vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Hyundai motor credit & Gap insurance were notified XX/XX/2019 the car was totaled. The Insurance company paid out the loan. 

On XX/XX/2019 Hyundai claims they sent Gap insurance the paper work to pay off the remaining balance. 
Gap insuranse claims they never recieved it to satisfy the loan. 
Hyundai stated to gap ( verified address ) they will agin send the paper work XX/XX/XXXX XX/XX/2019, I recieved a letter from Hyundai dated XX/XX/XXXX, that the debt has not been satisfied. My credit report now has XXXX non payments listed from them. 

What can I do. The Gap insurance is still waiting to recieved the paper work from hyundai to resolve the balance, meanwhile I will get another non payment in XXXX XXXX XXXX

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 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC

Complaint narrative:
ID Data International {$390.00} XX/XX/2018 I have no clue about this debt with IQ Data International and it has damaged my credit tremendously. I have tried to contact them several times about this matter. IQ Data International has committed two violations. 

Under Section 807 of the FDCP False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt Under Section 808 of the FDCP 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Have talked to a representative about the account that Portfolio Recovery is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX, I added my Savings account to my PayPal account to pay a business expense. My PayPal account was supposed to withdraw from existing PayPal funds first, then my credit card, then my Savings account. When I XXXX  out my PayPal account for an XXXX transaction, PayPal immediately withdrew from my Savings account ( which only allows 6 withdrawals a month due to Federal Regulations ). When I was notified of two direct withdraws, I complained to PayPal and then switched my primary payment from my PayPal funds to my credit card. PayPal continued to bill my Savings account directly regardless without my explicit authorization and resulting in my bank charging me an initial {$10.00} transfer fee ( I expect another {$20.00} for the remaining two unauthorized charges ). 

I then tried to remove PayPal 's access from my Savings account on several occasions online, and the service simply won't allow me to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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: NJ

Complaint narrative:
I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX reported my mortgage as paid in full in XX/XX/2010, but did not provide a satisfaction certificate to me. This information is also listed on my XXXX credit report but their alleged predecessor Nationstar Mortgage claims that I never paid. I am fighting a foreclosure to no end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They said I opened an account in 2015. I was XXXX  in 2015 in the Texas Department XXXX XXXX XXXX XXXX in the XXXX XXXX. The dept was paid off but they said I was late with payments. It is not my account.There are several XXXX XXXX. This one is not my account.

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 2019-12-14 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank has repeatedly called my other relatives as of XX/XX/XXXX, XX/XX/XXXX, XXXX. They have repeatedly called my uncle and have left multiple voicemails and now after my uncle asked them to take him off the call list that he was never put on by me in the first place, they now have my step-mothers phone number are attempting to reach her. I have a voicemail that she has forwarded me ( from her phone )  of them stating my name, and my account information that is through them. At this point they are annoying me and the rest of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the Equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2019-12-14 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Hello, I have noticed my XXXX  score is 50-60 points lower than my other bureaus. I then noticed that Navy Federal Credit Union ( NFCU ) is reporting that my first date of major delinquency is reporting asXX/XX/ and is still reporting as open. The account seems to be updating monthly as a new delinquency sincXX/XX/. This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with XXXX ( see attached dispute ) and received the results as accurate onXX/XX/. I called NFCU on XX/XX/and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through XXXX and not NFCU. I then called XXXX and was told the opposite and that NFCU verified the dates. I feel NFCU is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through XXXX  that were returned as verified. There is also an image where NFCU is reporting the first date of major delinquency as XX/XX/XXXX and as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Card charges a 29.99 % interest rate. This is a usury rate. It discriminates against seniors that are on fixed income. Arizona law is a 10 % interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Have talked to a representative about the account that XXXX XXXX is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my credit report and noticed several inquiries that I did not authorize. I sent in a letter to have the sources investigated to Equifax. Ive called in and the results are always given within 3/4 days, which is not enough time to investigate. The following are the inquires I am disputing : XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/. I have contacted the original creditors and they have no record of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: OH

Complaint narrative:
Hello, I have noticed my Equifax score is 50-60 points lower than my other bureaus. I then noticed that XXXX XXXX XXXX XXXX ( XXXX ) is reporting that my first date of major delinquency is reporting asXX/XX/XXXX and is still reporting as open. The account seems to be updating monthly as a new delinquency sinceXX/XX/XXXX This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with Equifax ( see attached dispute ) and received the results as accurate oXX/XX/XXXXI called XXXX onXX/XX/XXXX and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through Equifax and not XXXX. I then called Equifax and was told the opposite and that XXXX verified the dates. I feel XXXX is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through Equifax that were returned as verified. There is also an image where XXXX is reporting the first date of major delinquency as XX/XX/XXXX and as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My credit report says Santander Charged off a car purchased in 2015. I was XXXX  in 2015 in XXXX in the XXXX XXXX. This can not be my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/19 @ XXXX from XXXX states calling from portfolio recovery I received a call, agent identified herself and the company. I ask her to remove my number she told me she could not do so. I then asked her to cease & desist all calls to my number and gave her my number. She said she couldnt do so and ended my call. 
XX/XX/19 @ XXXX from XXXX another call and I answered and stated to cease calls before I heard a voice then they hung up XX/XX/19 @ XXXX from XXXX agent stated from portfolio recovery I asked her to cease all calls and she said she couldnt do so until I told her who she was speaking to. I again asked her to not call my number. She hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have an escrow account with US Bank Home Mortgage to pay property taxes and property insurance. US Bank failed to make the payment on its due date ( XX/XX/XXXX ) - I talked to them 3 times and was assured the payment will be paid, it is 2 weeks past due now. There is no sense of urgency from US Bank to resolve the issue even though they were informed that I have notice of cancellation from the insurance company. 

XX/XX/ : Contacted US Bank regarding insurance payment - I was told that no premium notice has been received even though XXXX XXXX had sent 2 premium notice. I was told that the address on the premium notice was incorrect - US Bank never notified me about change of address. 

I was told to upload the premium notice through ihaveinsurance.com/usbank - the document was uploaded on XX/XX/2019 XXXX XXXX PST XX/XX/2019 : Called US Bank as no payment was made. US Bank representative confirmed the premium amount & address and assured me that payment will be processed the same day. The representative was informed about the notice of cancellation.

XX/XX/2019 No payment made - called US Bank again- the representative told me that we don't have premium notice, even though on XXXX they confirmed the premium amount. Talked to 3 different representative and all of them refused to resolve this issue. I was told to call back on Monday, XX/XX/XXXX and none of the representative were concerned that the insurance will be cancelled within a week.

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 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im trying to navigate through chases convoluted dispute process. 


The number on the back of my card didnt worm this morning XXXX XXXX XXXX I called twice around XXXX XXXX  and I put in my 16 digit card number before being met with heavy static & line noise before a robot told me to call back later. 

No problem I thought Ill just dispute it online. Well chases online dispute is conveniently missing several key areas. They only have I was still being charged and I was charged wrong amount. Neither of these apply to my situation, yet every phone rep I talked to later that day encouraged me to dispute online rather than wait to be transferred. 

All in all I must have put my card in 6 times for verification between my 4 phone calls to get this done. Finally reached a dispute person, she took my statement, then told me she couldnt handle it and had to transfer me to a specialist! At this point Im getting frustrated. 

She transfers me and the specialist is practically starting over from scratch! Repeating everything I just said and asking me to confirm every last detail which normally would be OK but what a complete waste of my time talking to the first agent! 

I need a direct number next time to reach a dispute specialist or an address to write to without getting passed around like a rag doll! 

I talked to XXXX a manager in the disputes department and XXXX in the disputes department. Neither of them were able to help me. XXXX kept telling me because I accepted a gift card from them that I cant do a dispute. I tried to use the gift card with their price match policy and I had lots of difficulty doing so, at one point they tried to kick me out of the store, at this point I just want my money back. 

I did find it strange that XXXX encouraged me to close my account and immediatly transferred me when I told him " why dont I just close my account ''. 

I need a direct number for a dispute specialist or an address to write to next time. This whole process just makes my head hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation