vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had planned to pay off my lease to buy my car. The first week of XX/XX/2022, I called Hyundai Motor Finance to obtain information regarding lease pay off. I was told to send a cashier 's check by mail and to submit an odometer disclosure statement. The form had to be approved to be sent to me via email and would take up to four days to receive that email. I never received that email containing the form. After much searching, I was able to find an odometer disclosure statement form online. I printed it and faxed it to them XX/XX/2022. Also on XX/XX/2022, I sent a cashier 's check for the balance of my lease via registered mail. That check arrived on XX/XX/2022 and was cashed on XX/XX/2022. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the processing of my paperwork. I talked to a young man named XXXX who told me the title was in the mail and I should receive it by the end of the week. The title never arrived. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the title again. I talked to a woman named XXXX. She told me that the odometer disclosure statement form I had faxed was invalid because I had checked a box on the form that I wasn't supposed to check. i asked why I hadn't been informed of that issue. She apologized and told me she would expedite my paperwork. XXXX said she would ask for approval for another odometer disclosure statement form to be emailed to me and it would take four days to receive. I asked if I could fax another form to her. She said no because she couldn't expedite the process from a fax. I have not received the email with the form as of today, 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 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
saw on my credit report I owed Resurgent Capital Services for XXXX XXXX  ( XXXX  XXXX ) credit card. Contacted company and spoke to XXXX XXXX who I told I had already paid this debt thru previous debt collect XXXX and XXXX, but tried to contact them and she informed me they went out of business but that she would resolve. Today I got a letter stating I owe XXXX to Resurgent on behalf of XXXX XXXX XXXX for the XXXX XXXX account that has been paid. I called and they said they were closed for the holiday ( it is XX/XX/XXXX ), left a message. I have the original paperwork that XXXX and XXXX sent me that they seeked a judgemnt thru XXXX XXXX court and my wages were garnished for the full amount of the debt showing on their paperwork. Now this new letter shows a different amount owed and since XXXX & XXXX went out of business or was shut down, I do not know how to prove this other than through my pay stubs which aside from the garnishment amount, I do not want to give them personal bank acct info- I need to know how to get this OFF my credit report as paid. It should be Resurgents responsibility to verify this debt, not me jump thru hoops showing it has been paid. this was done in XXXX per attachments, total garnished matches the paperwork for garnishment from lvnv

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management is attempting to collect on an alleged debt that i have no knowledge of. I never received a written notice to dispute or request validation of this alleged debt prior to XXXX  reporting this invalid information to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Opened a Capital One 360 Checking account XX/XX/XXXX - Had 2 {$500.00} direct deposits process into the account & have not received {$250.00} bonus - Capital one did not report the {$1.00} balance I have as well. 

I have been told my " bonus '' would process by XX/XX/2022 -at most other banks these types of bonuses are processed within 30-60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist bank ( XXXX, NC ) is a terrible company with unhelpful people at every turn. It took over 10 hours on the phone to deal with this last time. They have an escrow account and made me pay for property insurance that I already had. We have told them that we have insurance from XXXX repeatedly ; they have our account number and all of the information needed. We finally got them to refund money that was taken away via the escrow account. 

NOW ON MY XXXX BILL I FIND THAT THERE IS AN ESCROW AMOUNT DEDUCTED FOR INSURANCE. That was the whole point of my MANY HOUR PROCESS TO GET THIS REMOVED!!!!. Why oh why can't they handle this. They KNOW MY INSURANCE COMPANY AND POLICY NUMBER AND HAVE HAD DOZENS OF PHONE CALLS WITH ME ABOUT THIS. REMOVE THE ESCROW AMOUNT ON MY BILL.

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 2022-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-08-13 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: FL

Complaint narrative:
I have applied for credit twice, But loan officer aren't being transparent.. When I've asked which Agency they pull from.. They lead me to believe only one they pull, I real time it ends up being two agencies..

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 2022-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a general ongoing, repetitive problem with the Bank of America and California XXXX benefit payments. My unemployment benefits began in late XXXX and are deposited into a BoA account for debit card use. EVERY deposit was " transferred '' out almost immediately by " Bank of America '' as transaction name on ledger. I have called them XXXX times, and got XXXX transfers re-deposited. Those calls lasted XXXX hours, I had each time to speak with XXXX reps XXXX of whom for verification of my ID -- this after first rep would ask me security questions like " who is your favorite XXXX? '' as though I had submitted an answer to that question ( I had answered security questions but not that one ). Eventually my debit card was cancelled on those calls and new one sent by mail XXXX days later. So far XXXX different debit cards in past XXXX weeks! 

The ID verification process also had me going to BoA branches. 3 times with IDs -- passport, DL and SS cards. Each time there were others at the bank with same problems. Each trip to bank takes XXXX hours round trip and XXXX minute waits at banks. 

The first few " transfers '' were redeposited in a few days but the last XXXX on XXXX for {$810.00} has not been. This emptied the account ( as did the others ). I called back on the XXXX and was told their investigation would take between XXXX days! So I have no unemployment benefits min meantime. 

I put a complaint in to XXXX also but by email and a response is pending. This whole thing does not feel like fraud as much as BoA incompetence and consumer/citizen abuse! 

Note I do not have access to unemployment benefits for almost XXXX weeks.

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 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received an email on XX/XX/XXXX saying that my application for my credit card with Bank of America has been approved and theyll be sending me my card in 7 to 10 business days. I never applied for another credit card, especially not with Bank of America. I immediately called Bank of America and they said that someone applied using my social security number. I immediately I had them cancel the account and send me a copy of the cancellation and application in the mail which I have not yet received. They advised me to file a complaint with the credit bureau as my social has clearly been compromised. There were no charges meet on said account as I caught it immediately. I still have no idea who open the account and how. I then got a notification from my banking system, XXXX saying that there was an inquiry on my credit report from Bank of America.

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 2022-08-13 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: Mobiloans, LLC
State: FL

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and XXXX XXXX XXXX {$1200.00}. 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Untimely response
Consumer complaint received 2022-08-13 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Im accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and ACCOUNT RESOLUTION SERVICES {$1200.00}. 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 a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX accordance with the fair credit reporting act CAPITOL ONE late payments and XXXX XXXX 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 XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement with The XXXX Law Firm in regards to Cause No. XXXX ; American Express National Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

XXXX. XXXX XXXX XXXX claims to represent American Express in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 

XXXX. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 

XXXX. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection XXXX ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

XXXX. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection XXXX ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

XXXX. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, XXXX of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 

XXXX. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) XXXX. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 

XXXX. On XX/XX/XXXX, I sent a request for validation to XXXX XXXX, XXXX who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to XXXX XXXX, XXXX who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from XXXX XXXX, XXXX or The XXXX XXXX to any of my attempts to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The problem is summed up mostly in the communication I sent to Chase, issuer of the card : " I am writing regarding a dispute of the above charge that was originally filed on or around XX/XX/XXXX. Chase responded with a letter on XX/XX/XXXX, stating that the charge was valid, but I called Chase on or around XX/XX/XXXX, to renew the dispute and explain that Chase had been given incorrect information by XXXX in its effort to sustain the charge. Thus, I am writing you now. When I made the XXXX booking on XX/XX/XXXX, the following flights with the following times were confirmed : Sunday, XXXX XXXX, XXXX XXXX ( XXXX ) ( TN ) XXXX XXXX XXXX XXXX Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ( TN XXXX XXXX XXXX XXXX These flight times were acceptable to me. However, on or around XX/XX/XXXXXXXX XXXX  unilterally and without my consent, changed the departure time at XXXX on XX/XX/XXXX from XXXX to XXXX, and the departure time from XXXX on XX/XX/XXXX from XXXX to XXXX. These time changes made both flights totally impossible for me and my family to use. Therefore, we did not fly on these flights. 

The Department of Transportation has indicated that consumers are entitled to a refund if there is a significant schedule change. Both changes were clearly significant schedule changes as they involved hours difference on both flights. Therefore, we can conclude that XXXX and I contracted for XXXX flights at a certain schedule, and then changed the departure times of both significantly. My family and I then became unable to use those flights because of XXXX schedule change, and in fact, did not use the changed flights. Therefore, a refund should be issued. Thank you for your attention to this matter. '' After receiving this communication, Chase refused to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal has violated the Fair Credit Billing Act and the Truth in Lending 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 2022-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
I never received a bill by XXXX XXXX and XXXX is trying to collect money I was never aware I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore ONEMAIN FINANCIAL was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, ONEMAIN FINANCIAL has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : ONEMAIN FINANCIAL Alleged Account Number : XXXX Alleged Debt : {$0.00} Alleged Date Opened : XX/XX/2016 Alleged Date Closed : XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) XXXX ( c ) ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief