXX The payments both posted on XX/XX/2021 from my bank account before the due date as I requested. The mistake I unwittingly made was to also close the account. Apparently if you close your account and pay it off just before, they take your money but wont give you credit for it. Therefore, Im notified of my account I just paid over XXXX on is somehow delinquent.. even with the automatic payment posted. When I call Im assuaged with, dont worry, this is a known problem in a couple days call back to see if its resolved. This isnt reassuring. Im told that I must once again jump threw the hoops of their automated system in order to talk to a competent representative. That I can in fact NOT count on them to do me the courtesy of calling back or emailing me. But I concede and call back in a couple days to have to explain the entire debacle again to a heavily accented young man who starts asking for my banking information and wants me to fax my bank statement in as proof I paid the bill even though he can see that I did as he told ME the amount I had paid. I then requested to speak to a supervisor. She was more clear, but seemingly confused and unable to fix the problem herself as well. I had to send in screenshots of my posted payments and I was told I would receive a provisional payment and that my credit report would be corrected. None of this has happened. I am advised by my financial advisors that I can seek legal counsel as this is definitely grounds for a lawsuit. It is XX/XX/XXXX, and I will call them again tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
In an attempt to provide me with debt validation. Simon 's Agency XXXX Inc violated my HIPPA rights by accessing and printing my medical ID, Medical Bills and Procedures and sending me without my authorization. Simon 's Agency, Inc never released a HIPPA form for me to authorize access to this medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
i went in to make a mortgage payment using my debit card @ associated bank they turned it into a cash advance for some reason. this caused 2 declines on my debit because of the daily limit. everyone else uses it like a charge card except these guys. they only take certain kinds of payments, making it up as they go. i am sick of the XXXX  from this bank. can you please switch me to a new loan service? these guys are always playing games, because they can. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sun Trust Bank has placed forced flood insurance on my home. I already have flood insurance. The bank claims that my house is in flood zone AE and my insurance company says I am in zone X. I've been fighting with them for months and the took {$4400.00} out of my line of credit to buy insurance that I don't require. I talked to all of my neighbors and they only pay between {$800.00} to {$900.00} a year. This seems like a scam to me and I can't seem to get anywhere with them. I also filed a complaint with the FDIC about this matter, but have yet to hear back from them. I flied that complaint on XXXX XXXX, XXXX. 

Thank You 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 2021-09-15 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: MD

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: DE

Complaint narrative:
Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. XXXX states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

XXXX states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from Lexisnexis. I contacted Lexisnexis which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. XXXX states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

Experian states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have an account with Lowe's/Synchrony Bank. I have been sending in my payments via a 3rd Party at the beginning of each month. You can imagine my surprise to discover that for the last 3 months I have been recurring late charges on my account. Let me give you an example as to their explanation. I pay my bills within the first 5 days of the XXXX day of the month. I am old and ill and want to be a good consumer. Now I have been advised that the monthly cycle ends not at the end of each month but by the XXXX of the month. Therefore, as an example, the payment I made on XX/XX/XXXX, was not posted as an XXXX payment, it was posted as a XXXX payment as their " cycle '' had not closed yet. Same way with the payment made in XXXX at the month beginning and XXXX. To add insult to injury they then charge me a XXXX " late fee '' for a payment they got early! Please explain how this is legal.

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I used a Barclay credit card check. 

On XXXX Barclays declined a check I wrote in the amount of XXXX to XXXX XXXX. The check was within the parameters of my credit limitations/ The check was intended to retire a debt on my wife 's XXXX XXXX account during a XXXX interest period. 

The result of the declined check has caused : A late payment charge of accrued interest of XXXX. 

I had difficulty understanding the customer service representative due to background noise and her heavily accented English. 

She did indicate there wasn't a reason for the declined check and I think opened case # XXXX. 

we have been damaged us considerably and I need Barclays to solve this problem ....

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 2021-09-15 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: Porania, LLC
State: CA

Complaint narrative:
I have these accounts that does not belong to me and i want it to be removed. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-15 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: NY

Complaint narrative:
these accounts that appear on my credit report do not belong to me, they are hurting me. 

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

2. Identity Theft BK OF AMER Account Number : 62 This is not mine.

3. Identity Theft BK OF AMER Account Number : 01 This is not mine.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX falsely signed my sons name to a contract for service. 
They also NEVER mentioned at the time of initiation that I was signing up for a 36 month term. In addition, the equipment was never installed correctly or functional. I called them many times in order to terminate this contract to no avail. 

Now, they have reported this debt to Mountain Run Solutions. I have contacted MRS many times with the offer to settle this debt and they have refused due to it being new debt. They only offered threats to report this to the credit bureaus. 

I am now being treated unfairly by two institutions without any recourse. Please help. Thank you.

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 2021-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We are trying to refinance our home to a shorter term. We have fallen behind because of XXXX. Freedom mortgage will not take me out of forbearance so that I can refinance. Ive been trying to get this settled for 3 weeks. They are making it extremely difficult.

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 2021-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIT BANK, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX I paid {$270000.00} for my house. We put 20 % down - In 2020 I sold it for {$350000.00}. XX/XX/XXXX the lender ( XXXX XXXX ) submitted a {$250000.00} payoff and I took {$200000.00} cash to the next closing on a {$210000.00} house. We owe {$45000.00}. The payoff came from XX/XX/XXXXThe funds were returned to the title company twice- without a release of the only mortgage on the property. Even after payoff I had to contact FDIC to finally get the lien released. XX/XX/XXXX XXXX released the lien AND transferred it to XXXX XXXX the same day. The loan originated at XXXX XXXX which became XXXX XXXX XXXX who sold it to one West Bank who transferred to XXXX who sold to XXXX XXXX. Meanwhile I made {$640000.00} in payments including a second mortgage paid off in XXXX. The total interest reported to the iRS was {$240000.00} since XXXX. There was XXXX escrow surplus and we got {$83000.00} at closing I have previously supplied cfpb with 1 ) bank statements that verify the payments. 2 ) tax returns verify the interest. 3 ) settlement statements verify the closing figures.

Company response to consumer: Closed with explanation