vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: VA

Complaint narrative:
On XXXX XX/XX/XXXX I submitted an online payment to Hyundai Motor Finance ( HMF ) in the amount of {$14000.00} to pay off the final lease payments and purchase a XXXX XXXX XXXX. 

I requested that the title be sent via XXXX, but nothing ever arrived. After about a month, I contacted HMF and was informed that they had sent the title by XXXX and instructed to wait for it to arrive, but they would also send a letter of no interest. 

On XXXX XX/XX/XXXX, I called HMF again to inquire about the status of the title and letter of no interest. An agent named XXXX told me that the title had been returned by XXXX to HMF on XXXX XX/XX/XXXX. I was transferred to a special agent named XXXX who told me that he did not have a record of the title being returned to HMF. He said they sent the letter of no interest on XXXX XX/XX/XXXX, but that never arrived either. XXXX instructed me to send a letter requesting a duplicate title plus a check for {$15.00} made out to the Virginia DMV. That letter was sent by certified mail on XXXX XX/XX/XXXX and it was signed for at the HMF Titles Department on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX I called back to find out why the DMV check had not been cashed. I again spoke to XXXX who told me that they have no record of receiving the letter/check. I gave him the tracking number on the certified letter, and he said he would forward it by email to the titles department and to call back in 5 business days for an update. 

On XXXX XX/XX/XXXX I called back and again spoke to XXXX. He said there has been no update. He said he would send another letter of no interest via XXXX and he said he would again escalate the issue by email to the titles department. 

It has been nearly four months since I paid off the vehicle. I am unable to sell it because I don't have the title, and HMF has not given me any indication that they have processes in place to remedy this issue. The {$14000.00} that I spent on this car represented the bulk of my emergency savings. My intent was to sell the car and recoup that money. The value of the car is decreasing the longer I wait to sell it, and I am also continuing to pay for auto insurance on a car that I am not using.

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 2022-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My loans were held with XXXX from XXXX. During this time, I was Never told about PSLF, or put or offered and IBR plan. I was put on a graduate plan and then in forbearance. This was proven in the lawsuit, however, paying the borrower a check for {$260.00} will not help with almost three years of payments that could have counted for PSLF waiver. 

The forbearance periods all need to be counted retro back to 2007. So much forbearance steering took place. XXXX is a prime example and did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
I already filed a complaint with you Complaint ID number XXXX. You responded by saying the company responded saying they need more time for this investigation however I got a letter from Transunion giving me the results of their concluded investigation so they are not still working on the investigation according to the letter I received they have completed the investigation and I still dont understand what happened at or what they changed. I emailed you back after you sent me the notice about the meeting more time but I dont know if it got to you. I have proof, a letter they sent me last week saying they had concluded the investigation and found the information to be last week saying they had concluded the investigation and found the information to be accurate although they did make changes to my report, what changes I have no idea because I don't understand their 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 2022-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On XXXX XXXX Collection BUREAU OF THE HUDSON VALLEY added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, CLLCN BUREAU has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I did not receive any proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
In response to my initial complaint filed with the CFPB, I was contacted by XXXX XXXX, Senior Specialist, Corporate Consumer Relations, Synchrony Bank. She left a garbled voicemail that I could barely understand and an email from a suspicious looking email address. 

I have left a return voice mail and two email responses in return- within a few hours of her reaching out to me- it's been almost a week, and she's made no attempt to get back to me. 

The email address she used looks highly suspicious : " XXXX '' and her voicemail sounds garbled- not professional at all. 

To recap : Synchrony Bank applied almost {$1500.00} in fraudulent charges to my account using a " card security '' scheme in cahoots with XXXX XXXX. I am due to reconcile my account on XX/XX/XXXX, but can't seem to get anyone from either company to give me the time of day. 

This issue needs to be resolved by XX/XX/XXXX or they will penalize me- how is any of this legal? They appear to be deliberately delaying the process so that I am penalized. I've lost sleep and time away from work in order to deal with this nightmare they've created. 

Everything about Synchrony bank is suspect - these people are outright criminals and they are intentionally stealing people 's money.

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 2022-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
From XX/XX/XXXX through XXXX XXXX there were fraudulent inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XXXX ) ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. All bureaus have removed this information except equifax .this information has cause my business to be turned down for credit on multiple occasions .A police report has been sent to equifax but still the information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Last year I purchased a music festival ticket to the Rolling Loud festival in California. The festival was XXXX XXXX XXXX XXXX. I purchased this ticket on XX/XX/XXXX from XXXX XXXX Tickets. I chose the layaway option that had monthly payments. The payments are as follows : XX/XX/XXXX - {$9.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$75.00}. On XX/XX/XXXX at XXXX I received an email from the rolling loud ticket vendor ( front gate ) stating that we were able to requests refunds after the traumatic events that took place at the XXXX XXXX XXXX. I took advantage of this opportunity because I was afraid to attend the show. I logged in and requested the refund. A few days go by and I didnt receive any emails from the ticket vendor so I asked my friend ( who I was going to the show with ) if she received any emails and she stated that she did receive one and that her refund was on the way. I naturally checked my email to see if maybe I missed it, and I didnt see anything. I emailed the merchant and they said it was past the refund timeline so they could not help me. So I then called my credit card company ( capital one ) to help me. After a month of disputes and constant follow ups and document gathering we have not reached a resolution. Capital one told me that they can not insure every purchase and since the merchant denied my request there is nothing they can do. I honestly believe this is an IT error, which is not my fault. I logged into my account and requested my refund Im not sure why I was not honored the refund. I have my hands tied, I have provided everything I can to capital one and they are not helping me. Your credit card company is supposed to defend the customer, and Capital One is not doing that. I am out $ XXXX because I was afraid for my safety to go to a music festival that I was offered a refund too. I hope this can help me get my money back and also give capital one a negative remark for not siding with their customer when health and safety is at stake. I have been a Capital One customer for years and I am disgusted at this. I will be closing my account after this is hopefully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
For nearly the last year I have continued to be charged " unpaid fees '' for two federal loans on my account that are being handled by Navient. I've called numerous times to find out what these fees are for when I have paid the loans on time and even overpaid on the loans. On XX/XX/XXXX I made a payment for {$37.00}, the unpaid fee total and decided to look into 1. How long I'd been paying such fees and 2. Why my payments though directed, were not being allocated to these said fees. On XX/XX/XXXX after my payment on XX/XX/XXXX was processed, the fees were once more charged ; so I called. 

The representative that I spoke to at that time could not answer as to what the fees were for and why the loan payments, though directed, were not being applied to these fees. First, she said that they were applied to the back of the loan, but couldn't answer as to what the fees were specifically. Then, she said that they were late fees. When I asked why I was charged late fees on loans paid on time she could not answer and reverted to saying that they were fees applied to the back of the loan. Out of frustration I hung up. 

On XX/XX/XXXX I made a payment, again for these unpaid fees of {$37.00}. Then on XX/XX/XXXX I made another payment for these unpaid fees of {$37.00}. Totaling {$75.00}. I logged in on XX/XX/XXXX and there is another fee of {$37.00}, so I called Navient. I again was told that they were late fees on the account. I have made on time payments for these loans for more than a year, therefore, shouldn't have been charged late fees and no one at Navient can seem to explain to me why I keep being charged them and/or why every time I have paid them they are still showing on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MD

Complaint narrative:
On several occasions, I have tried to dispute records on my Equifax credit report. However, the link provided by Equifax never works and is intended to discourage consumers from filing disputes so has to reduce the company 's investigation cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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

Complaint narrative:
Paypal limited my account and I don't know what I have done wrong. I used my account for 3 years and now they just sent me an email regarding of my account that has been permanent limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens sent out an email that they were going to pay an insurance company {$1400.00} for hazard insurance on XXXX/XXXX/2021. I called them on XX/XX/2021 to advise that another company had been set up and that it would be prepaid without need for escrow. I sent a paid receipt from my XXXX XXXX with evidence of insurance on XXXX/XXXX/2021. I received notice from Citizens that they paid the {$1400.00} and the {$760.00} to the other insurance and deducted it from my escrow. 
Further research with both insurance companies found that Citizens never sent checks to either one and/or placed stop payment on them. After three calls to them over the last 6 weeks, they have still not corrected the escrow account. Average wait time to speak to them is over 45 minutes per call. 
Please advise if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX my email is XXXX on XX/XX/XXXX I reported a complaint to XXXX XXXX XXXX for identity theft because someone opened an account with my information without my consent and brought the total bill that they mailed me of XXXX Im writing because I was honest about this and they are still sendin on me documents stating to pay the balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I had a credit card with XXXX XXXX in XXXX or XXXX. I was unable to keep paying every month. XXXX XXXX put the owed payment to a debit collector named Midland Credit Management LLC. I noticed that it was reported on my credit report, which I understood. Yesterday, XX/XX/XXXX I was served with court papers stating that they were suing me for the amount I owed which is {$790.00}. This morning XX/XX/XXXX I reached out to Midland Credit Management 's attorney who is handling the case and left a voicemail stating that The amount appeared on my credit already and I'm confused why am I being sued. I also said in the voicemail that I'm currently unemployed so I can set up a payment plan or something but I don't have the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from 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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
Sunrise credit services has been recruited by XXXX XXXX XXXX to collect debt from a fraudulent account. 
I have attempted to reach out to Sunrise Credit to send me paperwork to dispute this fraudulent. 
I have also initiated an inquiry with XXXX XXXX XXXX, but haven't heard back.

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 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from 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