vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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 purchased my leased car from Hyundai Capital America on XX/XX/XXXX, via a check for {$12000.00} ( the total residual amount ). The check was cashed immediately, but I never received my title in the mail & have been in an ongoing battle this past year trying to get the documents I need. The CA XXXX said I need wet signatures on a Bill of Sale, Odometer statement, & other documents, all of which I have requested from XXXX over 2 dozen times. I have made over 50 phone calls in the past year, each time being lied to that my documents will arrive within a few business days. I received a Bill of Sale several months later on XX/XX/XXXX, ( which has now expired ) without the other required documents, so the XXXX has rejected my request for a duplicate title. On XX/XX/XXXX, I sent a packet of XXXX XXXX forms to the XXXX XXXXXXXX XXXXt via XXXX mail ( XXXX XXXX # XXXX ). I highlighted & placed Post-It notes on the areas needed to be filled out & signed. I also included a letter outlining the name of each form & what section they need to fill out in a very simplified manner. The letter was delivered on 2/6, but the XXXX claims they have not received it. On XX/XX/XXXX, I sent another certified letter ( XXXX XXXX # XXXX ) requesting a duplicate title along with a {$61.00} money order made out to the XXXX. I am attempting both approaches as a last-ditch effort. Despite dozens of attempts to resolve the issue with their customer service & escalation teams, I was met with unhelpful & unsympathetic representatives who provided me with conflicting information via scripted lines. This lack of accountability is unacceptable. I would like to request that you investigate this matter & take appropriate action to hold XXXX accountable for its poor practices. All I need is the title to the car I rightfully own.

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 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC.
State: CA

Complaint narrative:
I received a debt collection notice from XXXX. In order to dispute the debt, XXXX required me to create a login and password. It seemed like a scam and I believe I need to be able to communicate without creating a login or password. Unfortunately, XXXX does not put an email address on their website to dispute the debt. Additionally, I don't believe I owe the money they are asking for.

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 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have an unauthorized fraudulet inquiry on my TransUnion credit report from XXXX XXXX XXXX XXXX. The XXXX is listed as : " XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank sent a notice without reason that they were closing my brokerage account then sent 5 more letters closing all of savings, checking and CD accounts. All sent within the last 2 weeks. Again no reason why the were closing the accounts. I have had an account with Citibank for over 40 years with no issues.. I have called the bank, visited the branch directly and sent emails and to date no one has responded including my relationship managers or the branch managers. No reason was provided for the closing of the accounts. I have 3 XXXX 's with an 18 month maturity with a prime interest rate which they are closing a well. I can not get that rate in todays market and still have 16 months until maturity. I should be compensated for the loss of interest if they want to break the XXXX 's without my approval. Is Citi overextended on the rate and will make it convenient to close my account and others that fall into my same situation? I have been told from the branch accounts are being closed without reason. That can not be fair to the consumer.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continues to report the wrong information on my credit report regarding a closed credit card account I had with the XXXX XXXX XXXX XXXX XXXX XXXX. Today, I received the results of my dispute to update this account. Account status is still being reported as a " charge off '', when the status should state " settled/settlement ''. I have attached a screenshot for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
This is literally the only way to contact Loancare , LLC, unless you want to spend over an hour on the phone and not have your issue resolved. The company needs to provide a help email or a contact person. 

Per my prior complaints, I have returned the {$5300.00} to Loancare, which they mistakenly sent to me. However, my next payment is still {$100.00} higher than my payment prior to my loan being transferred to Loancare. I would like them to conduct another escrow analysis and finally get this corrected. Additionally, a contact name or email would be appreciated.

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 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a debt collection notice from XXXX. In order to dispute the debt, XXXX required me to create a login and password. It seemed like a scam and I believe I need to be able to communicate without creating a login or password. Unfortunately, XXXX does not put an email address on their website to dispute the debt. Additionally, I don't believe I owe the money they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt- 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt ;

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 2023-02-14 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: FL

Complaint narrative:
Please see the attachment below as it clearly states my complaint

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 2023-02-14 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: CA

Complaint narrative:
There has been a delay in getting answers and a resolution regarding my Equifax settlement funds. During my call on XX/XX/XXXX, I asked the representative for the date the check was sent out and tracking number so I can provide the information to authorities. The representative at XXXX was not able to provide me with this information. I asked for a supervisor and was told 'the supervisors are busy '. 

I asked if they had another number they can provide me and was told there was no other number for their court appointed equifax settlement department. I was told another inquiry would be put in and I would receive a call back from XXXX but was not told when I would receive a call back or who would be calling me stating they can not provide me with any supervisors names in the Equifax specialized department. 

I was told a representative called me on XX/XX/XXXX ; however, my records do not show a phone call from XXXX. When I asked if the supervisor would be using a different number to call back I was told the only number used by their supervisor is XXXX which is an answering service. I was told that scheduling a call back was not possible. 

Upon requesting the date the check was mailed out, tracking information and confirmation a stop payment was placed on the check ; I was told the inquiry would be escalated to the administrator ( with no name or contact number ) - again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to make my mortgage payment on fifth thirds app on XXXX  and was given an error message. I attempted again on XX/XX/XXXX and was again given an error message. Ok XXXX  I saw that a payment came out. Again on XX/XX/XXXX I saw a second payment came out. I did not authorize 2 payments to come out of my account. The bank can not refund me the money for the second payment for 14 business days. At which point the payment will almost be due again. I have called multiple times and chatted over the app but no one is willing to help me for the error that the bank made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt- 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt ;

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 2023-02-14 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: IL

Complaint narrative:
XXXX XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt- 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
DearConsumer fFinance Protection Bureau, This letter is to inform you that Synchrony Bank has illegally and in bad faith submitted a form 1099-C to the Internal Revenue Service ( IRS ) despite being aware that the debt resulted from identity theft. This form 1099-C is an official form used by the IRS to report cancellation of debt and thus should only have been done by first addressing the issue at hand. I have documentation to prove that I became a victim of identity theft, which was the cause of the debt owed. I am making an official complaint and request that the IRS revoke this form 1099-C,
which synchrony filed improperly. I request that Synchrony Bank take steps immediately to prevent this type of malicious behavior from occurring. Furthermore, I ask that Synchrony Bank be held accountable for the financial damage caused by the improper filing of this form.

I would appreciate your consideration in this matter, and if there is anything I can provide to further my case, please do not hesitate to contact me. Thank you for your time and consideration.

The Texas Deceptive Trade Practices Act prohibits debt collectors from submitting false information to the IRS on a Form 1099-C. This protects the consumer by preventing an inaccurate representation of the consumer 's tax liability to the IRS. It also ensures that any action taken by the debt collector is done in a manner that is fair and honest to the consumer, as outlined in the act. In addition, the consumer can take action against the debt collector if any unlawful or deceptive practices were used by the debt collector during the process.

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 2023-02-14 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: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-02-14 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: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This account was opened fraudulently, when I found out I called XXXX XXXX right away to report that someone used my personal info to guarantee a business XXXX account. XXXX XXXX refused to take accountability for not verifying my information, even though I had put numerous fraud alerts on my personal credit and told XXXX before to verify my info before opening any account. Now my credit went down from around XXXX points to XXXX - an almost XXXX points drop for an account that was fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  score reduced claiming :! ) Lack of recent installment loan information XXXX ) Length of time revolving accounts have been established, They would not explain the reason for this. 
They said there had no information about outstanding loans. I have no loans or late payments. I contacted TransUnion twice and they had no explanation why the XXXX score was decreased twice in the last several months, nor what I could do about it. They referred me to you.

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 2023-02-14 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-14 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: Premium Credit Bureau
State: NC

Complaint narrative:
XXXX, XXXX, XXXX & XXXX XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation