vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 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: DE

Complaint narrative:
I paid off my auto loan from Hyundai Motor Finance and have been enquiring about the title which now lawfully should be turned over to me. I 've received a myriad of responses including they do n't have my title, they wo n't send me the title, they will send in 90+days, I should go get a duplicate from the DMV as they 'll never send me a title, I should get it from the dealership etc. All these calls are recorded by HMF so you can see what they are doing. 
I believe I complained about their using incorrect credit scoring and over charging me interest so they are now retaliating with holding on to my paid off car title. 
I just want my title as I 've paid the loan off and HMF is illegally giving me the run around. The DMV sent my licence plates and registration to the dealership who forwarded to me ... And HMF says they have n't even received the title from the DMV ... What a lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed by XXXX to submit a letter to request a postponement of my foreclosure. This letter was faxed by a non-profit housing counseling agency, XXXX, on XXXX/XXXX/XXXX. Later I spoke with Ditech to check on the status of my postponement and was informed that this letter was not reviewed and no assistance was granted because there was no packet to review. This is contradictory to what I was informed and has prohibited me from pursuing much needed mortgage assistance. I spoke with Ditech on XXXX/XXXX/XXXX and requested a reinstatement amount as of XXXX/XXXX/XXXX I still do not have this figure. It seems as if Im being given the run around and I am only trying to find a resolution towards saving my home. I believe that proper communication and accurate information is not being shared, unfortunately to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I entered the Check N Go on XXXX XXXX and handed the Represetative a notarized letter. I informed her that I also sent a copy to XXXX XXXX she took the letter thanked me. I was laid off from my job and I informed XXXX XXXX that I wanted to revoke authorization to my checking account because I could no longer make the payments. I had no problems in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX but XX/XX/XXXX Check N Go attempted to debit {$140.00} from my checking account. On the check it states Authorized by your Customer No original signature required. I signed a contract at the time I received the loan authorizing Check N Go/XXXX XXXX to pull funds from my account but I have since revoked that authorization. This caused me to receive two returned check fees from my bank of {$36.00} each and a {$10.00} returned check fee from a company that I made a payment to that was returned as a result of this unauthorized check. I spoke with a women in the collections department and she refused to give me any information. I asked her for a number or address to file a complaint she stated that the only way to contact Check N Go is through email. She gave me the incorrect email address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I was sent a refund of {$250.00} for an item purchased from XXXX. PayPal noticed me on XX/XX/XXXX that a " eCheck payment was declined by the sender 's bank. We will automatically try to process this payment again in 3 business days. It then usually takes 3-5 days for the money to be deposited into your account. Please do not ship items until you receive payment ''. This was a refund and I was not the individual shipping the items. I was the buyer and not the seller. I called PayPal on XX/XX/XXXX and they indicated that they could not do anything but wait for the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a modification on my mortgage in XX/XX/XXXX and was told by my mortgage company not to make payments while the modification was in process ; after the mortgage modification was completed, the mortgage company showed my credit as being delinquent in my credit report, I tried to get them to reverse this to no avail in XX/XX/XXXX and today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I vehimately disagree with the Synchrony bank rep who researched my complaint about the interest charge for {$100.00} and {$19.00} for the XX/XX/XXXX statement for 2017. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect 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 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I vehimately disagree with the Synchrony bank rep who researched my complaint about the XXXX XXXX interest charge of {$250.00}, which I was supposed to get along with the other XXXX interest charge. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect 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 monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a notification on XXXX that a collection account was added to my credit reports. According to XXXX, it was reported on XXXX/XXXX/XXXX but I never received a dunning letter in regards to this collection account and then I was notified of the account by XXXX. I have never done any business with this company or have any knowledge of this company or the amount owed.

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 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had a business partner that throw me out for the company 10 years ago. Then about year here put the company in bankrupt 's and at the I was told that I need to fill bankrupts personal so did all the page work but I but pull out and never did. 
Now I have a Bankrupts on all three of my Credit report. I was told it be remove in the first year do that I never flied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
Midwest recovery systems is trying to collect a utility debt from me that was incurred over ten years ago. The original company I owed the debt to was XXXX XXXX in the amount of {$810.00}. They constantly call my phone numerous times throughout the day and on weekends. Now they are contacting my daughter her telephone number is XXXX and threatening her that they are going to call her employer. This is harassment and it needs to stop. I have block several telephone numbers that this firm uses. If you need any of these numbers please contact me. 

The harassing company is : Midwest Recovery Systems. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX MO. XXXX. Their telephone number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been contacting this company for over two years trying to verify a debt that XXXX XXXX states I owe. I have repeatedly asked for verification of debt, method of verification, names of who they spoke with to verify the debt and even sent a letter to the original creditor who stated that they no longer have any records and I need to call Midland but they have yet to verify a debt I supposedly owe. I do not owe this debt nor do I have any knowledge of this debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I opened a Discover Bank Checking and Savings account on XX/XX/XXXX. I transferred {$5.00} from my XXXX checking account for the initial opening of both accounts, which was received and accepted on XX/XX/XXXX, I had also scheduled for {$50.00} to be sent to the new account on XX/XX/XXXX. On XX/XX/XXXX I received an email that both accounts have been suspended and to call immediately, which I did. Upon calling them, I was told the accounts were n't suspended, but actually closed and the initial {$5.00} would be sent back to the issuing bank and the {$50.00} that was in the process of being transferred would be rejected and sent back to the issuing bank, as well. It is now XX/XX/XXXX and none of the money has been sent back. I called them today to find out why the money had not been returned to my issuing bank. I was told a variety of stories : 1. The issuing bank had to send a letter of indemnity to Discover in order to return the funds. When I asked why, I was told it was policy. I explained I had been told in the last phone exchange that the money would not even be accepted, so I should n't have to jump through this hoop. I asked for a supervisor. 
2. XXXX, the supervisor, continued to say that it was policy to get the letter of indemnification. I asked for the policy that dictates this. She led me to the National Deposit Account Agreement online, wherein it states that " We can close your Account at any time for any reason, including if the balance in your Account is zero. If we close your Account, funds on deposit will be disbursed to the Accountholder ( s ). '' I asked XXXX where it says anything about a letter of indemnification. She said it 's policy to require it. I told her she was a liar and wasted my time. I explained I could understand if they had policies in place to guarantee that I was me if I wanted them to send me a check, but I only wanted the money returned to the account from whence it came. I was n't asking them to return it directly to me, so they would have no loss and would therefore, not need a letter of indemnity 3. On a subsequent phone call ( we were disconnected ) to XXXX, she stated that when their " investigation '' was done and the letter received, they could release funds. I said, " What investigation? '' She said I was being investigated for fraud and that was why they needed the letter. She refused to tell me what prompted this investigation. I told her this sounded like a ruse to avoid releasing funds since it has not been mentioned in ANY other correspondence or communication. It was unlikely that I was committing fraud for {$50.00}! 

I believe Discover holds funds they are not entitled to in order to increase the interest they can get off those funds and the more hoops customers have to jump through, the better. They have told numerous lies throughout this process and they should be held accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct

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 2017-10-24 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: TX

Complaint narrative:
I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct

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 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Called XXXX XXXX on XXXX/XXXX/XXXX concerning return of an over payment of XXXX, customer service representative took down my routing and account number from my checking account and mentioned that I would have the money credited back to my checking account within XXXX business days. As of today XXXX/XXXX/XXXX the money has not been returned to my checking account. 

XXXX/XXXX/XXXX I spoke to a second rep from XXXX XXXX XXXX XXXX XXXX who informed that an investigation would be started and that this process could take another XXXX to XXXX business days to investigate. This form of business is unfair to the customer especially if the situation was turned around and I had owed the money.

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 2017-10-24 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: AES/PHEAA
State: WA

Complaint narrative:
My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but Fed Loan Servicing posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted Fed Loan Servicing and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from Fed Loan Servicing that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that Fed Loan Servicing was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Initial correspondence sent to Credit reporting agency Equifax , XXXX , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I 've always had perfect credit. I went to get a loan on a truck and discovered that I had a derogatory account on my credit that brought my XXXX XXXX way down. I checked it, and it was a collections agency Enhanced Recovery Company reporting a debt for XXXX XXXX XXXX XXXX for XXXX  from XXXX. I have had a XXXX home phone and a XXXX cell phone for over XXXX years. In fact, I have never had XXXX XXXX XXXX. I tried disputing it through the credit reporting agency and got nowhere. I called the collections agency and they want a copy of my license, credit report, and SS #, which frankly I am not comfortable giving them under the circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter from Convergent telling me my account is placed for collection. They provided no information as to what the debt is, they left the creditor name blank, they spelled my name wrong, and the letter they sent was dated about a week before I received it ( XXXX/XXXX/XXXX ) I do not believe I owe this debt. I sent a timely letter informing them as such XXXX XXXX/XXXX/XXXX XXXX, and requested additional information about the debt, and officially disputed the debt. 

I have not received the additional information I requested, and they continue to attempt to collect the debt by phone. 

Instead, they continue calling me and leaving incomplete phone messages. 

I do not wish to be continuously harassed by telephone while they ignore my letter requesting additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: GA

Complaint narrative:
I want to file an application for a special forbearance for my loan.

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX XXXX at XXXX est i called transunion credit services and spoke to XXXX in the usa, to Inform them i was aware of inquirys on my credit report that where deleted from a glitch a while back they had and deleted my inquirys on my report and now they put them back on my report and some others i never made, i told them i know my legal rights and legal protections and that they failed to notify me in writing XXXX days prior to re-adding the inquiries to my report that they were intending to do so. I Demand that all of the inquiries be deleted for this reason and this reason alone from my TransUnion report. My transunion 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