vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$580.00} as reflected due on my XX/XX/XXXX statement. That payment was to cover for a due date of XX/XX/XXXX. The payment successfully posted. I logged in this morning and was alarmed to see a payment due on XX/XX/XXXX of {$700.00}. Now, I has also called about 6 months ago after receiving notification of tax payment due for my vehicle. I asked the associate if I could make payments over the minimum and when I do, would that automatically be applied to the balance I owe for taxes. She confidently replied YES. So, for 6 months I have been doing that, only to find that they have not been applied to taxes. Why would I overpay on a lease? On XX/XX/2020 at approximately XXXX XXXX EST, I made a call to Hyundai Motor Finance to discuss a concern I had with my payment due amount. I spoke with an associate that told me that I still owed the {$700.00}. I asked to speak to a supervisor. XXXX XXXX, supervisor at Hyundai Motor Finance, informed me that the website was incorrect and I owed nothing more for XX/XX/XXXX but would go ahead an resume my normal payment amount for XX/XX/XXXX. He also provided me with a confirmation number. Due to his lack of confidence on the call, I waited a few hours and called back at XXXX XXXX EST. The associate the informed me that I actually owe {$190.00}. She was unable to explain to me why her explanation differed from XXXX XXXX 's. I then asked for another supervisor and specifically requested to not speak with XXXX XXXX again but of course, he came on the line. When I confirmed that it was him I spoke to earlier, I asked for a different supervisor to which he responded, " There is no one else here. It's just me ''. He also advised that it " may '' be possible for me to get another supervisor so I offered to hold but he told me that y only option was to call back to " try '' to get someone else. At which point, I requested an address to submit an Executive Complaint/Escalation. His response, " We do not have that. There is no address to submit a complaint and your questions or concerns end here ''. I have been in the XXXX XXXX for over 13 years and I am WELL aware of the options to Escalate beyond the call center environment. So my next move is to call back for a 3rd time with the anticipation that XXXX XXXX 's shift has hopefully ended and see if I can get a 3rd amount of payment due from a different supervisor. This is not an acceptable response to my financial concerns. He/they did not help and can not provide accurate information and refused to help 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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/20 I received an erroneous monthly statement, see attached.

Today, XX/XX/2020, the Loancare website indicated I am late and would not allow me to access my payment portal without admitting so by answering an erroneous question as to why I am late. 

Then, I was not able to initially navigate to the onetime payment, it was locked. 

Next, I logged out and logged back in to find it working. I proceeded to make my XXXX payment, but the website wanted me to pay two payments and a late fee! I was able to change the amount and delete the late fee to make a regular payment as due. 

I was not able to avoid a {$10.00} charge, even though the website indicates it is free to use the onetime payment within 1-4 days of the due date ; I am within this time frame, so I should not be charged this fee. 

These continued mistakes by Loancare are causing me incredible difficulties and is unbearably burdensome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391.  Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F.  2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America removed funds from my account on different day than XXXX XXXX  received theirs. When calling, friendly associate named XXXX said my account was blocked from removing any fees.. Why am I being treated different than any other customer???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
In XX/XX/2019 I obtained a {$5700.00} loan from Allied Data LLC DBA Personify Financial. My payments were {$190.00} every other week. My first few payments I made well in advance and they were not applied but returned, I had to call as I was getting harassing emails and phone calls saying my payment was late, when in fact it was early. 

Secondly, since XX/XX/2019, they are applying 100 % of my payment to interest and nothing to principal even the amount that I pay over the minimum payment of which I was told goes directly to principal. 
They said that interest is computed daily, so by not applying my payment correctly to both interest and principal, they are increasing the amount of interest they will be paid instead of correcting reducing the principal. 

I have called approximately 4 times over the past month to have this fixed and have been told each time someone will get back to me in 5-7 days, NEVER has anyone called back. 

Lastly, they incorrectly reported consistent late payments to the credit bureau and caused me a {$3000.00} additional rent deposit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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.

Complaint narrative:
I attach the list of the accounts from the fraud on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened a BMO Harris Smart Advantage Checking Account on XX/XX/XXXX. There was {$400.00} bonus if I met the requirements. The requirements were {$6000.00} in direct deposits within 150 days, turn on paperless statements within 150 days, 10 debit cards transactions within 150 days. I met all of these. The direct deposits came from XXXX. All the requirements were met by XX/XX/XXXX. I messaged BMO Harris twice - once in XXXX and once in XXXX and got no response. I called them on XX/XX/XXXX and was informed I didn't meet the requirements, but wouldn't tell me which one ( of the 3 ). I complained further that day and talked to someone higher up. Eventually they said I met the requirements and I would get the {$400.00} within 2 weeks. On XX/XX/XXXX ( 15 days later ), I still hadn't received the {$400.00}. So I called BMO Harris and they said they asked for further proof of the direct deposits. I never received any message about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Received multiple letters from Resurgent Capital Services/LVNV Funding LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX claiming I owe {$4600.00} to LVNV Funding. Is this a scam? 

I disputed & requested Resurgent Capital/LVNV Funding, by certified mail on XX/XX/XXXX to provide supporting documents, etc. in writing & its license numbers in the State of Texas. The request was ignored, but they continue to harass me with robocalls & letters. Never heard of them & do not owe this claim! Noticed this company has over XXXX complaints with XXXX  & when I filed a complaint on XX/XX/XXXX with XXXX  to request Resurgent Companies remove this account from their system. This is the response they sent XXXX  ... ..,, '' Ms. XXXX expressly stated in her complaint that she wants us to remove this account from our system, which requires that we cease and desist all activity. 

But Resurgent Capital Services/LVNV Funding LLC contacted me again 14 days later demanding {$4600.00} on XX/XX/XXXX, after stating they would cease & desist all activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NJ

Complaint narrative:
On XX/XX/2015 there was a loan taken out in my name. My exs uncle worked for the car dealership where the car came from. My ex was not able to get a car in his name, so my information was used, his uncle pulled strings, then my ex didnt pay on the car. He ended up getting XXXX, and leaving me with a mess to clean up. I am not responsible for this loan, or the payments, and I want this taken off my credit report. Theres a balance owed of {$16000.00}. I also know that someone now has the car and took over payments. This account needs to be removed from Equifax, and XXXX. I tried to explain my situation to the credit bureaus, and dispute the charges. But they still wont remove it. Before my ex got XXXX, there was also a final XXXX XXXX that I had against him for his XXXX XXXX   me. The XXXX XXXX happened in front of police officers as well. And since my exs uncle works for the dealership, they wont do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NJ

Complaint narrative:
On XX/XX/2015 there was a loan taken out in my name. My exs uncle worked for the car dealership where the car came from. My ex was not able to get a car in his name, so my information was used, his uncle pulled strings, then my ex didnt pay on the car. He ended up getting XXXX, and leaving me with a mess to clean up. I am not responsible for this loan, or the payments, and I want this taken off my credit report. Theres a balance owed of {$16000.00}. I also know that someone now has the car and took over payments. This account needs to be removed from XXXX, and Experian. I tried to explain my situation to the credit bureaus, and dispute the charges. But they still wont remove it. Before my ex got XXXX, there was also a final XXXX XXXX that I had against him for his XXXX XXXX   me. The XXXX XXXX happened in front of police officers as well. And since my exs uncle works for the dealership, they wont do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: VA

Complaint narrative:
Direct Express allows you to select transfer funds from the website it will take the money but it never shows up in the account that you transfer to.I attempted to transfer money from direct Express to XXXX XXXX and the money disappeared after hours of trying to contact someone that customer service never answers and hangs up on you I had to contact your congressman and a senator to find out how to reach them. The money disappeared they will not answer the phone and the website says that it will do it but after speaking to someone they said that they have not done online transfers since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( TransUnion, XXXX, and XXXX ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( TransUnion, XXXX, and XXXX ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( TransUnion, XXXX, and XXXX ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, Experian, and XXXX ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, Experian, and XXXX ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, Experian, and XXXX  ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
All of a sudden on my credit report a company called online collections showed up recently Ive never heard of them or the people they represent I have asked him three times to send me the dispute form and they have not and I asked them to pull it off my credit report while they are investigating because obviously they have the wrong person because I said I cant even prove I wasnt even in the same state where theyre saying the charges were incurred on the day that they were saying they were in XXXX so I was halfway across the country and yet they wont pull it off my credit report and Ive tried to reason with these people but they are beyond reason I mean I cant understand putting something negative on your credit report if it in fact is yours but its not mine and they wont even pull it off while that Im disputing it and they still havent sent me the form ...

Company response to consumer: Closed with non-monetary relief