vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews Law Firm, PLLC
State: KY

Complaint narrative:
I was making payments to a creditor on a consumer loan and I was having some financial hardships. I received a summons that I didnt understand.I had no court date on the summons so I contacted the creditor. There is nothing in writing, but over the phone XXXX XXXX led me to believe that I was safe from legal actions and I could resume payment over the phone and monthly payments were approved to be debited from my account as one time payments. Therefore, each month XXXX XXXX XXXX would call my cell phone and I would authorize a one time payment in the amount of {$65.00} and {$100.00} and {$110.00} and {$76.00} I have proof of all payments on statements from XXXX XXXX. I have receipts stating our conversation dates that took place for the authorization of these transactions.The creditor never informed me that it was actually in collections in any of those phone communications or in writing before it occurred. The XXXX was willing to initiate the calls for payment until XXXX of 2021 at that point the communication stopped on their end and I figured it was due to COVID 19 Pandemic. I paid one more payment that was withdrawn in XXXX 2021. In The last week of XX/XX/2021 I received a letter stating that I had a judgement placed against me on XX/XX/2021 for wage garnishment.I tried to look this up on XXXX and it kept showing no matches found. The summons never gave a court date and if there was actually a court date it was not disclosed. The amounts dont match on the two separate documents and I tried to contact both parties and both parties were rude and disrespectful and not willing to agree to any arrangement of partial payments. XXXX told me the whole amount was all they would accept. I feel like they have been deceptive and are hiding a mistake on their part with rude, disrespectful behavior, thinking this will distract me from their deception. I have documentation from them and proof of payments with my bank. Why would the creditor close my account and write it off for bad debt, profit loss before the debt amount and term of XXXX XXXX months had been satisfied? I payed after the account was charged off without any knowledge. The creditor never informed me of the account collection attorney.I was mislead and payments were authorized until XXXX of 2021. At that time communication was ceased on XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-03 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: MT

Complaint narrative:
I leased a vehicle through Hyundai Motor Finance in XXXX. I requested a buyout quote and paid the entire balance of the vehicle via an overnighted cashier 's check on XX/XX/XXXX. This payment was recorded and accepted by Hyundai Motor Finance in XX/XX/XXXX. I requested an update on XX/XX/XXXX to be informed they had not received my odometer statement. I filled out and submitted the form via email on XX/XX/XXXX. 

I requested an update on XX/XX/XXXX, when the representative confirmed receipt of the odometer statement and said the title department would have an update within 5-10 business days. 

Saturday, XX/XX/XXXX I received in the mail another odometer statement. They have already confirmed receipt and have not issued my title in over a 30 days since receipt of payment.

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 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX and my consumer ID number is XXXX, I had a bank of America account that was close XX/XX/2018. my information was reported to XXXX XXXX and now its effecting my ability to obtain other accounts from other business institutions. 
I have contacted Bank of America several times just to fine a solution and move forward, and I can't seem to be getting anywhere, because according to BOA customer rep, they can't give me any information over the phone that i should contact check system. when i did contacted XXXX XXXX, they didn't seem to have any information for me either. so at this point am confuse as to what will be the reason BOA will report anything to XXXX XXXX. 
All am asking of BANK of AMERICA, is to please Let me know what the real issue is so i can fix it and move on or remove what ever information they have on my credit report that is affecting my ability to do other 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 non-monetary relief
Consumer complaint received 2021-10-03 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: NY

Complaint narrative:
I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX  to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.

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 2021-10-03 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: NY

Complaint narrative:
I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual.

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX  XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have an FHA mortgage loan and had my forbearance with Mr. Cooper ( Nationstar Mortgage LLC ) starting in XXXX, XXXX when the COVID-19 pandemic began until the forbearance ended on XX/XX/XXXX. Before my forbearance ended, I had applied for a loan modification on XX/XX/XXXX. My partner and I have submitted every document that Mr. Cooper had requested, such as our 5-Page Hardship Affidavit for FHA Loans , Proof of occupancy/Luxury Bill, Current unemployment award letter for unemployment income that shows the amount, start date, frequency, and duration of the benefit income, 30 Days consecutive paystubs with employer name including year to date deductions and earnings, RMA ( Request for Modification and Affidavit Form ) Or UBAF ( Uniform Borrower Assistance Form ), Most recent SIGNED copy of tax return 1040s including all schedules, and 4506-C Request for Transcript of Tax Return. Mr. Coopers underwriting had received and accepted all of these submitted documents. However, underwriting would continuously accept then reject, and request for the same documents time after time, such as our most recent signed copy of tax return 1040s, including all schedules even after we had already submitted our 4506-C forms for them to request our tax return transcripts directly from the IRS. It is now XX/XX/XXXX and instead of underwriting using the 4506-C forms that they requested for our tax return transcripts, they are still insisting on us submitting the same most recent signed copy of tax return 1040s including all schedules, even though those documents had already been submitted and accepted numerous times. I truly believe that Mr. Cooper is engaging in " dual tracking '' whereby they request documents amid processing a submission for a loan modification while at the same time attempting to push my partner and I through the foreclosure process. Before the COVID-19 pandemic and forbearance, I had always paid my mortgage loan on time and had never defaulted. Your assistance would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
The Company is Ideal Collections this is for a charge off collection for eviction that the amount and collection belong to my ex wife and this was part of the divorce and debt that she was to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I could not remember the password to my Venmo account and so I created a new one to replace the old. 
I did finally gain access to my old account and I was attempting to purchase Bitcoin through Venmo. However, I did not realize that you could not send Bitcoin out of your Venmo balance, so I exchanged it back into USD. 
In this process all Venmo accounts were frozen due to unauthorized activity. The funds in my accounts ( totally {$360.00} ) was unavailable to me until Venmo support could look into the issue. 
It has been nearly a week and a half and I still had not heard from them as to a solution. I sent an email today requesting status of the pending frozen account and I received an email stating they were going to permanently delete all Venmo accounts and the funds in the account would be unavailable to me. They would send an email in the future if the funds were available to transfer out. 

This is unacceptable. I understand that they ask consumers to only have one account, but for them to freeze my accounts and limit the access to my funds and then ultimately prevent me from accessing them at all, is not ok. I hope the CFPB can look into this because Venmo is not treating their customers in the way they should. The funds in the account are mine, not Venmos.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Please tell me all deposits with my name on it that was canceled or refused sent back or anything at Citizens Bank XXXX XXXX XXXX XXXX CT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX email XXXX XXXX Subpart B : Funds Transfers through Fedwire Section 210.25 Authority, purpose, and scope Subpart B sets forth rules governing funds transfers through Fedwire. This section provides that Reserve Banks issue circulars governing the details of its funds-transfer operations.

Sectio

n 210.26 Definitions Defines key terms used in subpart B. Section 210.27 Reliance on
identifying number States that a Reserve Bank may rely on the number in a payment order identifying the intermediary bank, the beneficiary 's bank, or the beneficiary.

Section 210.28 Agreement of sender Provides that a sender authorizes a Reserve Bank to obtain payment for the sender 's payment orders by debiting the sender 's account. Also describes procedures dealing with overdrafts.

Section 210.29 Agreement of receiving bank Provides that a receiving bank receives payment from a Reserve Bank for a payment order through a credit in its account with the Reserve Bank. Also describes some of the responsibilities of off-line banks that serve as intermediaries. 

Section 210.30 Payment orders Describes procedures for the handling of payment orders by Reserve Banks as they relate to the acceptance or rejection of payment orders, the selection of intermediary banks, and the timing of execution.

Section 210.31 Payment by a Federal Reserve Bank to a receiving bank or beneficiary Provides details regarding the timing of payments by Reserve Banks to receiving banks and beneficiaries.

Section 210.32 Federal Reserve Bank liability ; payment of interest Limits the liability of a Reserve Bank in handling a payment order. Also describes the procedures by which a Reserve Bank can pay interest as it relates to fund transfers under the Uniform Commercial Code.

Appendix A Commentary Appendix B Article 4A, Funds transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off my mortgage in XX/XX/2021. I have asked BofA to send me a copy of my mortgage payoff letter and my final escrow account statement. I have not received the final escrow account statement. I want it. BofA just sent me a check with no explanation. I have no way of knowing if it's the correct amount I'm due. See below for correspondence. I tried unsuccessfully to contact BofA. 


Auto Dealer XXXX XX/XX/2021 Thank you for contacting Bank of America XXXX XXXX. We have received your e-mail. 
A member of our team will get back to you within two to five business days. 

We appreciate your business and look forward to serving you, Bank of America XXXX XXXX -- -- - Original Message -- -- - From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX GMT-XXXX Subject : General question about my account >I received an email notification about my mortgage payoff letter. I am unable to access the letter. Please send it to me. Also, how much was in my escrow account, and when will I get that? This is frustrating. I can not view mortgage account history. This doesn't make sense. Does BofA delete its XXXX once that year has passed? No, BofA doesn't. 
Actions : Delete | Reply

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 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a XXXX XXXX and victim of identity fraud. In XXXX my employer informed me that someone collected unemployment in my name. As a result I enrolled in Identity Protection. I have had several XXXX XXXX cards opened in my name as well as a Wells Fargo account. Both banks would not provide contact information on the account and provided limited assistance. I requested a Security Freeze through XXXX XXXX on XXXX. It took a month for Wells Fargo to close this account. Ironically, this week on Thursday XXXX I was again informed by identity protection that someone was again opening three different bank accounts in my name.

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 2021-10-03 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:
I have my bank statements via bank of America edd prepaid n have been goin thru fraud problems since I started receiving payments. After them closing my account for 6 months to investage n came up with no help to y I was missing money they reopened my account n denied my claims so I had my statements mailed to me n I was able to show double charges made within seconds to up to days apart for the exact same amount n again filed claims. After several attempts n trying to get my claims filed I was able to file 5 out of 7 n received payment for one n was denied the rest cuz I was responsible for all the other charges which I asked how n was given no reason to y. So I had to fax over my bank statements I received from them to prove n resubmit my claims. This has been on goin for 2 years now n I'm out almost {$30000.00} plus my time n efforts n hours of work doin their no job. No including the stress n grife n trouble I've had since day one. I have records to prove n letters n emails n statements to back this all up.

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