vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/XXXX, Kia Finance received a check from my car dealership and cashed the check on XX/XX/XXXX. The payment was not properly applied to my account until XX/XX/XXXX. The dealership overpaid my loan by {$700.00}. I called Kia Finance to determine when they would send me the refund amount. They told me to give them up to 30 days. I called back numerous time before and after the 30 days from XX/XX/XXXX ( which I believed should have been from XX/XX/XXXX when they received and cashed payment ) and was told that the refund is still pending. They can not answer why but it is. I called today and was told that I need wait 90 days. Kia Fianance keep extending the timeframe without explanation and reasoning. I received a letter over a month ago advising that my account was paid off and I do not owe Kia Finance any additional funds. Why are they still holding my refund for no apparent reason.

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 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
At XXXX XXXX on XX/XX/2021 I received a call from a number I wasn't familiar with. The lady on the phone asked for me by name. I asked wgo she is and where she was calling from..she gave me her name but no business name ... she wouldn't give me the name of her business..she just kept asking if I was XXXX. She even insisted that they have spoken with me before..I asked a THIRD TIME for the company name ... at this point I told the representative that when asked the name of her company, she HAS to give me the name. She then said " nevermind '' and hung up on me ... I called the number back and the answered buy a different name then hci ... I talked to a rep and explained what happened and told her its and fdcpa violation and she snickered like I was wrong ... I asked for their dept that handles these types of violations and the said they have no such dept..and they have no ways of handling these types of complaints. I have called them several times to ask them how the handle these violations and none of their reps can answer me other than giving me another number to call to speak to a " manager '' ... I am appalled that there are collection company still allowed to break with the fdcpa laws..and have no repercussions ... something needs to be done here..this is completely illegal behavior..THEY DID NOT SWEAR AT ME ... but I selected the 'communication option ' as they broke the law by not giving the name of their company when asked three times and hanging up on 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 2021-06-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I got this accounts that are notmine and i want them to be remove from the 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
Hello, Not necessarily a huge deal but it could be misleading to many other customers and create false expectations. 

I recently opened an account with Chime ( Bancorp Bank and XXXX Bank ). They required direct deposit for my of it's feature to open up, which is fine, but there are many little clauses and protocol they go through unbeknownst to us consumers. 

As for me, I would like to used their mobile check deposit feature but after fulfilling their requirements, or so I thought, they responded by saying it takes 30 days or so for review and other risk based factors. 

I am pretty mindful of this but had I known it would take 30 days to do a simple mobile deposit I might have gone else where. They advertise it as an immediate feature unlock after receiving your payroll deposit based on their phrasing and how it was advertised but apparently not. 

It's just a little frustrating to be lead to my conclusion but be told after some confusion that there are other steps involved. 

Enclosed it how they present their features Also their call center/customer service doesn't really help you resolve any of the issues you may happen to have

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
I purchased a vehicle 2 years ago & financed thru Time Finance in XXXX, Ca. Recently I requested a statement of my account history. After receiving the statement, I learned of additional charges added to my account balance without any knowledge. For the past 2 years additional charges were added to my account balance without my knowledge. Additional charges added for for car insurance in months I had insurance. Also late fees basically every month for the past 2 years, and additional charges that I have no idea what they are & why. Ive been frustrated that I deeply regret buying a car. My car payment is due on the XXXX of every month. I have a 10 day grace period so actually it is late after the XXXX of every month. I pay my car payment every month. I may have been late once or twice bit other then that payment is on the & has been. 
I never received any info in regards to my account. No receipt or any type of information other then car insurance. Since the beginning, I've had issue after issue that I deeply regret buying a car. My experience with XXXX XXXX XXXX has been stressful, anger, regret & so on. I strongly believe Time Finance should be investigated by some type of higher authority due to the so many complaints upon with XXXX & reviews with XXXX & ETC, ETC. On my statement they provided it is so clear to see error. In such a short time with this company, I can say without a doubt this company is so poorly manage that its so obvious that doesn't take much to see. Anyhow, there is so much zi would to add on but for now hopefully this will due for now. If it possible please have this company investigated. Thank you XXXX XXXX. Ps I want everyone to be aware if this company. So no goes thru the experience I've had & still have.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I completed a full loss mitigation application for a loan modification with PHH/Ocwen Loan Servicing. 

I have been trying to get PHH/Ocwen to correct erroneous information and errors on my mortgage since the onset of Covid. I had several critical sources of income cancelled due to Covid. 

My home has forced placed insurance that should have been removed in XX/XX/XXXX. 

My home has purchase mortgage insurance which is not proper by HUD and FHA guidelines. My home has a value no more than 70 % of the loan mortgage balance. 

Taxes and payment calculations are erroneous and have been so since XX/XX/XXXX. 

PHH/Ocwen hasn't modified and forborne my loan since Covid was declared by the President of the United States PHH/Ocwen made an offer to modify my mortgage during the Covid Pandemic that wasn't compliant with federal law, Executive Orders of the President, Congressional directives in the CARES ACT, and related laws in XX/XX/XXXX, and the American Rescue Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: CA

Complaint narrative:
This company contacts me everyday Monday - Friday, xalls repeatedly throughout the day from XXXX XXXX - XXXX XXXX. They do not leave voicemails. The times I answered theres either no response and then call disconnects, Ive spoken to someone who requesting that I verify my information and when I ask whos calling or what its regarding they either hang up or refuse to answer my questions and keep asking questions, the people who call are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Company applies debits before credit same day and will charge a fee of time is wrong vs full day. For example a deposit and payment happens on XX/XX/24. If they receive deposit at XXXX but debit payment at XXXX, they will reject the debit charge fee and okay deposit after the fact. 

They close accounts in negative before public timeline allotted to everyone. 

Inconsistent practices based on illegal qualifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: MN

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 2021-06-23 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Several months ago received a letter that spending amount on the account had been decreased. Was surprise but said OK. This month, received a letter dated XX/XX/21 stating the account had been closed. When I called to inquire as to why, I was quoted the letter which lists several reasons that the account could have been closed but not the specific reason. I was told that credit card companies check with the credit bureaus for all of their card holders every few months and if they believe the account holder credit isn't good enough they will cancel the account. The payments on this account has never been late because they are automatic ... and the account is paid over the minimum payment amount. 

My daughter suggested to me that perhaps the company is about to go bankrupt and are closing accounts so that the accounts can be written off. 

Due to COVID, part of my monthly salary has been reduced ( and I did have to open a medical credit card which has nothing to do this account ) ; but as I mentioned, this account has never been late. The closure of this account has reduced my credit score.

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 2021-06-23 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: Marlette Funding, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BEST EGG Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simpson Law Firm, P.A.
State: MS

Complaint narrative:
Simpson Law Firm, a law firm who I do not know anything about has placed a lien on my mortgage title. I am in the process of refinancing my mortgage. You see my wife passed away on XXXX XXXX. She was halfway into her bankruptcy before she lost the battle with XXXX XXXX. I found out while refinancing our home to take advantage of the equity that has accumulated to help pay for my children college expenses and home improvements that this law firm has a {$5000.00} lien on a debt they said that my wife owed. They arbitrarily listed this on a document to my mortgage banker. They included my name as the spouse. Now they are trying to say that I am responsible for the debt. No one has called or reached out to notify me of this circumstance in almost a year. Furthermore, how can they try to put a lien on my house title without notifying me. This is not right. Please advise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.

Complaint narrative:
I joined Paxful to transfer my remaining bitcoin from XXXX to cash out and one of their users who was using the name XXXX was using their platform agreed to give me real cash in exchange for the Bitcoin I had but he has not released my funds to the detriment of my finances. 

This is a totally serious issue as that was my remaining Bitcoin after the horrible ordeal I had encountered with other scammers. The Bitcoin I transferred to XXXX  was equivalent to XXXX AUD, this has taken a toll on me and I just want to get my money back. I am getting broke and I do not know which website is ok and why this all is happening everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a HELOC with US Bank and they approved me but required that my previous HELOC with XXXX XXXX be paid off as well as an XXXX card. 

They indicated that those accounts would be paid off through the new loan and included a disbursement sheet which listed check numbers and amounts to those to companies mentioned above. 

The loan closes and the accounts are never paid off. I had to use my HELOC funds thinking I received the remainder of the loan amount. Now i have all three of those accounts which need to be paid still which I can not do because I should have never qualified for this loan while keeping those other accounts open. Now I have 3 mortgages on my property.

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