vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I moved from XXXX  to XXXX  after I leased a car from Hyundai ( Hyundai Motor Finance ). To get a license plate from XXXX, I need HMF to send the title to the Florida XXXX. Ive attempted multiple times to fax HMF the necessary forms to complete this process. Ive even sent it to their backup fax. They keep saying they havent received it. Although my fax shows me confirmation it was sent. Customer service cant do anything other than tell me yes or no if theyve received the fax. They wont allow contact with the titles department. Im running out of time for them to send what I need to the XXXX  XXXX before the XXXX tags on my car become expired. I dont know what else to do. Ive even attempt posting on social media. XXXX. XXXX. XXXX. Didnt work.

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX and my Checking account was closed at Bank of America XX/XX/XXXX due to suspected fraud. I do not have any knowledge of fraudulent activity on this account. If there was any fraudulent activity it was done inadvertently. The amount of {$410.00} was paid in full XX/XX/XXXX. I am trying to open a new checking account but am being declined because Bank of America has a suspected fraud alert on my XXXX report. I am trying to explain that I do not know why this is so I can open a new 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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I moved out of an apartment on XXXX, I was never contacted about anything owed. Out of the XXXX  Rent Recovery Solutions placed a collection on my credit without contacting me by mail, phone or email to notify of the money they claim I owe. I was not given the chance to review the supposed debt or dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Premium Credit Bureau
State: NY

Complaint narrative:
Once i noticed the inquiries in my report i called the 3 credit bureaus and informed them that they were not mine and appeared to be fraudulent. The bureaus said that they could not remove the inquiries. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
In XXXX my mother was scammed into a Reverse Mortgage by her insurance agent working with XXXX XXXX XXXX XXXX, this was then turned over to Nationstar HECM Mortgage, My mother did not need a reverse mortgage. she was XXXX XXXX and her house was fully paid for ... My mother had enough other income. After about a few years into the mortgage they started calling my mother for no reason. She became very upset. My mother had health problems and the chimney backed up with smoke/ My mother file with the house insurance company and hired contractors to fix the damages to the house. Nationstar, and somehow now we have Champion Mortgage playing tag team. mother was always in tears and crying. The insurance company would send the checks in mothers name and the insurance company name, Well, now this end up being Champion Mortgage, At this point. Champion Mortgage would hold the checks for a very long time, even months so that my mother would not have the money to pay the contractors with the insurance money ... The contractors would Stop work! Then in XXXX Nationstar jumps in and starts a foreclosure stating house repairs not done! - My poor mother, However, their Mortgage Servicer Champion was holding on to the money, keeping the work stalled! and when My mother called them she would get transfer to different people all the time. She would say I need you to send the checks back so I can pay the contractors. They would humor her and say we will call you back! that call never call regarding getting the check she sent to them for their signature to repair. by this time my mother was in and out of the hospital. she had no representation at the time of the Reverse Mortgage and didn't understand they could take our family home this way. My mother 's house was stolen for $ XXXX now they want over $ XXXX these people XXXX  my mother up until she died on XX/XX/XXXX she had a foreclosure Court date the day so after she died. My mother last words don't let them take the house. This was the biggest Scam on a elderly women, in a XXXX XXXX at XXXX years old. This house belongs to me not Nationstar, My mother died at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Hi, I hope all is well. 

I have one account with Navient that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', before reporting as current again to all three major credit bureaus.This has happend on two separate occasions : - XXXX of XXXX - XXXX of XXXX When I log into my account, there are no links or data to shows me every being late. It is also hard for me to believe that I can be considered " Current '' on month, then 90 days late the next. Multiple letter requesting this information has been sent to Navient with no reply or update to my profile. When I call to get information about those specific months, I am told that it is not available, which makes it impossible for THEM to furnish this information to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

Any help or clarity given would be really appreciated. 

All the best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I ordered an XXXX XXXX but I never ended up staying and told the owner 24 hours before hand. They were suppose to cancel the XXXX XXXX. Instead they wrote a fake review how they enjoyed my stay, when I never stayed there. I disputed it with Bank of America but they charged me again for XXXX. This charge has taken a toll on me, as it is taking money away from my bills.

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 2021-03-03 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: NY

Complaint narrative:
Once i noticed the inquiries in my report i called the 3 credit bureaus and informed them that they were not mine and appeared to be fraudulent. The bureaus said that they could not remove the inquiries. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing in regards to my account with SYNCB/PPC Account # XXXX, the reason for this request is the reporting of late pays reporting in XXXX XXXX XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted 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 non-monetary relief
Consumer complaint received 2021-03-03 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX : I was provided with a refinance Loan Estimate after I applied to refinance my mortgage through my existing/ current mortgage company, PHH .

I agreed with the refinance estimate which provided the amount of {$120.00} from the borrower to close. 

I also had to pay for my own appraisal. 

My rep advised there would be no more out of pocket expenses. 

Total loan amount : XXXX, rate 3.125, P and I payment {$2400.00}, Impounds $ 928 monthly AFTER repeated attempt to obtain closing dates I received an outrageous estimate. 

XX/XX/XXXX : Loan Estimate Info Total Loan amount : XXXX, rate 3.125, P and I {$2400.00}, Impounds $ 943 monthly {$71000.00} from borrower to close. 

I was subsequently advised they were not approving my loan because : 1. I have unacceptable collateral. 
REPLY : I have a well maintained home with a minimum XXXX value attempting to refinance a XXXX mortgage. 
2. We do not grant credit in the conditions you have requested. 
REPLY : I was happy with the original conditions. I NEVER requested to change them. 
3. Unable to verify assets. 
REPLY : I provided any and all requests for bank information. A rep advised he was unable to verify he was unable to verify the XXXX needed for closing. I never agreed to pay XXXX to close. 

UPDATE : I have not received any responses after multiple emails with my concerns. After reading information on your site I see this may have been illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My complaint has already been submitted XXXX, very dissatisfied with their response .I feel they were fraudulent or incompetent! They had all documents and it was understood that insurance and taxes were to be included in my mortgage payment .I was lead to believe {$1500.00} would be my bottom line payment.Someone on there end messed up bad and am I to pay for their mistake .Clearly they knew I wanted escrow to include fire and home owners insurance along with taxes .They had in there possession on XXXX  XXXX 2021. Why was fire excluded? I only found out because Ca .Fair plan contacted me informing me my policy would be cancelled in days if they did not receive payment .I informed them to contact Loan Depot about this. I did ended up paying {$1700.00} at this time but will be stuck adding {$140.00} month for the duration of this 30 yr loan .This seems illegal to misrepresent loan this way .What is my next step .Is there another agency to report this to. Do I need a lawyer, trying to avoid that. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CL Holdings LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 34 inquires over that last 6 months that are not mine or have been fraudulent

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
on Sunday, XX/XX/2020, i realized that i had lost my debit card, my phones and my wallet. i contacted my bank immediately the next day with my mother 's phone to contact my bank. the name of my bank is current. i explained to my bank that someone had used my debit card and that this person was still using it. he wanted to charge me almost {$5.00} to send me a new credit card but then they changed their mind because they realized that another person was using it because when i contacted him via chat. their phone number doesn't work. i explained to current the transactions i didn't recognize and they said they would look into it. they contacted me today via my email address and told me they saw no error. i am shocked by their response as i showed all the evidence i had in my possession to show them that i was a victim. i hope you can help me get the refund of about {$1800.00} that was stolen from me. thank you in advance for your help. have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I bought a vehicle from XXXX XXXX in XXXX va. This dealership was very unprofessional and illegitimate in their business. After being confused about my contract, I went to the dealership for help, and once they caught on to the fact I was asking for to much information. They were pawning me off to several different employees with various different titles, from the sales man XXXX, finance director XXXX, and general manager XXXX. After I was not giving all my documents and was told these documents were not kept in house and were telling I needed to come back another day or wait for a call. So I finally had another person provide me with all my documents they were trying to not release to me. I got out that they charged me for a package I never signed for and wanted, and the double charged me a {$990.00} freight fee. The general manager and salesman said they are allowed to do what they do, they can sell the call whatever price they want to. They can not redo my deal because apparently made multiple payments, and they can give me a credit but wont admit to adding to freight fees but they said they are allowed to sell a car however they want to. That my car was a hot car in demand, which it was not and sold it over sticker price. I believe if they so casual say things like this and act shady and hide your documents, this business should be looked into for fraud. 
I have attached I link to all my documents I shared with my military attorney. a email from him advising legal action under the military lending act for fraudulent business and reference to a attorney handling a similar MLA case but hasnt heard word back. This attorney does work for the cfpb and name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a closed account on my report : XXXX XXXX credit {$2300.00} Acct : XXXX I recently inquired about this account with both XXXX XXXX and XXXX XXXX XXXX  XXXX and XXXX  XXXX 

None of these companies were able to assist me. I wrote them deletion letter in XX/XX/2019. Still no response. 

This account that has been closed is affecting my credit report. Due to covid I have to move and look for another job. I would like this negative remark removed from my account. 

Thank you

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 2021-03-03 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: CREDIT BUREAU OF FARMINGTON, INC
State: NM

Complaint narrative:
Credit Bureau of Farmington is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. Since I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: OR

Complaint narrative:
Since being a customer with Regions for the past 14 years I have been charged an excessive amount of NSF fees based on an unfair methodology used to calculate said fees. The method used by Regions to calculate their NSF fees is unfair. The most recent situation has allowed for Regions to charge me three ( 3 ) NSF fees on a positive balance of {$28.00}, as shown in my online banking.

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 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This company recently acquired a fairly old medical debt. Placed it back on my credit report to make it look more current and has called my phone number repeatedly for weeks. 

I have blocked them but they keep getting through to my number. I researched the owner of the company and he is an XXXX. I have XXXX relatives and I think I have been targeted. 

I want this to stop. 

A large portion of my debt is medical bills when had been previously removed from my report and suddenly in the last year they have been added back on. 

I didnt think this could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with non-monetary relief