vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: NJ

Complaint narrative:
My husband XXXX XXXX and I ( XXXX XXXX ) purchased a new car from Action Hyundai XXXX NJ in XX/XX/XXXX We took out a {$1000.00} loan on the car and paid the rest in cash. We only took the loan because they gave us a {$1000.00} rebate on the car for taking out a loan. We paid the loan off in XX/XX/XXXX. It is now XX/XX/XXXX and we do not have title for our car. I have contacted them numerous times. They said they sent the title to us in XX/XX/XXXX but we never received it. They said they sent the title to XXXX XXXX XXXX XXXX ( XXXX XXXX was left off the address ) which is why I think we didn't get it assuming that they did send it. They refuse to get us a replacment title. When you pay your car off, you expect to get the title. They did send a letter saying we paid off the loan. The address should have been complete on the title so unsure why they left a key part of our address off the mailing address when they mailed it. 

The car was financed through Hyundai Motor Finance. I see numerous complaints on the internet about customers can't get their titles. 

Beware of financing through Hyundai Motor Finance.

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 2022-02-23 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: NC

Complaint narrative:
This information is fradrglent and does not belong on my credit report. This information should be removed from my credit file. Any information used in your investigation should be sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, has 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been reporting these accounts XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, Experian, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022

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 2022-02-23 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This information is fradrglent and does not belong on my credit report. This information should be removed from my credit file. Any information used in your investigation should be sent to me via mail.

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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to reach the claims/ fraud department for over 5 business days with no luck. I have fraud claims that were denied. I have tried to appeal said denials with no luck. I was told to contact fraud department by, however, I was not able to connect due to long hold times in excess of 1 hour. Today I was told that the correct department is claims which is only opened XXXX XXXX hours. Not being able to get a resolution I asked Bank of America reps what regulatory agency I could complain too and was told none, just their corporate office. Bank of America is breaking the law by stating that they are not regulated by any outside agency such as the CFPB. They are making it difficult for me to speak to claims and the purposely lie. I have filed a complaint with Bank of America, however, I dont believe anything will be looked into. Their staff is ill trained, lies. Anyone that has access to my account and can speak to me about met account needs to be trained in the laws associated with my account. For them to tell me they are not regulated by any federal agency means they are being malicious. They need rot be fined. I need my claim matter dealt with hold times of XXXX hour + are not acceptable. Them breaking the law is not acceptable.

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 monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On ( XXXX ) : XXXX XXXX I transferred some XXXX from XXXX to Coinbase. XXXX is usually and instant transfer. But I still have not received it. I contacted Coinbase through their online chat/email/ and phone and no one would help me or tell me why they were withholding my funds. Only that they will get back to me in 2 weeks. I asked many times why this was happening but was completely ignored. 

Support ticket number : Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: OR

Complaint narrative:
Argon collection in I believe XXXX XXXX NV. Won't stop calling from different numbers I keeps blocking them and a new number. I've asked them repeatedly to stop calling. When they call they will not tell me which company there even attempting to collect for, they just keep saying verify your birthdate and ssn it sounds like a scam. I've worked XXXX party collection and have studied they FDCPA for years they are representing them self in a shady unprofessional way. I have a current credit report my accounts are all clear or closed my debt is not effecting my credit. They have threatened my credit score and won't even tell me for which company there attempting to collect for unless I blindly give them all my vituals. I'm over it they should be fined and out of business.

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 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX USA INQUIRXXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX XXXX XXXX, MD XXXX, Delete any other addresses listed that should not be on my report effectively immediately. But if XXXX XXXXXXXX XXXX  USA ; XXXX XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXXE ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX XXXX, XXXX able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to this matter.

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights and committed aggravated identity theft on me. 18 U.S. Code 1028A To be clear, I, XXXX XXXX, have NEVER signed any agreements whatsoever with AmsherCollectionServices, So I am reporting them for aggravated identity theft and I am demanding them to DELETE COLLECTIONS OFF MY CONSUMER CREDIT REPORTS TO ALL CREDIT REPORTING AGENCIES. please CFPB, understand I, XXXX XXXX, never signed any agreements whatsoever with this company. This breaks my heart to know that this company has committed aggravated identity theft on me, an violated my consumer rights. This refer to Federal 18 U.S. Code 1028A aggravated identity theft is a violation to my consumer rights. I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights. 18 U.S. Code 1028A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX all for {$150.00}. 

XXXX XXXX of XXXX FL, continued to bill our credit card for a hockey league that my grandson, XXXX XXXX, he has not played in that league since XXXX. of XXXX.I have contacted XXXX XXXX and they will not return my phone calls. They gave us some rigamoral about changing their billing system and that they do not have those charges in their system. 

I have contacted Discover card on 8 different occasions, they said they did not get my documentation which. I mailed on XX/XX/2022. They can not contact the vendor so they have decided to settle in the vendors favor. 

When XXXX at XXXX XXXX said I don't show those payments I said to her, well I have been charged for over a year, and someone at XXXX XXXX is getting that money, she said she would have to look into it, and will not take my calls nor will she get back to me. 

It is over {$2000.00} and I am getting no help from Discover or the vendor. I need help recovering my money, which they never provided a service for, they also know they didn't provide that service due to COVID Discover Card can see all the automatic payment that are being disputed in their system sinceXXXX, it was the XXXX of every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NC

Complaint narrative:
I am having an issue with XXXX reporting a charge card to my XXXX credit saying I am behind on an amount. I did previously have XXXX and as I stated to them they can see I paid everything on time. However, my phone was stolen and the person accessed many of my accounts including XXXX  and charged almost {$4000.00} dollars to my account! I had to contact my bank and close my accounts, I reached out to XXXX and explained the situation to them. They insisted there was nothing they could do but to reach out to the companys. Even with a police report they refused to help me with the account and the companys refused and sent me to XXXX. Ive reached out numerous times with no help. To the point theyve ignored my attempts. I disputed with equifax and XXXX and the accounts were removed. However XXXX refuses to remove it. Even with all the information Ive provided. Its ridiculous I had fraud happen and yet being penalized because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have not received a complete 2021 Mortgage Interest Statement from PNC Bank. I had my mortgage with BBVA but unfortunately PNC acquired this bank. I received a statement from PNC that only covers the 3 months since the acquisition to year end. In the bottom part of the statement it says that if my mortgage was acquired by PNC in 2021 I would receive an additional year end statement from your previous servicer. ( See Attached copy of PNC statement. ) NEVER RECEIVED this additional statement. I called PNC 2 weeks ago. They told me two statements were sent, and if I just got one the other one was lost by the USPS. They also said that they could not give me a copy of the additional statement because they were still being scanned and uploaded to their system. They asked me to wait for the mail and if I didnt receive it to call again. I called today and received a TOTALLY DIFFERENT explanation. I was told that I was not supposed to get two statements but just one. This is in contradiction to what the official PNC statement said and also in contradiction to what PNC told me on the phone. I was told that they had to issue a correction so I can receive one consolidated statement. They said this could take up to 2 weeks. THIS IS UNACCEPTABLE. I have not been able to turn my tax material to my accountant because I am waiting on PNC. This bank either lying to customers or has not procedures. What is undisputed is that they are not complying with the deadline to submit these statements by XX/XX/XXXX. It is now way past the deadline and I have not received a complete statement. This is not the first complaint I file against PNC. Early after the acquisition they withdrew money from my account without consent and refused to wired it back until the CFPB got involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I was viewing my credit score and report through the XXXX credit card website. The report is provided by Experian. There were two items I wanted information about so that I could look into dates and whether they were valid or if they could be disputed. I called Experian and I requested either that particular information or a detailed copy of my credit report in order to view it. The woman that took my call stated that I would need to purchase a membership in order to obtain that information. I was very surprised as I know that under federal law I am entitled to one annually and I have not ever requested one from Experian. As I continued to inquire about why I would need to pay them to access some thing I was federally entitled to, she put me on mute and left me there. About 10 minutes later she came back on the line and said she had been listening the whole time. During this time I pulled up the Experian website and read not only a banner across the top stating that Experian was providing free weekly reports to consumers through XX/XX/2022, there is also an area at the top of the first paragraph discussing the federal right to an annual copy. I read it for her Word for Word and she just kept me muted and did not answer any questions. I asked her if I was wrong and she refused to answer. I asked her how these practices were not considered predatory. She did not answer. I asked her if she made commission when she sold people memberships for ( their own ) information they were federally entitled to and she did not answer. Eventually I very rudely hung up on her. I hope the whole call was recorded.

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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: MI

Complaint narrative:
SoFi has locked my money account due to supposed " fraudulent activity '' on XXXX after I phoned in to simply add my SoFi credit card to XXXX XXXX. They had my old phone number on file with the credit card after I updated my SoFi profile with a new phone number so the customer service agent had to contact their security to see why the account wasn't updated after I changed the number via the app. 

They locked my account that following morning. Not my credit card but my MONEY account with all my finances. I called the number they provided for inquiries, but you're only allowed to leave a voice mail. 

I called the account customer support to speak to a human, and they told me I simply have to wait for one of their security team members to call me. Meanwhile all my money is frozen. I asked her if I was not supposed to be able to buy food or eat and she replied, " yes sorry for the inconvenience. '' A complete joke of a company. Do NOT give them any of your money. They can lock it and essentially steal it from you for literally any reason then not allow you to speak to anyone. The only " fraud '' protection you need is from SoFi themselves.

Company response to consumer: Closed with explanation