vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: MD

Complaint narrative:
Hyundai Motor Finance XXXX has failed to provide me with the title to my vehicle after I exercised the purchase option under the lease. 

1. I exercised the lease buyout option in late XXXX, 2021, sending Hyundai the full amount of the buyout. I also mailed them the odometer statement at the same time. 

2. Hyundai acknowledged receipt of my payment and credited my account on XX/XX/2021. 

3. On XX/XX/2021 I called to inquire about the status of my title. Hyundai said they had not received the odometer statement, so I faxed it to them at the number they provided. 

4. On XX/XX/2021, I called to see if they had received the fax. Hyundai said they had not, so I faxed it again to the number they provided. They told me that the title department was " backed up. '' 5. On XX/XX/2021, I again called to inquire about the status of my title. Hyundai again told me they were waiting on the odometer statement. They suggested emailing it, which I did. 

6. Later on XX/XX/2021, I received an email back from the email address I had been given indicating that it was not the correct email address, but that they would forward it to the correct department. When I explained that this was the email address I was given, the reply I received said " I understand and apologize, the change is recent and was made so the lease buyout team can receive emails from external sources. The volume in the titles inbox was beginning to become unmanageable with items we have to forward to internal teams. Customer service is still adjusting to the change. Thank you for your understanding and patience. '' 7. I have followed up with calls every few days since. Hyundai still has not indicated that they have received or processed the odometer statement. 

8. Since I exercised my buyout right, I have moved out of the state where this vehicle was originally registered. I am unable to register or title the vehicle, as I am required to do by law, in my new state of residence without the title. 

9. Hyundai refuses to provide any assistance on this matter. On my calls to customer service they literally tell me " there is nothing we can do. '' I have sent the odometer statement to them four times, three different ways ( and verified receipt ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
on XX/XX/2021, i sent letters to DESIGNED RECIEVABLE SOLUTIONS, INC about some alleged debts of {>= $1,000,000}, and XXXX that i don't owe nor have dealt with them. They are reporting these inaccurate tradelines on my report that is incorrect and damaging me from getting things. I am asking for assistance in this matter for them to send me the proper documentation that i requested on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed bankruptcy in 2017 and all my student loans was included and grated discharge. They need to be removed from my credit report. Ive been fighting this since I filed bankruptcy on them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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:
On XX/XX/2021 my debit card embarrassingly declined a transaction at a restaurant. I called Bank of America to figure out why my card, which was indeed sufficiently funded, had declined. They informed me that the card had been frozen due to unusual transactions. When I asked for details, I was again informed that {$3000.00} dollars was fraudulently withdrawn from ATMs. These transactions place on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. {$1000.00} dollars each day was stolen, which is an automatic limit set up by BOA and EDD. The card was in my possession the entire time. I have documented video footage of me at a XXXX of XXXX celebration during the time of the transaction, it would be impossible for me to have done it. 
The company said that I would receive an expedited form in the mail to help with their investigation. Ive checked the mail each day and have not received it. They confirmed my email and phone number as well, but I have no notifications on those platforms either. 
I am reaching out because I feel that the company isnt taking this fraudulent transaction serious, I was even told that it may take up to 90 days before I can be helped. That {$3000.00} was all of the money that I had, and I am devastated because I dont know how this happened, why the bank wont help, and what I will do for the next 90 days ; which hasnt started since they havent sent me their fraud form.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am enrolled in the Public Student Loan Forgiveness program ( PSLF ). In XX/XX/2021, I submitted a paper ECF because my employer was not listed in the PSLF tool. It is a state agency. On XX/XX/2021, I sent in another ECF using the PSLF tool because my employer was now listed in the tool. The months of XXXX and XX/XX/2021 were certified within a week ( with the same employer! ). The months of XXXX and XX/XX/2021 are not certified because they were sent via paper application. I have 118 payments qualified for forgiveness and 123 in total. The delay in the XXXX and XX/XX/2021 certifications are causing a delay in my forgiveness. 

During the time it has taken for Fedloan and FSA to review my certifications, I have reached two additional payments eligible for certification. I am frustrated and concerned about a delay in my forgiveness due to a bureaucratic and illogical delay in my certification. My concern is increased with the forbearance due to Covid-19 being up in XXXX and with the news that PHEAA will end its service contract in XX/XX/2021. 

Please provide assistance in expediting my matter. I already have a FSA complaint and they have not assisted me in a timely fashion. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Hello, my name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX CT XXXX. I have been a little confused with my home mortgage since they merged/changed names from Ocwen to PHH mortgage during the 7/8th month of 2019. I have been calling them twice a year for a charge they have with my account for {$410.00} " Assessed Expenses '' I was told for over a year they would investigate what the charges were from but my third time calling in over two years, I was told the charge was placed against my account and that was it. I would like a detailed list for the charges they are trying to bill me for. I want to know if they charged any customers these fees when the changeover to www.ocwen was made to XXXX on 2019. PHH hasn't given me a detailed reason of list for the charges with dates and reasons. I need help trying to find out exactly what the charges are for and why they are on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I paid XXXX XXXX {$190.00} for my first months premium on a new Marketplace policy. XXXX claimed I never paid this amount, although I sent them my bank statement as proof of payment. They proceeded to cancel my insurance and refused to refund my money. I contacted Wells Fargo Bank and disputed the transaction and was told that since I initiated the payment they could not refund my money. This seems ridiculous and should not be allowed to happen. I have all of my documentation to prove that a : I paid the premium and b : XXXX cancelled my policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
Account Name : PERSONIFY Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelson Cruz & Associates LLC
State: OK

Complaint narrative:
This debt popped up on my credit report this year. I have no clue what this company is or who they represent. It should be against the law for this companies to just pop up on your credit report without contacting the consumer first

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XXXX 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

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 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mother passed away 8 months ago today I called the bank XXXX/PHH to get the payoff I faxed the documents the bank gave me a extension on the forbearance it's due next month they changed the locks I have called many times I have emailed all the documents they are not even trying to get the paperwork in order I am the executor I am so sick from all of this please tell me what I need to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against Capital One located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinstein, Karp & Associates, Inc.
State: NV

Complaint narrative:
this company weinstein & karp are attempting to collect on a debt, that i do not feel is mine. i am requesting a validation of this debt. i am on ssi and therefore my income is federally protected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: CT

Complaint narrative:
The contract has incorrect payment dates and amounts and they admitted the entire contract is wrong. Since XX/XX/XXXX my account has been charged the XXXX and XXXX of each month. On the contract the month of XXXX is missing and XX/XX/XXXX and XXXX. The charges are incorrect as well for some payment dates. The XX/XX/XXXX charge says {$150.00} payment due and I was charged {$200.00}, on the XXXX payment due {$150.00} and I was charged {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My house was burglarized on XX/XX/2021. All my information was stolen. Tax information, Birth Certificate, Banking information ( XXXX ) and 401k Retirement and Pension accounts, SocSec numbers. User log ins and passwords compromised for all accounts. Everything, including title to car which was then stolen on XX/XX/XXXX. XXXX Co Sheriff Case # available. I have received information from XXXX XXXX of a fraudulent account opened online in my name as well as an account with XXXX. I have reported these by phone and in person follow up with both. Also reported these fraud accounts identify theft to XXXX Co Sheriff Dept ( additional case # ). Credit freeze was done on XX/XX/XXXX with Equifax, XXXX, XXXX  by phone menu tree. Unsure if they have noted fraud in their record? Phone tree was painful and there seems to be no way to actually talk to anyone. In fact they jumped to trying to sell me something. 
XXXX asked if I had an FTC Complaint #? Not sure what this is so went to www.consumer.ftc.gov/features/scam-alerts which jumped me to this after question prompts. Will I get a #??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation