BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car loan with Fifth Third Bank back in XXXX. As of today, XX/XX/XXXX, I have yet to receive a title. 

When I realized a few years ago I was not in procession of a title, I called Fifth Third Bank to ask about it. The notified me the release was sent to the DMV and I could request a duplicate title, so thats exactly what I did. In XX/XX/XXXX, I sent in the CA DMV form requesting a duplicate title along with the {$22.00} fee. CA DMV returned the form and check notifying me the lien had not been released by Fifth Third. 
I then called Fifth Third Bank notifying them of the problem, and they said the release was sent to Virginia, where the vehicle was previously registered from XX/XX/XXXX XX/XX/XXXX and to contact Virginia. I called the Virginia DMV, and they had no record of the release either. 

I became frustrated and let it go until early XX/XX/XXXX. I called Fifth Third Bank again, explained the prior scenarios and they said a state-to-state transfer from VA to CA must be completed with their third party title provider. I was transferred to this third party, and the third party notified me the release was sent to Connecticut where the vehicle was registered from date of purchase in XX/XX/XXXX to XX/XX/XXXX and to contact CT for the title. I then called the CT DMV ; they did not have record of the release either. After calling the CT DMV, I tried the VA DMV again to double check if they had record of anything, and still nothing. The VA DMV said they needed to receive a release from the bank to issue a title. I called Fifth Third Bank again, and a gentleman told me he would re-submit a release to VA and I should give it 10 business days to get a title from VA. I confirmed VA had my current address, but have not received the title as of today, XX/XX/XXXX. 

I called back Fifth Third bank XX/XX/XXXX where I explained the scenario and told them I just need a title from somewhere to sell my vehicle in the next 30 days. Fifth Third again referred me to their third party, the third party refereed me to CT, and back to Fifth Third again when I told them CT had no record of the release. I am going in circles with Fifth Third Bank. Fifth Third should have record the car was registered in CA since XX/XX/XXXX, notified CA the loan was paid in full and to release the title to me in XXXX. I need to sell my vehicle by mid-XX/XX/XXXX and can not do so without a title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Escalation Supervisor, On or about XXXX XXXX. XXXX I was advised by XXXX XXXX XXXX XXXX all documentation was received to proceed forward with a property modification. Since this point I 've had no updates or communications from the mortgage servicer. Upon calling several times to get a status update with XXXX, XXXX and XXXX no follow up has occurred. On XXXX XXXX. XXXX I had a XXXX  package delivered to our townhouse. It seems to indicate I should call in to get further direction on the next step to the process. The property is indeed occupied. It is important the servicer call me back and give me a update via phone and or E-mail. It seems XXXX XXXX is never available. Please assign a new representative to my account as soon as possible. All communication or correspondence should be mailed to : P.O. XXXX # XXXX XXXX Michigan XXXX! 
Thank you ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclay has far to many hoops to resolve this credit card purchase trial and accept disputation as the way to resolve the issue. I tried the sftware last year, did not like it did not renew. Now it is on my card and Barclays will not accept my claim that I do not want the software.I never do automatic renewals. The type of fraud is quite frequent and certainly is known to Barclays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07
Company: JDJ Investments, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discharge of Third Deed of Trust with XXXX XXXX XXXX. In violation of California Code, Civil Code - CIV 2941 ( c ) and ( d ). ( c ) For the purposes of this section, the phrases cause to be recorded and cause it to be recorded include, but are not limited to, sending by certified mail with the United States Postal Service or by an independent courier service using its tracking service that provides documentation of receipt and delivery, including the signature of the recipient, the full reconveyance or certificate of discharge in a recordable form, together with payment for all required fees, in an envelope addressed to the county recorder 's office of the county in which the deed of trust or mortgage is recorded. Within two business days from the day of receipt, if received in recordable form together with all required fees, the county recorder shall stamp and record the full reconveyance or certificate of discharge. Compliance with this subdivision shall entitle the trustee to the benefit of the presumption found in Section 641 of the Evidence Code. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and there is currently a {$3800.00} charged off XXXX XXXX account ( XXXX ) being reported to my Experian that I did not create. In my most recent dispute, I requested Experian block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. To this date, the only generic response I received is that the account has been " verified '' again and will not be deleted. This is a serious issue for me but it is not being addressed properly by Experian. I filed a police report with my local XXXX XXXX XXXX Police Department as I now intend to bring the authorities into this. I am attaching a copy of my identity theft report along with my complaint and I have also mailed this to Experian. I am filing this complaint because Experian is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Experian is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Experian. XXXX and XXXX do not have this on my report. This is another factor that Experian is not taking into consideration. XXXX and XXXX  deleted all records of this account because it was opened as a result of identity theft.

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 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming

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 2019-10-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After notifying RESURGENT capital services several times that I, Am being represented by an Attorney, They are still sending me letters about a debt that, I do not owe and is not communicating with my attorney a directed. This is a violation of Federal Law. They are falsely claiming that, I owe {$1000.00} ( Dollars ) concerning the above debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an offer in the mail form Capital One telling me I was PRE-APPROVED for one of their high interest credit cards. I am trying to rebuild my credit since I have had past problems with medical bills. The Application came with a reservation code and access code, so I thought the offer was legit. 
After applying on-line, I was declined even though the paper said I was PRE-APPROVED and I received a notice that this application LOWERED my credit score that I have been trying hard to improve. 
Not only was this FALSE ADVERTISING and MISLEADING, but it has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is the continuation of COMPLAINT ID XXXX-XXXX which was not resolved. The company just sent me a letter dated XX/XX/XXXX in which they state they've canceled my monthly automatic drafts. I need their clarification in writing that they're only canceling the auto-draft of additional principal payment in the amount of {$520.00} and not canceling the regular interest+principal auto-draft of {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX. The check was cashed for {$740.00} and was written for {$140.00}. XXXX XXXX XXXX made an era by not looking at the written part where you put in the dollar amount but assuming it was {$740.00} by looking at the number that was written in the box The check was sent back first as an overdraft and I contacted U.S. Bank and advised them not to redeposit that check because we went in-person to pay File for Me and paid the client the {$140.00} we owed her because we didn't think the check was going to be resubmitted and it was resubmitted on the XXXX and credited to our account and resubmitted on XX/XX/XXXX as completed as a debit on XX/XX/2021 causing our account to go into negative and enormous overdraft fees. We have been contacting U.S Bank by phone and in person and they keep telling us that the other bankers at U.S Bank made a mistaken filing the claim and we have to open up a new investigation to get you provisional credit and it takes up to 10 days and this is the XXXX time different bankers telling the same old story. We have been waiting for over a month and still the [ problem hasn't been solved causing us some much inconvenience and hardship. Attached is the evidence of the transaction. 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 monetary relief
Consumer complaint received 2017-12-02
Company: Exeter Finance Corp.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Diversified Consultants, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been going back in fronth with diversified with settling a delinquent account they original inform me that if i settle the account it would be deleted from my credit report that never happened they also advised once the payment clear i would receive a letter confirming that which was never sent via email or mail.Upon recently reviewing my report the account was never deleted when i called back to ask why they then advise me they cant delete it only the original creditor can. i call XXXX and asked can they delete the charge off. they inform me diversified would have to delete it due to the fact that they reported it ( which makes sense ). At this point I'm tired of going back and forth between XXXX and the collection agency. The only reason i settled the account because i need to get a mortgage loan. I have now closed and I'm still dissatisfied that they lied and the reporting status I would like this charge off account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was summoned to court on XX/XX/XXXX for an unpaid balance owed to Mariner Finance. XXXX XXXX had contacted me on XX/XX/XXXX at XXXX to see if I wanted to make payment arrangements after they had already filed court papers against me. I advised him that I was going to make a payment on XX/XX/XXXX and that was not enough to satisfy my debt. I had called in to speak to XXXX XXXX on XX/XX/XXXX wanting to make payment arrangements for today and on XX/XX/XXXX in the amount of XXXX but he quickly advised me that was n't acceptable. The conversation got heated due to not coming to an agreement on a suitable payment arrangement and XXXX XXXX continued to over talk me. I felt very intimidated when he advised me that I owe them money and I need to pay it. He continued to over talk me and he advised me that I do n't need to be rude to him nor have any kickback. I advised him about my situation and the reason I was past due. I was in a near XXXX XXXX XXXX on XX/XX/XXXX in which I almost got XXXX in a XXXX XXXX XXXX due to the other party XXXX XXXX XXXX the XXXX and nearly XXXX me, his wife and child and maybe himself. I advised XXXX XXXX when I got my settlement back that I would pay this debt off and he kept asking me when I was getting it. I advised him that I was n't for sure. I understand XXXX XXXX has a job to do but that 's not the way to do it. I understand I owe my debt and I own up to my debt that is owed but that 's not the correct way to treat a consumer if they are at least trying to pay. People run into hard times but it seems as if XXXX XXXX is only wanting a paycheck and not wanting to help 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 2019-10-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2017-11-20
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a hard credit inquiry on my credit report that I never applied for. 
For : XXXX XXXX, 2017 Company CBNAXXXX National credit cards/ airlines CBNAXXXX XXXX, TN 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 2020-05-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Im upside down by XXXX  % I have tried to trade down and to no avail .Numerous times I have tried to contact the dealer but didn't respond.Recently I contacted XXXX XXXX and their response was cold and rude as if I didn't exist.They wanted my address to pick the car up only to extent with a late fee the payment .I explained my income is at halt due to the health crisis and it effects me most because Im in the XXXX field and limited if at all my income is not as reported now it is limited to fixed and i will not make it at this rate. At the inception of the loan the income report the dealer gave is not correct it was inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DiTech transitioned us from bi-monthly payments to monthly payments when they discontinued that program. Somehow, during this process, they had to reallocate funds which is making our account show as delinquent. Which it is NOT. We have called at least 4 times and every time they say it is there error and that they will pass it on to a supervisor and correct it. Then a few weeks later we will get another delinquent account letter for a higher amount. This most recent letter was for {$9300.00} but when I called, it had increased to {$10000.00}. I spoke with a supervisor, XXXX, employ number XXXX who assured me that he understands the severity of the situation but also informed me that they have reported us to the credit bureaus. It 's absurd, we have NEVER missed a payment. We have worked so hard for our credit score, my  husband is XXXX and was literally offered his dream job today contingent on a credit investigative report and I came home to this mail. I am in a near panic. We have been trying to get this resolved for months and I was assured on my last call several weeks ago that it would be resolved and it WAS NOT. It should be illegal to do what they are doing. This is 100 % their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Auto loan is due on the XX/XX/XXXX of each month. On XX/XX/2019 I decided to refinance my auto loan. I reach out to my auto lender on XX/XX/2019 to informed them to expected a certified check by USPS. I gave Ally the certified mail receipt tracking number. Ally received the certified check on XX/XX/2019. on XX/XX/2019 I received an alert on my credit file that my auto loan payment was 30 days late. Ally reported this information to the credit bureau agencies on XX/XX/2019. I been in contact with Ally they keep telling me that they will investigate the issue, but there has been no resolution. Make matter worse I just received another alert on my credit file from the credit bureau agencies say my auto loan with Ally is 30 days late.

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 2018-05-16
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my Equifax credit report # XXXX appeared a fraudulent XXXX   XXXX XXXX account # XXXX opened on XXXX XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.

Company response to consumer: Closed with non-monetary relief