vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
We paid off my lease by trading in on a different car. We were positive equity on our lease and in fact, we were overpaid on the lease by several XXXX dollars. We traded the vehicle in on XX/XX/2020. The dealer paid off the lease and secured title. 

We have been trying for the past 3 months to get our overpayment of several XXXX dollars back from Kia Motor Finance. Every call we have made except for 1, we get an automated message that they are to busy and to call back at a later time.

The 1 and only time we spoke to a real person, they said there in fact were 15 vouchers for us to get our money back, apparently one for each over payment we had. That was 6 weeks ago, and still no refunds.

We only want the money that was paid in excess of the lease, and feel that in 90 days, they should have been able to send our refund.

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Reviewed my credit report and is showing Comenity as reported balance of {$6200.00} with all National Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX that some one attempted to run my credit through XXXX XXXX and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX  that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. 
I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX in XXXX  XXXX , wi XXXX note this was a group home called XXXX XXXX  which XXXX know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX   XXXX XXXX XXXX owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX. 
after calling XXXX  i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and XXXX XXXX. please help me investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with QVC, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) QVC called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, QVC kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX  balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " XXXX '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX speakers and never got received them, but QVC just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
My name is XXXX XXXX and on XX/XX/XXXX my relicard account was switched To inactive. Id only been aware of it because I tried ordering food and was declined multiple times. Id been told that due to me changing my address I needed to send in my State ID and a piece of mail that had both my name and address. Thursday of the following week I sent in all the items they needed and was told to give them five business. They also said I could check in sooner because its possible it could be done before that. 5 business days go past and still theres no difference in the account. Ive waited for hrs and Ive talked to multiple different customer service reps and they give me the same answer. Ive been without my funds for 2 weeks now. There should be a better  process to things like this. This is wrong.

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 2020-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My VA loan is with Nationstar aka Mr. Cooper I am or was in the process of doing a VA streamline refinance of my VA loan with my current lender Nationstar. I started the refinance process on XX/XX/2020. I was approved of the refinance and a rep from Mr. Cooper said, " it usually takes two weeks to complete a VA streamline refinance but because of the increase of refinance applications around the U.S., it  would take up to 30 days. '' On XX/XX/2020 i called mr. cooper to ask for a status update of the refinance. a rep said, " we are still behind, make a payment on the current mortgage again with the same rate. '' XX/XX/2020 ( 60 days of processing ) i call and i receive the same statement, " we are still processing the refinance again. make a payment and wait. we will call you when we have closing details. '' i wait ... XX/XX/2020 ( more than 90 days processing ) a new rep calls me and apologizes and stated, " I will have me closing in XXXX. Make another payment. '' I told him, no i want to speak with a manager. the manager says we have to write another refinance application. I said i disagree. You had everything you needed from me  in XXXX. After pulling my credit, asking me to make payments on the same interest rate while they were processing the refinance. And now we start all over again??? in XXXX? Please get me in front of a judge for fraud and to get my money back. Please help. thanks *below is more information amount of mortgage is XXXX at 4.25 int rate. they have already cost me thousands over the last four months. 
Actions taken ... in XXXX, the last time i spoke with a rep from nationstar, i told them about what happened about the refinance that was mismanaged and lost. they said, " we do not assist with that. make a payment. '' i told them to record or copy this statement. I will not be making another payment under the same terms and conditions because the contract was null and void. they had committed fraud and i want to speak with someone who can resolve the refinance problem. i have not spoken or received a phone call from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: MD

Complaint narrative:
I need my Equifax freeze lifted and called, tried to log in and all I get is that it can't be done, my information is incorrect. If finally got a person who said to mail a letter and my social security card and drivers license to Equifax and they would send a password that should arrive five days later. I sent that XX/XX/XXXX. I sent another letter XX/XX/XXXX to say I have gotten nothing. I've been calling since XX/XX/XXXX or XXXX and got the run around from one computer to another for days just to finally get a person. 

I don't get it that someone in another country can hack my credit card within days that I activate it, but Equifax won't give me access to my account to lift the freeze long enough to get a credit card from someone other than Mastercard which seems to be on hackers radar. 
If you can't help, I'm used to that. But please, someone have some compassion and get through to Equifax if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit XXXX but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank 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 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: GA

Complaint narrative:
XXXX XXXX was my loan officer at Sovereign Lending Group. I needed a simple refi on my home. He gave me his initial loan estimate and I as a consumer took that estimate and started shopping for a better deal. When I found one I brought it back to XXXX for him to beat. He stated to me several times, if you find a better deal bring it back to me and I will 100 % beat it. He said he was going to beat the costs no problem. I followed up a few times and when he got back to me finally, he said he would beat the costs at the closing table. He was basically trying to ensure that I did not go back out again and shop his loan estimate. This is extremely disappointing and very unprofessional. This type of lending practice should not happen. I have all of these details in writing from the LO if/when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am in the process of trying to get a Home Mortgage and during the process my loan officer reached out to me and advised they were able to get my credit report on XXXX  and XXXX  but unable to obtain the information from Equifax. I have reached out to Equifax  since Monday, XX/XX/XXXX and have had the worst experience in my life. I was told from the first call that they could not access my information that I would need to fax or mail my drivers license and social security card which I did immediately. I then contacted my loan officer back and he advised me to call Equifax back and ask for a temporary lift so loan officer can process my paperwork. Well we are now at Thursday, XX/XX/XXXX and I have called Equifax 10 times and was hung up on 4 different occasions with no acknowledgement from the company that they were terminating the call. I also asked to  speak with a Supervisor of which representative XXXX agent ID XXXX refused. I asked for the Supervisors name and agent ID and she advised Supervisor would not give me that information. EQUIFAX is now impacting me on having a place to live as I have to move out of the place I am currently living at. They have told me many different stories depending on whom you speak with. One representative tells you 24 hours to process request and now I am being told 7-10 days.  How can they impact a consumer like this and say what they just about want to? How can I trust this company who is in control of my credit history and my ability to obtain a loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation put a medical collection on all three of my credit reports. The medical bill was paid my insurance ( XXXX ) XX/XX/2019. This is collections is stoping me from closing on my home. Waiting up to 45 days I will lose my home.

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 2020-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I saw Rocket Mortgage commercials that show it's all online. I submitted an app expecting rates, but you have to talk to someone in AZ first before getting rates. That information was never given to me before finishing the submission when I gave them the property location online. As soon as I got a notice on the landing page, where I was expecting to get available rates, to call someone I did. I got someone in California who had no idea why I was transferred there and said I would need to talk to someone in AZ. I then immediately got back online and used their web chat to talk to a rep. I repeatedly told them I do not want my credit pulled since their service was misleading and not really an online service. I repeatedly kept telling him I also no longer wanted to use their services and that I felt misled. Then I got an alert today that my credit was pulled two days ago anyway. I also asked for a copy of the online chat when I called today and they said I couldn't get a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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 — Problem with personal statement of dispute
Company: American Financial Resources, Inc.
State: GA

Complaint narrative:
I filled out forbearance paperwork with American Financial ResourcesXX/XX/XXXX due to COVID-19. XX/XX/XXXX at XXXX in a recorded conversation I was told that my account was in Forbearance and that they would switch my Forbearance to COVI-19 Cares Act program. XX/XX/XXXX XXXX, I called and spoke with a manager that confirmed I was on the Cares Act plan even though I received a letter stating they were going to report it to my credit. XX/XX/XXXX XXXX, I spoke with a manager after it was reported to my credit and they confirmed it was a mistake and removed it from my credit. XX/XX/XXXX XXXX, I spoke with another manager and  stated that they need to remove it form my wife 's credit as well because we are both on the loan and he agreed. XX/XX/XXXX XXXX, I spoke with a manager to find out why it was put back on my credit and why it was reporting late. The manager realized they made a mistake and never properly switched me over to the COVID-19 plan and I was still on a regular forbearance plan. Manager stated that he would correct the error. The error since has not been corrected as I've had multiple conversations with American Financial Resources supervisors and managers. It is still reporting negative on both our credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: OH

Complaint narrative:
There is an advertisement and a pre-approval form which states that you can " see if you're pre-approved with no harm to your credit. '' It states, " it's fast and secure '' and " there is no impact to your credit. '' A little further down it lists the " benefits '' and the first two benefits each have a footnote. 

Upon learning that I was pre-approved it immediately tells you to complete the application to apply, which I did. Immediately thereafter, I received a notice of a hard inquiry on my credit report and my credit score immediately dropped 8 points!!! 

I immediately contacted Discover at XXXX and spoke with XXXX ( who was very nice ). Unfortunately, however, XXXX was unable to assist with the issue, explaining that upon speaking with his supervisor there was nothing they could do and that they are sorry it is not more clear that it was a two-part process and that only during the pre-approval phase would there be " no harm to your credit. '' I believe that in the same manner they have the footnotes which provide additional detail and transparency with regard to the " benefits '', they should also have a footnote that would provide true transparency that if you choose to apply AFTER you have have been pre-approved, the second step or the completion of step two will result in a hard inquiry on your credit report. Had I known there would be a hard inquiry on my credit report I would NOT have applied. Discover wasn't my first choice. 

You can view the offer by going to the following link : https : //www.discovercard.com/application/website/prequal # prequal-match-disclosure I am angry. I did not want a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX  that some one attempted to run my credit through synchrony bank and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX  that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX wi XXXX note this was a group home called XXXX XXXX which I know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX XXXX XXXX home owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX after calling XXXX i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and synchrony bank. please help me investigate this.

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 2020-09-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have reached out to the bureaus on multiple occasions and they have not honored my request in a timely manner. I sent in disputes on XX/XX/XXXX and I need this request completed and items taken care of.

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