vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I paid off my car lease through XXXX XX/XX/2022. I've called multiple times to the lease-end department as well as the title department. I've been on hold for a record of over 3 hours at a time with the title department, with no one picking up. When I've reached the lease-end team, they tell me they can't help. They told me they have sent my title to the IL and MD XXXX and provided me a tracking number that is fake. The tracking number does not track on USPSXXXX and when I call the XXXX XXXX XXXX XXXX XXXX in both locations, they do not have a title on file for me. At this stage, Hyundai is giving me the run around, after a year of paying off my lease, and refuses to mail me my title. Should this complaint go unanswered, I plan on filing a police report and pursuing legal action.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit report deletion letter In accordance with the Fair Credit Reporting act the following listed creditors listed below have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 


Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/XXXX Amount : {$600.00} Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX Sold to XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00} Name : XXXX Account # XXXX Balance Updated XXXX XX/XX/XXXX Amount : {$0.00} Name : XXXX  - Purchased by another lender XXXX XXXX XXXX  Account # XXXX Balance Updated : XX/XX/XXXX Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I opened an account with Bank of America ( Acct no. XXXX ) approximately XXXX  years ago. Several years ago I requested the account be closed. 

Never heard from Bank of America again until last week when I received a statement for {$82.00} ( see attached ). I called and was advised my account was past due. I advised the person on the phone that the account had been closed several years ago and I have not charged anything on the account since then. The account representative acknowledged that form what he could see that it had been at least a year since there has been any activity on the account. Apparently, he could not see past that. 

Based on this the account representative agreed to close the account ( which I had already done several years ago ) and to waive the amount due. 

A day later I check my credit score using my bank ( XXXX XXXX XXXX XXXX ) app and it showed my score at XXXX. 

A few days later I applied for a loan and was advised that Bank of America had reported my account as being past due which damaged my score dramatically. I checked my score again with XXXX and it was down to XXXX. Of course this is going to cost me thousands of dollars in interest for me to obtain a new loan since I can not obtain the same interest rate now. 

Apparently, the balance due was from an annual fee. I called Bank of America today and the only history I could obtain was that following showed up on my account history- XXXX XXXX, {$1.00} interest charge adjustment ; XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$79.00} Annual Fee XX/XX/XXXX, {$79.00} " " Could not obtain what years this was from Bank of America had no right to report to the bureau as this account had been closed and should remove this form my credit history.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX, Transunion, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Everytime I go to bank my money had pending charges now they tell me don't use account to close for the weekend to close Monday of today and they still wouldn't close it., I want a new bank pnc is not the best. I have been hacked and fooled as well as card locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes acXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has allow fraud on my account since XX/XX/XXXX and as of XXXX  XX/XX/2023, I still have not yet received any documents of what the bank used to to determine why they denied a {$280.00} XXXX transfer claim. But yet they have now withdrawn XXXX transactions from my account in the amount of {$140.00} each. I am a college do it these fees are for my classes and now XXXX cant pay for my classes because the bank decided to take from my account, twice in XXXX week totaling {$280.00} for their banking fees. Arent banks insured and funded? Doesnt my father social security account have funds that they can go after. I just turned XXXX and this is some welcome and Bank of America also take overdrawn fees and monthly payments from those accounts but my account is now depleted and I now have to withdraw my classes.

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 2023-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, Today, XX/XX/2023 at about XX/XX/XXXX in the morning, I received two emails from your company online service. I am not sure what they want to do because they just ask me to file the dispute online, call, or mail. As I have already mailed and filed to CFPB, why I need to be asked to do again. However, since they asked me to file again, I will file the complaint to CFPB and your inconsiderate attitude toward the customer or XXXX nationality, who insist not be possible to serve as a military servant of this country, the United States, especially, I have the extreme high education in XXXX. I just want to ask you why I need to serve in the United States, since I know some people receive the right to attend the college/university after the military service of your country. Would you contact with your employee to check the main office whether it has received or not? Or maybe your customer service employees only can check the status of CFPB, because they should have the capabilities to contact and check it ; otherwise, I can not make logical sense to work for the credit report. 

Sincerely,

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've attached documents for your review. Please initiate an investigation into accounts reporting late payments, despite my consistent on-time payments.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Sat XX/XX/XXXX I used ATM machine a local bank of america XXXX in XXXX, Florida. I deposited a check in ATM machine for {$2200.00}. XXXX kept my check and did not post funds to my account. This was at XXXX. I went into the branch where no one would help. I get a telephone number to call. I go home I call bank of america. I file a claim. I get no information on when I will get my funds. I call the next day XX/XX/23 and I'm told the claims dept isn't open on the weekends and I should call back on Monday XX/XX/23. I call back a 3rd time to be told that they are back logged and will not give me a temporary credit until someone is able to research and watch the camera to make sure I deposited the check like I said I had. Then I'm told that I will not receive any credit until 2 weeks from now. Also it could take up to 30 days to complete my claim. This is XXXX  week. It was a bank of america check, written to a bank of america customer deposited into a bank of america machine. I have been a loyal customer for 18 yrs. I have a credit and savings account with them. For me to be treated this way over a broken ATM machine, especially during a holiday week is unacceptable. I shouldn't have to chose between paying my bills or feeding my family XXXX dinner because of their ATM machine error. I'm beyond upset. The last person in the phone wants to tell me my feelings are validated and that's all they can do. Excuse me? It's XXXX and I need to pay bills and feed my family and your keeping my money and I'm supposed to feel better because my feelings are validated.? I will get this resolved one way or another and never do business with bank of america again.

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 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
In XXXX I made a purchase on XXXX for some curtains on my paypal XXXX and received an item that was not as described. I opened a paypal dispute with photos and paypal admitted it was not the item I ordered. The said a refund was due, but I would need to ship it back. The return address was provided in XXXX. I received multiple shipping quotes that came in around {$500.00} to ship the item back. The item originally cost {$250.00}. I fought the dispute on paypal, but ultimately lost. I opened a previous CFPB complaint and paypal responded. They lied and intentionally left out information in their response to the CFPB. I opened an investigation with the credit card servicer XXXX and after some time they concluded there was definitely fraud that happened on the card and refunded my money immediately. I've been attempting to close my paypal account for the last 4-6 weeks and paypal continues to make up stories and excuses why they can't close it. They locked me out of my account and I can not sign in any longer and told me it was closed, but calling in today I found out the account is still active and mine is one of many that " that can't see to figure out how to close ''. I read this over a recorded line to XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
Date of fraudulent activity opening accounts in my name without my consent having fraudulent checks deposited into these accounts dated XX/XX/22 including savings account and checking accounts loans and mortgages using the Federal Benefits from United States Treasury Department for XXXX and impersonating me for XXXX Benefits including accessing my personal information through communication devices. XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/2023 I initiated an electronic payment for {$1000.00} through my checking account at XXXX XXXX for payment on my Citi XXXX XXXX XXXX XXXX - the total balance on the Citi credit card was {$3000.00}. I then used a balance transfer check for {$2000.00} from my XXXX XXXX XXXX account, ( check # XXXX ) to pay the remaining balance on the Citi XXXX XXXX. This was mailed via usps priority mail with a payment coupon from the Citi credit card on XX/XX/23. The tracking # from the usps priority mail is XXXX XXXX XXXX XXXX XXXX XXXX. On Saturday XX/XX/2023 I checked the status of the usps tracking and it showed the letter was delivered to Citi 's XXXX AZ address on Thursday XX/XX/2023 but when checking the Citi account on line they have only credited the electronic payment of {$1000.00} from XXXX XXXX and not the {$2000.00} check. This presents a problem because the Citi XXXX XXXX account is on a 0 % interest deal which ends XX/XX/2023. These pieces of filth from Citi are withholding this payment so as to show I have a balance of {$2000.00} and subjecting me to interest. They have pulled similar fraudulent acts on me with a mortgage account I had with them a few years ago - they are nothing but filthy liars and theives.

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 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
On XX/XX/2023 I paid off a mortgage ( through Cross Country Mortgage ) on a rental property I own in XXXX, Florida. I paid it off around the same time I was changing insurance companies from XXXX XXXX XXXX XXXX. As XXXX was aware that I still had a small mortgage at the time of the insurance switch, they sent notification to the Cross Country that they were the new insurer of the property. I paid the XXXX  up front ( {$2700.00} ) as is required when binding a new policy. Even though XXXX assured me they did not send Cross Country an invoice, but merely a notification of their taking over as insurer, Cross Country paid the XXXX...... again. By this point the mortgage was paid off, and I no longer owed on the property. When XXXX received the check from Cross Country, they saw that it was a duplicate payment and mailed it back to them. That was on or about XX/XX/2023. In a subsequent phone call to Cross Country, checking on the status of the return of these funds to me, I was assured by Cross County that I would receive a check from them within XXXX to 14 days. After about 21 days I still had not received the refund, so I called Cross County again to check on the status. This time they said that they would investigate as to where the refund was in the process. I have called them several times since, and each time I get a run-around as to why I have not yet received the refund. The last time, an agent named XXXX, blamed the situation on the fact that a lot of agents work from home, and that the check was probably at the office somewhere! Are you kidding me? 

So, here we are, over XXXX months since I paid off the mortgage on my property, and I still have not received my complete escrow from Cross Country. They still owe me {$2700.00}. I have to pay the taxes on this property ( due this month ), and their mishandling of this situation has caused me to be tight on funds to do so. 

I appreciate any assistance you can offer in getting this refund back to me. 

Thank you in advance, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: MIB Group, Inc.
State: MD

Complaint narrative:
I urgently need your assistance as there are numerous and egregious errors in my report from the company MIB. 
Despite never experiencing any of the reported health issues, the report inaccurately states XXXX XXXX, XXXX XXXX ( XXXX ) or XXXX test for which there is no specific code on XX/XX/XXXX and XX/XX/XXXX. 

Falsely mentions a XXXX disorder and XXXX XXXX on XX/XX/XXXX, inaccurately suggests tobacco use and prescription drug evidence on XX/XX/XXXX, and falsely indicates abnormal XXXX levels on XX/XX/XXXX. 

To substantiate my claim, I am attaching my health records from XXXX XXXX for the past years, including my most recent physical examination. Your assistance is crucial in rectifying these inaccuracies and resolving this matter promptly. 


MIB has included reckless driving on my report. I have attached my 10-year driving record from the DMV and am requesting the removal of this error from my driver history. 

Because of there errors on my report. I have been denied life insurance from several providers.

Company response to consumer: Closed with explanation