vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: GA

Complaint narrative:
I received a voicemail the week of XX/XX/XXXX and a letter on XX/XX/2021 from the Collection Bureau of the Hudson Valley attempting to collect debt from XXXX  for a service balance of {$260.00}. 

I have never had a XXXX account. I reviewed my records and my credit reports to verify ( I am a victim of identity theft and have a credit reporting and monitoring service ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I received a letter last year stating that a card was opened in my name and there was a {$280.00} balance. I knew this wasn't mine and wrote a letter requesting a list of charges. All of the activity was in Arizona. I do not live in Arizona and I have never been there. During this same time, another account opened in my name as a result of fraud, fortunately I was able to successfully dispute it. 

Looking into the account, I realized that I was not contacted until almost a year after it was opened. I contacted the debt collector and did not get far with them. During the phone call they could not identify me. They asked or my current and past addresses, as well as my phone number. No of my addresses matched what they had on file and they stated they were unable to help me because they could not verify my identity. 

A couple of weeks ago I tried to dispute using XXXX  and they disagreed. 

I received a letter with an offer of paying {$160.00}, which is not a lot. However, I do not wish to pay and they consider the payment is me admitting that this is my debt. I have exceptional payment history for my other accounts and this makes my account look bad because its a collection and shows up as multiple late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.Thanks

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 2021-07-06 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: CA

Complaint narrative:
I purchased a car through Hyundai Motor Finance ( HMF ) in XX/XX/XXXX. The 5-year auto loan was fully paid off as of XX/XX/XXXX. I have yet to receive a clear title for my car. 

I thought it was odd that I still did not receive a title, even after taking into consideration potential processing delays related to Covid. So two weeks ago ( XX/XX/XXXX ) I found out through the DMV website that there was still a lien on my vehicle. I immediately called customer service at HMF, and the rep told me that the title was never electronically released to the DMV. She told me that this would be escalated as a high urgency request and that I should follow up if I didn't receive a title by the end of the week. 

I called again on Friday of that week ( XX/XX/XXXX ) and spoke with a rep named XXXX, who then told me that the request was sent to the team handling title releases and it would take 3-4 additional business days to process the release. 

I called again on Wednesday XX/XX/XXXX, spoke with a rep named XXXX who transferred me to his supervisor XXXX. She told me that the title department has still not initiated the process of releasing the title and the only recourse is to follow up with them again via email, but there is no other way to directly contact them or escalate the issue further. She kept making excuses that the title department was " extremely backed up '' but given that my car was paid off 6 months prior I don't understand why this shouldn't be a priority request. She said it would take another 7 business days to get my title released. 

I asked if HMF would provide compensation in the event of lost value due to the delay ( e.g., if I were to sell my car but I couldn't get my title before the offer expired ). XXXX said yes, but XXXX then said no, HMF does not compensate for such delays. 

I checked again today ( XX/XX/XXXX ) and DMV website still says the same thing - there is another lienholder on my vehicle. 

HMF did not release title of the vehicle to the rightful owner for 6 months after the loan was fully paid off, and even then, it took my following up with customer service to initiate the process. Furthermore, even after I repeatedly followed up and requested immediate transfer of the ownership rights, HMF is refusing to do so.

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 2021-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I received a promotional flier from Citizens Bank for the following : {$300.00} for opening a new checking account, {$200.00} for opening a new savings account with {$15000.00} in new money and retaining that balance for 3 months, {$100.00} additional for doing both. 

The applications were submitted on XX/XX/XXXX. The account was not opened by Citizens until XX/XX/XXXX. 

The promotional flier has a clear table for payout schedule. For accounts opened in XX/XX/XXXX, " Bonus will be payed by '' XX/XX/XXXX. 

I reached to Citizens Bank on XX/XX/XXXX when I noticed the promotion bonus had not been paid. I spoke with an agent named XXXX who got me to a XXXX named XXXX. XXXX explained that they would have to look into the issue and get back to me stating a manager callback would happen in 24 hours. After no callbacks for 4 days, I reached out to Citizens Bank support on XX/XX/XXXX about the issue and spoke with a different gentleman whose name I did not get. He said the case XXXX XXXX XXXX had an update from that morning saying the bonus would be paid out " by XX/XX/XXXX ''. I have yet to see the payment. Later on the same day ( XX/XX/XXXX ) I received a call from a manager named XXXX at Citizens who confirmed they had an issue with the account opening which resulting in the promotion not being recognized. When asked why the bonus payment would not be applied sooner, XXXX stated " marketing only makes the payments one day a week. '' This is a clear sign of systematic fraud by Citizens Bank to renege on their advertised offerings and to delay longer any resolution of their reneging once brought to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Why is Equifax and XXXX XXXX so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account to XXXX XXXX  XXXX is Not Mine My credit report is affecting me a lot

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 2021-07-06 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 am sending to you the request to remove the accounts which are not mine. I do not know these accounts and I do not recognize them at all. I have no idea how they appeared in my profile. So Delete them please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: N.A.R., Inc.
State: GA

Complaint narrative:
This account was opened fraudulent to XXXX. I advised XXXX  also sent police report and FTC report and the account was not removed. 

NORTH AMERICAN RECOVERY Original creditor : XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am also beginning the process to file a civil suit because I have sent letters and certified them to experian about the inquiry about seven months ago by XXXX  XXXX XXXX. I never authorized the inquiry. 
I have been refused any and all supporting documentation so that I can find the cause of the inquiry. 
I have been refused the IP address of the computer used. 
I have been refused a copy of the application

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 2021-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: TN

Complaint narrative:
On XX/XX/2021, I discovered that my child support card issued by the State of Tennessee was missing from my wallet. Immediately after discovering the loss, there were several unauthorized charges totalling {$3100.00} to my child support card. The card was a Mastercard.. I immediately called the fraud services line and reported the theft of the card and the unauthorized charges. I promptly filled out the report form provided by the card issuer and despite writing a followup letter and a subsquent letter from my attorney, have gotten no response from the card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have perfect credit but a collection has showed up. I contacted the company and I didnt get much but it being a medical bill. It very much doesnt sound like 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 2021-07-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car. 

This issue has been corrected on XXXX  and XXXX  with no issues and equifax has failed to correct it or even attempt to correct it as they stated they would. I only have and only ever had one account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Myself, My brother, My sister-in-law, My step-father, and mother received a voicemail from an " unknown '' number stating the following : XXXX XXXX is calling regarding a legal document she's is supposed to serve and have me sign tomorrow between XXXX and XXXX and if she didn't obtain a signature I would be marked on the document as failure to comply and the process will continue without me. The Phone number is ( XXXX ) XXXX. 

When I called the phone number back, an " XXXX XXXX '' answered the phone and told me that if I didn't set up a payment arrangement to handle an old debt with Capital One from XXXX, that I would be served for a civil litigation tomorrow. I asked for something in writing as I don't have this debt on my credit report and have not received any thing in the mail regarding this matter ever and she told me that I could not receive anything in writing unless I set up a payment arrangement. the more I questioned her the more she argued with me and said " have fun in court '' and it eventually got to the point of her hanging up. when I called back she answered the phone with a different name and eventually blocked my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is my third complaint to you. Each time I put in a complaint it comes back with answer that is not helping. They answer with a generic response and no willingness to cooperate whatsoever.

1- We were given a modification that was higher than the initial trial payments making it very difficult to pay.

2 - I was given covid relief during the 7 months in question after the modification which they will not acknowledge.

3 - They have added on extra interest that my modification does not call for and refuse to deal with this in a humane way.

4 - They have gone against the foreclosure rules of the state of California and Federal government and are threatening to foreclose my house.

5 - I have asked for a complete 5 year accounting of all debits and credits and I have never received it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I began my dispute process with on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to Experian, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to Experian dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. USPS tracking shows my document was delivered on XX/XX/2021. It has been over a month and I have yet to receive any response from Experian regarding the results of their investigation. Experian 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that XX/XX/XXXXshould have handled much sooner.

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 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc Collection Agency has been sending harassing mailers to my home. In one particular event the company is representing XXXX XXXX for an erroneous debt that was handled with XXXX XXXX directly. The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. The FDCPA also says debt collectors can't use false, deceptive, or misleading practices. Here in Florida the Florida Consumer Collection Practices Act ( FCCPA ) prohibits both debt collectors and creditors from using certain types of abusive, deceptive, and misleading debt collection tactics. This includes misrepresentations about the debt, including the amount owed. 

I believe that Transworld Systems Inc Collection Agency my be in violation of both FDCPA and FCCPA. I am politely requesting that you cease and desist immediately before I seek legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account numberXXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account XXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.

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 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: GA

Complaint narrative:
when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a letter last year stating that a card was opened in my name and there was a {$280.00} balance. I knew this wasn't mine and wrote a letter requesting a list of charges. All of the activity was in Arizona. I do not live in Arizona and I have never been there. During this same time, another account opened in my name as a result of fraud, fortunately I was able to successfully dispute it. 

Looking into the account, I realized that I was not contacted until almost a year after it was opened. I contacted the debt collector and did not get far with them. During the phone call they could not identify me. They asked or my current and past addresses, as well as my phone number. No of my addresses matched what they had on file and they stated they were unable to help me because they could not verify my identity. 

A couple of weeks ago I tried to dispute using XXXX and they disagreed. 

I received a letter with an offer of paying {$160.00}, which is not a lot. However, I do not wish to pay and they consider the payment is me admitting that this is my debt. I have exceptional payment history for my other accounts and this makes my account look bad because its a collection and shows up as multiple late 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 non-monetary relief