vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP.
State: MA

Complaint narrative:
I defaulted on an auto loan with XXXX XXXX XX/XX/XXXX, XXXX claimed it was sold to them, then Main Street Acquisition claimed they purchased the debt. In XXXX XXXX, Main Street was compelled to delete its account from my credit report because they could not produce a valid assignment and/or proof they had the right to collect the debt. Immediately after Main Street deleted its account, XXXX XXXX XXXX began reporting the same debt claiming title to the same. 

By certified mail dated XXXX XXXX I demanded verification of ownership and the right to collect the debt. On XXXX XXXX, XXXX XXXX XXXX produced a copy of the original paperwork from XXXX, but no copies of any assignments or any other document substantiating, proving or evidencing their right to collect or report the debt to the collection agency. In addition, they are purposely omitting the last payment date information to the credit agency to make the debt appear recent when in fact the statute of limitation ran out on XX/XX/XXXX I consider the omission to be a fraudulent misrepresentation of the legal status of the debt in violation of the Fair Debt Collection Practices Act 15 USC 1692e ( 2 ) AFinally, XXXX XXXX XXXX 's attempt to brush off the verification of title ownership by merely providing copies of the original contract is clearly unresponsive to my request for verification of their alleged rights to collect or report the debt. If they are not able to produce evidence ( not a self serving statement ), actual documented evidence of an assignment, transfer or sale establishing a chain of title back to the original creditor, I demand deletion of their reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I called Hyundai Motor Finance to make a payment over the phone since they are unable to take my payment online due to an issue on their end. While speaking with the agent, I informed her that I wanted to make my normal monthly payment of {$230.00}. She took the payment and waived the {$7.00} processing fee due to the issue I was facing online. However, she submitted XXXX payments back-to-back. XXXX for {$230.00} and XXXX for {$230.00}. I NEVER authorized a payment for {$230.00}. I checked my XXXX account this morning and saw the XXXX payments taken out which prompted me to call Hyundai Motor Finance. The gentleman I spoke with said he did not know why the previous rep took XXXX payments but offered to refund me the {$230.00} payment which would take approximately 20 days to receive. I explained that I never authorized the payment for {$230.00} so wanted that XXXX to be refunded. He said he could not because he ca n't refund service fees. I never authorized the {$230.00} payment or the processing/service charge, yet Hyundai Motor Finance refuses to refund that payment. This is highly concerning as I feel I was lied to and their negligence is only costing me my hard earned money. Please contact me so I can have Hyundai Motor Finance investigated for this. I also had an issue during the initial call when I asked them to waive a late fee due to their system issues and they refused. This needs to stop and they need to be penalized for these types of issues. I am a customer of several other financial institutions and have never had these types of issues anywhere else.

Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Hunt & Henriques
State: CA

Complaint narrative:
Good day. I reside in So XXXX and I have a civil court judgement for a defaulted credit card. This dates back to approx. XXXX. In XXXX the plaintiff attempted to levy my savings accnt at my credit union. I rec 'd guidance from the court 's self help clinic and submitted a claim of exemption stating my only income was from Social Security XXXX, VA benefits, and Gov't Pension, via direct deposit. The judge granted my exemption. I elected to have an additional credit union closer to home and had the VA benefits and Gov't Pension direct deposited there for convenience. Now, approx. 16 months later I receive a letter from the new credit union stating my entire accnt is frozen to satisfy a civil court judgement. I went down to them and explained my income in this accnt is protected from a civil judgement. I said there is no commingling of funds in my accounts. They stated they did not care and were going to follow the sheriff 's levy document. I stated they know where my income comes from as it is stated on the monthly statements. I stated, I believed they were violating Federal Law and state reg 's ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). I finalized my brief meeting by stating that because of their reluctance to follow the law I am currently suffering damages that the credit union may be responsible for. 
I have since filled out the proper doc 's ( Claim Of Exemption and Financial Statement ) and submitted to the sheriff 's levy office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I Have always paid my Hyundai Motor Finance payment as agreed. Due to a combination of bank errors, Hyundai Motor Finance not updating my account info as requested and failing to have a system in place to collect payments after items were incorrectly returned NSF due to bank error, Hyundai Motor Finance is now falsely reporting my account as past due from XX/XX/2013-XX/XX/2013. On XXXX XXXX, 2013 I paid my account with good and collected funds in my bank account but my bank mistakenly returned the payment NSF ( as evidenced by the attachment ). I was n't made aware of that at any time by XXXX until XXXX of 2013, at which time I immediately paid the amount owed in full. There was also a bank error in the summer of 2013 when a wire that was sent to my account was returned due to an extra number being added to the account number. It happened on the exact day I made a payment to XXXX ( as evidenced by the attachment ). Again, I was n't made aware of this at any time by XXXX until XXXX of 2013 as XXXX had failed to update my contact info. I have written to XXXX on more than XXXX occasion. ( sent certified mail yet they claim they did n't receive ) asking them to correct my info on my credit report. XXXX has refused to correct my account info and has given me incorrect and false information regarding my account. Other than this approximate 6 month stretch when the bank returned a check I had sufficient funds on, I have had no late payments of any kind in the past 6 years. XXXX is also profiting from a flaw in their system by charging me late fees on payments that could n't be accepted by them after my boyfriend discovered the banking error XX/XX/2013 while I was in XXXX and he tried to make payments over the phone. Their system would n't allow the customer service representative to over ride the system because of the past NSF 's. Although XXXX 's customer service representative had indicated to him that he DID over ride the system and that the payment had been made when in fact it did n't. This exasperated the problem and has caused my credit report to show additional late payments to XXXX. XXXX profited financially by charging me late fees they did n't deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
My complaint is with Hyundai Finance. I had leased a XXXX XXXX XXXX from XXXX XXXX and turned it back in to them in XXXX, XXXX. Hyundai finance continued to bill me for the payments and turned me into a collection agency afterwards. After contacting both the dealership and the finance company where they both admitted their mistake, my credit score has not been corrected. It went from XXXX down to XXXX. I 've always had excellent credit and pride myself in that! Please help me solve this.

Company response to consumer: Closed
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hunt & Henriques
State: CA

Complaint narrative:
The Law Firm of Hunt & Henriques have continue to harass me about a Debt that I do n't owe. They claim it was a judgement againt me since noted has been more that 10years old. I have notified them to cease and desist but they continue and it is causing me undue stress. I am in the process of hiring an attorney to exercise my rights undr the FDCA with fines for this unscrupolous harassment. I need this law Firm -Debt collection investigated and fined because they are violating the law. I never had any contractual agreement with this law firm. I am on XXXX and what this firm is doing is an attempt to take advantage of people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Critical Resolution Mediation LLC
State: MO

Complaint narrative:
CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company

Company response to consumer: Closed
Consumer complaint received 2017-02-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Hyundai Theft of {$370.00} Hyundai Acct # XXXX Tell my Story First, I am a XXXX on a SSA small fixed income that gets to me on the first week of each month on a date from XXXX to the XXXX. My XXXX XXXX was picked up/delivered on XXXX XXXX but Hyundai required my lease date to be back to a XXXX due date for payments, not for when I started or made my first payments on this car. For about 1 1/2 years Hyundai Motor Finance harassed me routinely that by mail my payments were getting to them beyond their purposely shortened due date and grace period which was unchangeable on the XXXX of each month. This then caused me to mail checks to them early than the XXXX and without coverage money in the bank. They seemed to say pay on time or they would hurt my very good credit rating. So I wrote checks to them BEFORE the money was in my checking account. 

I constantly requested to them by mail to consider a longer GRACE period for me extending the due date in their programming that was causing all this harassment. They did nothing but harass me more. NOW in XXXX I saved enough money to make my {$180.00} monthly payments fully funded, early and get there faster thru banking AUTOMATIC payments that according to XXXX XXXX took only XXXXXXXX days to get to Hyundai in Texas. So if I could determine how long this would take automatically so it got there by any months XXXX date. I would go automatically by computer transfer. 

Because of Hyundai continuous harassment up to this automatic change I had to change the send date 3 times before anything was suppose to happen. Instead it ( XXXX ) was factually sent 3 times to Hyundai on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX ( bank records are available ) or 3 times XXXX. It should be obvious to anyone that only XXXX {$180.00} would pay my each month payments but not Hyundai they now claim they felt these XXXX close date payments by me was wanted for advance payment ( that is the thinking of pure incompetence ) so they rolled this in to the months lease payment rather than questioning me or mailing it back to me. STEALING was a lot easier to do and then to continue their harassment of my fixed government income. They now totally REFUSE to pay back this stolen {$370.00}

Company response to consumer: Closed
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
About a year ago I went in to make a payment. The young lady that took my payment, and gave me a receipt. Now I have to mention, that I have been having some things happen unexpectedly that caused me to be late. 
I just submitted a payment on XX/XX/XXXX. I am being told that I did not make a payment XX/XX/XXXX. I personally took the payment in, however I ca n't find my receipt. I went 2 months back to back to get a car, when asked for my 10 day payoff, it was different. The amount went up {$200.00}. The salesperson even asked what kind of loan is this. The more I pay the higher my balance. I 'm starting to feel being that this happened before with my payment, that I 'm being scammed. The 1st lady that did it no longer works there, now the same thing with this young man. I spoke to this guy XXXX several times on the phone, yet I 'm being told that there are no notes on my account showing that I spoke to him. I even spoke to XXXX a word also is no longer there. At the time that I made the payment my foot was injured and I could n't drive, so I had someone drive there. Therefore I have a witness that it was paid. I just ca n't find my receipt and I 'm being told that they ca n't do anything without it, which I clearly understand, however I have a witness that watched me pay.

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 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: MS

Complaint narrative:
We refinanced our home loan and have been paying monthly on time. The mortgage company did n't end the original loan and they keep sending us default letters and are reporting it on our credit report that we are in default. We have called the mortgage company 4 times, every time we get a loan default letter. They keep telling us the same things that the computer is spitting out these letters and making excuses. We ca n't get the mortgage company to make the status of the past loan paid off like it should be, instead they are reporting it every month as defaulted. We have XXXX mortgages on our credit report, XXXX we are paying on and XXXX that we are in default and should have been paid off. They are hurting our credit score by reporting a loan we no longer have and that it is in default. We are afraid that they will start the process of repossession on this loan that we do n't have anymore. What can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have this debt on my credit report from an apartment complex. I believe the apartment management team wrongfully inflated the closing costs when I had an emergency and had to move. They have not sent me proper documentation to dispute the debt. They also kept my security deposit and pet fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Sa-Vit Enterprises, Inc.
State: PR

Complaint narrative:
the company attempted to collect UNEMPLOYMENT insurance benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
I received a RUSHCARD in the mail this week. I did not apply for the card. I 've tried contacting the folks at Rushcard XXXX and they insist they ca n't close the account unless I provide my date of birth, social security number and Email address. I refuse to give them this information. I will only release my full name and the card number. How do I get them to close my account without providing privacy act information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSI Enterprises, Inc.
State: VA

Complaint narrative:
On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
Its been 10 days and counting that Rushcard left me with no access to my account. To make it worse the put my direct deposit into a card that was reported stole three years ago. I went to pay my bills and everything was rejected, My car ins cancelled. MY car pmt is due soon. MY cell phone is about to shut down and that not all I have no money and the gas in my car will last probably 2 more days. I believe that this company was hacked and they are lying about the accounts being fixed. I computer glitch does not take 2 weeks. Customer service number keep hanging up. I was following twitter to see what is going on. Rushcard says if you send a direct message that someone will call. I did that 3 days ago. 2 days I get a text saying someone from rushcard will contact me shortly. I have not heard anything. They keep posting that the problem is fixed, but I 'm still locked out of my account. I lost XXXX paycheck and money I had saved. I managed to changed my direct deposit to another account, but they are holding a lot of money, that no one know when it will appear. 
they also saying that he lost the money in investments, that rushcard is about to close and that in a couple of months we will receive all our money in a form of a check. I wanted to go to school in XX/XX/XXXX and I needed to hold my seat before the end of this week. Well that is not going to happened. I gon na miss out on going to school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: WA

Complaint narrative:
My medical bill at XXXX XXXX Hospital was paid to the caregiver by my insurer but the hospital mistakenly reported the bill as unpaid and sent it to collections at Gold Key Credit, who refuse to remove this incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: CT

Complaint narrative:
I have been calling to dispute this debt because I do not owe it. I 've spoken to several agents and they noticed I had insurance on the date of service but they will not remove this debt. It is on my credit report and I 'd like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SCOTTRADE BANK
State: MO

Complaint narrative:
Bank XXXX XXXX sent the payoff on XXXX trucks to Blvd Bank, XXXX XXXX Loan Operations Department, on XX/XX/XXXXThe Cashier 's Check was cashed on XX/XX/XXXXBank of XXXX nor I received a lien release on my XX/XX/XXXX Chevy XXXX. When inquiry was made to XXXX XXXX Loan Operations area, they stated they are waiting for the file??? 
This truck was paid off XXXX days ago with a Cashier 's Check. There is no reason the lien release should not be sent out. I do not understand a bank operations area that can be that dysfunctional. This is totally unacceptable financial practice for a financial institution. Where is the fiscal responsibility?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: NC

Complaint narrative:
Neighborhood Association ( through NRA Collections, XXXX, PA ) attempting to bill for illegal, arbitrary, and excessive debts, without due process and verification of authority -- that is, no covenants and restrictions at this association, as they expired in 1990, confirmed by XXXX XXXX XXXX, XXXX County NC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: OH

Complaint narrative:
This complaint involves my previous issue with Scottrade Bank and the transactions from XXXX. What is it going to take for you people to wake up??? XXXX stole my money, plain and simple. This " company '' is not even allowed to do business in the U.S. or with any U.S. citizens. That, in itself, is enough to make these transactions null and void. Contact the SEC and the CFTC and they will tell you the same! I 'm sure you have their numbers.

Company response to consumer: Closed with explanation