vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This is a formal complaint against Kia Motors Finance located in XXXX XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Kia Motors Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to XXXX  XXXX XXXX this credit card dept of {$140.00} is at a XXXX  balance but there for its still reporting as owe..thats again the law thats not accurate and this account is fraudulent see police report for more information..remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On XX/XX/2021. I purchased a pool from XXXX for {$500.00} and did not receive it. So then I tried contacting them to get a refund. I found the phone number online. I was told that the seller was fraudulent and that he/she was from XXXX. That the only way for me to retrieve my money was to convert it to cryptocurrency. So they had me download the app XXXX and XXXX where I made two accounts. Then they had me transfer money from my savings account to my checkings and proceeded to give me numbers and names to whom I will have to send the money through XXXX. As well as adding money to both of the XXXX  accounts through my chasse and XXXX accounts. Then they said that to retrieve my money I will need to purchase gift cards ; target, XXXX, XXXX XXXX. This has been going on from XX/XX/2021 to XX/XX/2021. I have purchased 15 gift cards and the total for all is {$4400.00}. These were purchased with cash, credit, and debit. And they are telling me to purchase more but I will not because I am now realizing how stupid I am and that this is a scam. I have contacted my bank because they have stolen my life saving since I was XXXX years old from me ; {$22000.00} that I had in my savings account. Plus all the money spent on the gift cards. But the bank is telling me that they can not help me because I gave these people the " ok '' but I only did it because I was promised to get it all back. So all they can do is provide me my bank statements and go to the police but without any guarantee for help. As for the gift cards I have contacted the companies and they are willing to work with me with the police but no guarantee either. I don't know what else to do. I am so stressed and I can not help but cry. I will go to the precinct tomorrow and hope for the best. I have the names and numbers of all the supposed customer service employees I spoke to. I have receipts and proof of everything I have mentioned. I also have a fake invoice of my chase refund that they sent me which I will attach below. I really hope someone is able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XX/XX/XXXX- XXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX NOT MY ACCOUNT XX/XX/XXXXXXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/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 2021-07-27 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: TX

Complaint narrative:
No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX- XXXX UNVERIFIED ACCOUNT XXXX  XXXX NOT MY ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1969

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
Signed up for a good deal for domain hosting services. XXXX XXXX XXXX  XXXX, on XX/XX/XXXX Somehow got signed up for " XXXX XXXX XXXX " for {$10.00}, and was billed for it. Don't want it, never wanted it, canceled it. 

Got billed again {$10.00} XX/XX/XXXX And again XX/XX/XXXX. Canceled it. 

They tried to bill again XX/XX/XXXX and XX/XX/XXXX but these two did not go through as I stopped them for fraud. They sent this {$20.00} bill to a collection bureau, however the debt was {$140.00} by this time. I contacted XXXX  on XX/XX/XXXX, they said they could do nothing to help other than cancel the acct, I had no choice but to pay the collection agency {$20.00}. Also, I did not speak to the " right department ''. There are many, many " departments ''. Retention, Cancellation, Fraud, Sales .... and no matter which one I speak to, it's the wrong one, I need to be transferred. Of course, if I speak to the wrong one, It's on me for not speaking to the " right '' dept. 

This is the collection agent for the fraudsters : Central Credit Services LLC ( Radius ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I spoke to them today, they claim I owe over {$100.00} ( how?! ) and There's nothing they can do, it's up to XXXX to recall the debt - in other words, exactly what XXXX told me only in reverse, so I need to call XXXX  back, " the right department '' - and of course XXXX says to call the collection agent. Round and round. 

I don't owe anybody anything, and they owe me {$20.00} for the two times they billed me for a service I canceled, and did not use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2021 I advised the BBVA bank rep that I wanted to close my account. I had opened an account at another bank. 

At the time i had approximately XXXX left in the account and i told them they could have the money. The rep said that the account could not be closed until I withdrew the pending amount XXXX. Once the account was XXXX  'd it would then be closed. He 100 % assured me that my account would have a notation about my conversation and desire to close the account. But the account never closed and apparently fee 's were being added to a XXXX  ' account by the bank, making the balance from XXXX  to a negative. Further, I continued getting a variety of emails from this horrible bank. So i filed a complaint with the XXXX. But nothing resulted from it. 


Today, at XXXX centralI called ph # XXXX and the service rep was highly argumentative. It reminded me of the old days when unscrupulous credit companies and bill collectors were arguementative, threatening and it was there way or no way. 

The bbva woman also began lying to me, citing that my account was credited for XXXX and 100 % refused to acknowledge that my account was XXXX  'd out and there was a debit made for the approx XXXX. 


I told her that i knew nothing about any credits that she claims the last service rep entered into my account. Why would the last service rep i spoke to that knew i had XXXX left in my account and knew i wanted the account closed, give me some kind of credit? 

She continued to argue with me like a child and 100 % refused to close my account. I told her i would be filing this complaint and hung up on her as she was relentlessly yapping and refusing to give me opportunity to argue back. 


What kind of customer service is this? Why lie about giving me a courtesy credit when I had direct deposit with no service fee 's? Why give me a credit, when the took their monthly service fee 's from my account after I transferred my direct deposit? I didnt argue or compliant about those fee 's they took out of my account. 

I've done my due diligence with getting the account closed by spending time speaking to agents. There monthly fee 's were paid without argument during the final months that my direct deposit was going to a different bank. I XXXX  'd the account. And all i get back for my due-diligence is XXXX. from this bank and old fashion criminality involving my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I made a reservation at XXXX  XXXX  on XX/XX/2021 for {$350.00} that was to hold the reservation. The {$350.00} would be applied toward the bill ( I have the message to prove this ). The {$350.00} was not applied towards my bill. I used my credit card twice at XXXX  XXXX  on XX/XX/2021 ; one for the amount of {$640.00} and again for the amount of {$370.00}. The {$350.00} should have been applied to either of those transactions but it was not. When I asked the server about it, I was told the {$350.00} would be returned to my credit card instead. The funds were never returned. I have tried contacting XXXX XXXX several times but I get no response. A dispute for {$350.00} was submitted to Navy Federal Credit Union. The dispute was closed by Navy Federal Credit Union without returning the funds. I have all the documentation to prove the {$350.00} should have been applied to my bill but wasn't and I am not able to reach XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 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: NC

Complaint narrative:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This is a formal complaint against RS Clark and Associates located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, RS Clark and Associates has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the American Express Hilton Honors credit card on the public welcome offer of getting {$100.00} credit plus XXXX bonus points after spending {$1000.00}. Two weeks after the approval, I did not receive the card. I called American Express for a replacement card. The Representative refused to send a replacement card. He assured me that the original card was on the way. Another two weeks had passed, and I still did not receive the card. I called American Express again, and this time the Representative agreed to send a new card and stated that I had 90 days from receiving the new card to fulfill the requirements to get the bonus. One whole month was wasted. I fulfilled the requirements by spending over {$2000.00} ( only spending {$1000.00} is required ) within the time frame, but did not receive the bonus points. I called American Express on XX/XX/2021, a female Representative assured me that the XXXX points will be issued within 8 weeks. She stated that XX/XX/2021 was the last day to receive the bonus points. I patiently waited another 8 weeks, and no bonus points showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
My husband and I took out a reverse mortgage in XXXX. At the time, we did not need any extra money, so we made no provision for taking money from our equity as it grew over time. My husband died 3 years ago, and now, XX/XX/XXXX, I need to draw a sum of money from my equity. The mortgage company, NOVAD, says I HAVE NO EQUITY in my home, even though a drive-by appraisal done in XXXX, XXXX, appraised the property at a minimum of {$380000.00}. NOVAD also has told me that if I should sell my home ( I do not want to sell ), I can ONLY SELL IT FOR WHAT IS OWED. That is not true. Nor is it true that I have NO EQUITY in my house. 

Last week I received a letter from a company called XXXX XXXX XXXX, saying I " am qualitied for the HECM program '', and that I can access my equity of {$160000.00}. They gave me a " case number '' of XXXX ''. I know nothing about this company, so I have not contacted them. 

My financial well-being at the point in time depends upon my being able to access some of the equity in my home. I do not understand why NOVAD tells me I do not have " XXXX XXXX of equity ''. THEIR WORDS, not mine. I have NEVER in my life NEEDED extra money, but I do now. I live on Social Security and a small pension, and I need some extra funds to pay a couple of bills, plus have the money to have my house painted ... I live in an HOA and they are sending letters around to the residents giving them a date for repainting, which we, of course, have to pay for. I do not live in a condominium, all the houses here are independently owned including the land ... however, this HOA is " considered a condominium '', which makes absolutely no sense, but there it is. 

Please help. I know that I have equity. I know that that money is mine, it is not NOVAD 'S. Please help me to access it. I have no other recourse. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There are two items reporting on my credit that I need to be removed. In the month of XXXX, Account XXXX XXXX XXXX agreed to remove the XXXX XXXX and XXXX XXXX XXXX from all three credit bureaus. They have been removed from XXXX, but they have yet to be removed from Equifax and XXXX  and I need these items to be removed from all three credit bureaus in compliance with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
According to Bank of America this credit card dept of {$140.00} is at a XXXX balance but there for its still reporting as owe..thats again the law thats not accurate and this account is fraudulent see police report for more information..remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Received debt collection letter from company owing {$410.00} for XXXX XXXX XXXX not sure when but have complained with the debt collection company this is a fraud attempt. They send me paperwork to fill out but am checking around first??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC
State: PA

Complaint narrative:
I RECEIVED A LETTER FROM ASCENSION POINT RECOVERY SERVICES TO PLEASE ACCEPT OUR CONDOLENCES OVER MY DEATH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
inquires not authorized by me

Company response to consumer: Closed with explanation