Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I purchased a car from my now ex-husband as a part of our separation agreement. The car was financed with XXXX XXXX XXXX XXXX when he was the owner. I applied for, was approved, and signed loan documents for the auto loan on Wednesday, XX/XX/2018. The bank manager that was at my document signing ( stated ) had not only " never done this before '' but was also being walked through the process by someone on the phone at corporate. Not only were documents missing, my ex husband having to be called back in to sign more documents, more phone calls to corporate, but he also told me that PNC would handle the title and I would have nothing to worry about. I would like to add that I do not feel at all this was his fault, but a lack of training from his superiors on the common products and processes that PNC offers. After numerous calls from him, XXXX messages with PNC bank, dozens of calls made to PNC corporate, including speaking with representatives from their Retail Escalation Unit to include XXXX XXXX, I have been told these conflicting instructions from varying members : PNC would handle the titling, I have nothing to do XXXX would send the title to my ex husband who would give it to me XXXX would send the title directly to the DMV, who would issue the registration XXXX would send the title to PNC corporate in Pennsylvania, who would handle the titling XXXX would send it to the local office, who would handle the titling XXXX would send it directly to me, to take to the DMV PNC needs more time to process the request I have called multiple times and been told multiple things. It has now been over three weeks since I signed my loan documents, with the first payment coming up on a car I can not even drive because it is not registered to anyone, and neither myself nor PNC hold the title currently. Yesterday ( XX/XX/2018 ) I was finally reached out to by XXXX who told me XXXX was sending it directly to me, to my address, which I confirmed with XXXX. She stated they either sent it out on the previous Friday, or they were sending it out that day. Today, ( XX/XX/2018 ) I received notification from my ex husband that he received the title ( XX/XX/XXXX ), at his address, with the title still in his name. I yet again reached out to PNC on XXXX and was asked for a third time for my name and number so someone could resolve this to me. I told them multiple times I would be submitting a CFPB complaint over this atrocity.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

The person that they delivered the summons to wasn't me. The physical description listed doesn't match mine. If the server gave it to the wrong person without checking an ID, that would mean that you further violated my privacy. I want proof that you even had authority to have anyone be contacting me. Nobody has been able to provide me with a single signature on this account. This seems like Johnson Mark is just trying to steal money. They claim they deliver a summons so that it appears like they did. It looks like all you have to do is enter a physical description. Where's a photo of the person you served it to? Where is a photo of the person that served it to me. I highly doubt that this process server exists since none of them can provide a photo of this person. If you actually served it there needs to be more proof that someone who is PAID by you to say they delivered it. They have EVERY INCENTIVE to lie to get paid. If the lawsuit goes on without the person knowing about it, how would they ever really know? Since this is a case of identity theft, you will need to provide more than just your word that it happened. 

You intentionally made up this story so that you could steal money from me and many others. You had or your client had NO RIGHT TO CONTACT ME TO START!!!! You don't have a single signed agreement from me to have even set foot or contact me in any way. So, PROVE that you had the right, FROM ME, that you should have had any information of mine. YOU DON'T BECAUSE THESE ARE FRAUDULENT ACCOUNTS!!!!!!!
Complaint sub-issue: Public record information inaccurate

I was in an accident on XX/XX/XXXX when a car ran a stop sign and ran directly in to my car. I have an accident report stating that the driver of the other vehicle received a citation and was at fault. I recently bought a new car and when I was getting insurance on it the report came back from Lexis Nexis Risk Solutions stating that I was responsible for the accident therefore increasing my insurance rate by {$200.00}. My insurance agent tried to dispute the claim and was unable to do so. I have been trying to dispute the claim myself this week. I've called the number that they provided ( XXXX ) three times on XX/XX/XXXX at XXXX, XXXX, and XXXX XXXX and was unable to reach a representative and continued to get to the part that requested the state. I stated " Iowa '' each time and it was not recognized every single time. Then the call hung up. I got online and found an additional number to call ( XXXX ). Again, they requested state and I was unable to go any further. On XX/XX/XXXX went online to the website that they provided for disputing claims ( https : //consumer.risk.lexisnexis.com/request ). I entered all of the required information, including my social security number. The website stated " An internal error has occurred and we are not able to process your request. Please try again later. '' I found another number to try for a 24 hour assistance line ( XXXX ). I pressed three for the prompt to talk to a representative. The recording stated that I will have to call back during business hours. I will try to call back tomorrow, again. Very frustrating situation with Lexis Nexis Risk Solutions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a collection on my account from XXXX XXXX XXXX requesting verification of this debt..i have also submitted 3 requests through CFPB and each of those complaints came back that this collection company is not responding, i have sent certified letters to this collection agency also and never got any responses either, when i dispute with Equifax each time they just say it was verified despite me asking constantly for verification i have no knowledge or verifications of this debt, i disputed with XXXX and XXXX and they been removed it but equifax has yet to verify or provide me with anyrhing this is unfair to be being reported and despite my multiple attempts to verify i still get no responses and also when CFPB sends complaints they dont respond back to them neither
Complaint sub-issue: Their investigation did not fix an error on your report

the credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.
Complaint sub-issue: Investigation took more than 30 days

I am a victim of identity theft and I have been trying to remedy the impact of this on my credit file. I have been submitting documentation in reference to fraudulent account san they are still reporting within my credit file. The accounts stay in " investigation '' for months at a time with no resolution. At this very moment I am unable to dispute or upload supporting documentation as they are currently under dispute. These accounts are fraudulent. The fraudulent accounts are XXXX XXXX in the amount of {$420.00}, XXXX XXXX in the amount of {$370.00}, XXXX XXXX XXXX XXXX, XXXX, and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : 1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I contacted Enhanced Recovery Company ( ERC ) in regards to an account listed on my credit reports. I requested validation for this account in which they responded with the attached documents. The document was a bill for which I have no knowledge of that was dated for XX/XX/XXXX. As you know, the statute of limitations in the state of South Carolina is 3 years and the debt can remain on the consumer 's report up to 7 years. It has now been almost 11 years and this debt is still showing up on my account with a balance of {$38.00}. I request that this collection account be removed from my report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I realised that some of the information on my credit report is incorrect when I checked it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to authenticate these accounts ( A ). It is not permissible to fail to authenticate these reporting accounts as unverified information without presenting any proof within the time frame specified by law. My credit report shows the following accounts that need to be examined and repaired due to erroneous reporting in my file : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}
Complaint sub-issue: Sued w/o proper notification of suit

I was sued by a creditor other than the original without properly notifying me of the lawsuit. The debt collector, Vion Holdings LLC, knowingly filed the lawsuit in a court that was outside the County where I live. After obtaining a judgment they were able to collect exempt funds ; levied my bank account for an amount that exceeded the original debt that had been timely disputed. They sent correspondence to me at my correct home address which enabled me to dispute the debt.The funds were seized while I was out-of-state to enroll my daughter at the University XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I was told be Equifax, using their online tool, that my information may have been implicated in their recent security breach or hack.
Complaint sub-issue: Debt was result of identity theft

Ive been receiving different Collections notices Attached to XXXX XXXX XXXX XXXX  from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was Dynamic recovery solutions who Never answered my Complaint with the CFPB regarding this matter and now XXXX XXXX XXXX XXXX has sent this Fraudulent debt to ATG Credit , LLC I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and XXXX XXXX XXXX keeps circulating the fraudulent debt around with knowledge its Fraudulent.
Complaint sub-issue: Problem with personal statement of dispute

I am filing this complaint against XXXX XXXX XXXX and Jefferson Capital System violating my rights under the FRCA and  FDCPA. I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX. As a consumer according to the Attorney Generals Office claimed that XXXX XXXX XXXX subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default.

I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC.  Against XXXX XXXX XXXX and Jefferson Capital System :  Account # XXXX or XXXX. If they dont delete these items from my credit report for the violations to forwarded it to them. So, they can file legal actions. 
This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; XXXX XXXX XXXX Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with XXXX XXXX XXXX XXXX XXXX resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that XXXX XXXX USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 
Under the terms of the settlement, XXXX XXXX XXXX will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 
Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office. 
I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit. 
I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint is in respond to Jefferson Capital System LLC attachment on XX/XX/XXXX. 
You should also inform XXXX XXXX XXXX that there charge off be removed from credit report under there names this is under terms of relief for the consumer : engaging in credit repair for affected consumers.

Please remove these items with every CRA asap. Also send me a letter from both Jefferson Capital System and XXXX XXXX stating it will be removed.
Complaint sub-issue: Banking errors

Two checks for repairs were issued by insurance company to customer. Both checks had customer 's name and repair facility 's name on them. Customer was allowed to cash both checks with only customer endorsement. Now customer refuses to pay balance owed to repair facility.
Complaint sub-issue: Information belongs to someone else

So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.
Complaint sub-issue: Debt was paid

This is a medical bill that was processed by XXXX XXXX and they do not process my medical bills to my insurance correctly. Because they can not be reached by email, I have to call their Patient Financial Services Department on the phone and there is no written record of the conversation and they always tell me, don't worry, don't pay it, we will bill your insurance, but they don't do it correctly ( or at all ) and then the bill does not get paid and XXXX thinks its delinquent and turns in to collection. 
I have been getting letters from the Collection agency USCB XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX since at least 2009. I can send you copies of collection notices from them since 2009. And complaints filed with your office as well as CDMHC. 
I am also a XXXX patient at XXXX XXXX XXXX XXXX XXXX, and they bill my insurance correctly, then XXXX bills me for balance, they never make mistakes and I pay the bills on time and never late. But XXXX bills are always billed incorrectly, due to XXXX 's inefficiency and unfamiliarity dealing with a private insurance company for their coverage, and consequently it appears on their records that I don't pay the bills. 
My insurance does not permit me to pay the bills and get reimbursed, they pay their insurance amount and then XXXX is supposed to bill me for the balance. 
This has been going in since 2009 but XXXX doesn't get it right, and USCB calls me, and leaves threatening messages. I finally disconnected my home phone. And I have been receiving collection notices from USCB since 2009 most for bills that were paid. I am XXXX years old XXXX patient, all my bills with other medical providers are current. I want to file a complaint against USCB for Elder Abuse. I know I cant file against XXXX Patient Financial Services because as I have been told by Dept of Managed Health Care, they are not an HMO. So I am left with few options other than your department for Consumer related issues. I am running out of options to stop this incessant billing and notices every year. 
And I told XXXX I refuse to correspond with a collection company and will never pay any money whether owed or not to USCB or any other collection agency for errors and omissions that are XXXX 's fault.
Complaint sub-issue: Attempted to collect wrong amount

XXXX Mortgage XXXX XXXX XXXX Mortgage XXXX ( " XXXX '' ) by and through Duane Morris LP ( " Attorneys DM '' ) and the latter 's employee XXXX XXXX ( " Attorney XXXX '' ) caused a false response to be forwarded to the Consumer Financial Protection Bureau ( " CFPB '' ) by use of wires in violation of 18 U.S.C. section 1343 that is enclosed hereto as Exhibit A, by falsely stating that I defaulted upon the subject mortgage loan as of XX/XX/XXXX, contradicts the XX/XX/XXXX date of default declared under penalty of perjury by XXXX 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by foreclosure debt collection complaint filed XX/XX/XXXX under Docket No. : XXXX, a true and correct copy of which is enclosed hereto as Exhibit B. 

Within the XX/XX/XXXX response to the CFPB enclosed hereto as Exhibit A, XXXX by and through Attorneys DM and Attorney XXXX are concealing approximately {$21000.00} in monthly payments that I made towards the subject account from XX/XX/XXXX through XX/XX/XXXX, of which approximately {$16000.00} was cashed by XXXX 's predecessor and / or affiliate XXXX XXXX XXXX XXXX ( " XXXX '' ) and never credited towards the subject account. I hereby ( submit ) again to the CFPB as Exhibit C checks totaling {$15000.00} that I made, XXXX  predecessor XXXX cashed and failed to credit my account for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I further submit ( again ) to the CFPB as Exhibit D checks totaling {$5100.00} that I made, XXXX  predecessor XXXX received and rejected without good cause for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

I further object to and reject the false statement made within the response electronically submitted to the CFPB by XXXX through Attorneys DM and Attorney XXXX, that XXXX has provided me with all the information that I have been requesting since XXXX of XXXX to present date by way of debt validation letters, qualified written request, and presentation of transferable record pursuant to applicable federal laws, for which they have responded with : ( 1 ) incomplete responses ; ( 2 ) no responses at all ; and / or ( 3 ) contradictory and / or forged evidence. 

Essentially, XXXX as the successor of XXXX has stolen at least {$15000.00} from upon taking and cashing the payments that I made to XXXX Loan for the months of XX/XX/XXXX through XX/XX/XXXX without crediting the subject account. Attorneys DM and Attorney XXXX are, essentially, aiding and abetting said theft of my monies and attempted theft of my property by XXXX as the success of XXXX upon falsely stating to the CFPB on XX/XX/XXXX that I defaulted as of XX/XX/XXXX XXXX See Exhibit A ) when the evidence that I have enclosed hereto as Exhibit B ; Exhibit C ; and Exhibit D demonstrates otherwise.
Complaint sub-issue: Company closed your account

Discover card is horrible they said that I was randomly picked for verification and I sent in and signed everything they needed through XXXX  and XXXX  sent me an email confirming that everything was done and accepted. Discover still didnt fix my issue with my card so I called and was told that it takes some time but I could upload three months of back statements and it would speed up the verification. This is all crazy because I had already had the card for several months and made payments before due dates because I very particular about my credit score. I think Discover is a scam on these secured cards where you are trying to build your credit. Total scam
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX  that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX XXXX is showing Im late 90 days 20 times how can this be if this account is charged off? Citicards cbna is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report
Complaint sub-issue: Problem with personal statement of dispute

after several attempts to get the accuracies corrected across all three bureaus sending certified letters the only answer i get in return is verified the account is in dispute but isn't flagged for dispute balance owed is way higher than the high balance and no-one can tell me how or why