vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with Macy 's that I did not create. I called Macy 's credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the Macy 's credit card account information the was on my credit monitoring site and mailed it to Macy 's ( XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from Macy 's and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with XXXX ( report XXXX ) I received the dispute results and they say they are not going to remove the Macy 's card from my credit report. They state Macy 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called XXXX at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.

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 2021-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
On XX/XX/2021 I went for a loan at title Max on baseline in XXXX to take a title loan out on my XXXX, then offered {$750.00} on a car that I paid {$20000.00} for. I made my first payment yesterday of {$110.00} and they are saying I still owe {$760.00} on the loan charging a rate of 179 % apr and 14 % monthly interest. This way I would end up paying them {$2800.00} on a {$750.00} loan over a period of 23 months. This is predatory lending! I would never get it paid off this way they arent applying the money Im paying towards the principal, only to the interest which they are charging, which is more than the Arizona law states they are allowed to charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I inherited a vehicle when my fiance died in XX/XX/XXXX. The car loan had been paid completely off just a month prior to death. I attempted to obtain the vehicle title when it was never received after pay-off of loan. I called the servicer, Chrysler Capital, and spent approx an hour trying to navigate the automated system, was placed on hold, and my call was " dropped. '' This went on for 2-3 cycles. I decided to write to the address shown on the statement, also sending CA XXXX forms for the lien release, etc. I did that in XXXX or XX/XX/XXXX. I never received a response. Then the pandemic hit and I quit trying out of frustration. The calling/automated phone system at this company is nearly impossible ALL the times I have called, and the frustration level was off the chart. I gave up. Well, it is now 2.5 years later and I still have no title. I went to the XXXX office to see if I could get it there. They advised me that I had to get it through the Chrysler Capital title dept. 
On XX/XX/XXXX, I took this vehicle to XXXX to sell it. I need the money to cover my bills for the next few months since I have been off work due to a XXXX XXXX. 
Once again, the cycle of phone frustration in reaching someone at C.C. to request title began. 
The service assistant at the dealership and myself were tied up on the call for nearly an hour trying to pin them down on what was needed to get this done. I was asked to fax the death certificate, dmv forms, a copy of the Will/Revocable trust were submitted. 
I asked for an estimated time frame for which I might expect the lien release and the title to be mailed but was not given anything. They said I wasn't privy to that info until the documents were reviewed. ( The customer service girl at XXXX said it could be 30 days. ) I do not have 30 days! I have already been terribly inconvenienced waiting 2.5 years! 
I faxed a demand letter to Chrysler Capital on XXXX politely asking for them to expedite this review and process my request. I am out of time and that vehicle is indeed my property. There is no question or dispute regarding the pay-off of loan. 
This company is stalling the process since XX/XX/XXXX as far as I am concerned and I can not wait. 
The other thing I thought the loan company said was that I would need to go to a third-party website in order to order ( AND PAY ) for the title. I sure hope that doesn't apply here! 
WHY should I be forced to pay a fee for this title which should have been sent IMMEDIATELY upon their receipt of the pay-off final payment? 
I don't know the URL of the website so I did a general search and it appears that the fee is as much as {$150.00} to obtain the lien-free vehicle title! I will not pay that fee. I need help to get this whole problem resolved and that is how I came to you. PLEASE kindly help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The following accounts on my credit report are NOT mine. I have never applied for OR authorized anyone to apply for these accounts. This is a violation and the accounts need to be deleted from my credit asap. I have tried to call the creditors myself to resolve the issue but they can not find any account under my social security number. I believe the credit bureaus are misreporting these accounts onto my credit report when it belongs to someone else. Please investigate immediately. 

Old Navy XXXX XXXX XXXX XXXX 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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES KEEP CALLING FROM DIFFERENT TELEPHONE NUMBERS ALMOST ON A DAILY BASIS TO KEEP HARASSING AFTER TOLD NOT TO CALL ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX I spoke with a representative at Transunion, XXXX, and XXXX about inaccurate information as well as some inquires that I did not authorize on my credit report. I was told to dispute by mail which is what I did. On XX/XX/XXXX I mailed off dispute letters to Transunion, XXXX, as well as XXXX ; which all included the most up to date drivers license in my possession as well as a copy of my social security card. All were sent certified. I received a response by mail on XXXX XXXX from XXXX which stated they needed items already provided in the first letter which asked to delete if they couldn't verify the accounts or inquires. On XXXX XXXX I saw that XXXX did reinvestigate online but did not verify the account accurately and continued to report inaccurate information which is an FCRA violation. I have yet to receive a response by mail from XXXX which is also asked in all disputes. I received a response on XXXX XXXX from Transunion in reference to a explanation of my inquires which is not what I asked for in that dispute. I did not authorize the inquires disputed and I feel my consumer rights have been violated by all three companies.

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 2021-11-04 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: FL

Complaint narrative:
I have been dealing with XXXX  XXXX XXXX Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX NE, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( XXXX  XXXX XXXX ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have not received adequate documentation after submitting letters for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I mailed a debt validation letter to GREAT LAKES in regards to a loan listing they alleged I owed. In pursuant to 15 USC 1692g I have the right as a consumer to request validation of any debt someone allege I owe them. I received a response letter from GREAT LAKES dated XXXX XXXX, which did not validate the alleged debt I owe them. In fact the response letter didnt mention anything pertaining to a debt as I requested validation for. 

GREAT LAKES has violated several of my consumer rights, by not providing me with competent evidence that I owe this alleged debt theyre claiming I owe them, as I noted in the attachment labeled EXHIBIT A. 

In addition to the EXHIBIT A sheet Ive attached my Affidavit of Truth and CEASE and DESIST letter, which were mailed to them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: WA

Complaint narrative:
Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with XXXX 's that I did not create. I called XXXX XXXX credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the XXXX 's credit card account information the was on my credit monitoring site and mailed it to XXXX 's ( XXXX XXXX XXXXXXXX ; XXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from XXXX XXXX and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with Experian ( report XXXX ) I received the dispute results and they say they are not going to remove the XXXX XXXX card from my credit report. They state XXXX 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called Experian at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.

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 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previosuly notifeid transunion that I am victim of identiy theft. There are fraudulent items on my Transuion credit report only. I woulnd like to know how can trasunion verify fraudulent information as accurate. How was the faudulent information verified and what dates? 
this definitely not fair to me that I should be punished for someone else error.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The experian website has my year of birth incorrectly listed. I've tried to submit a correction request online but keep getting directed to call and speak with one of their representatives. I've called them multiple times at ph XXXX and ph XXXX but can not get a live person on the phone.

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 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I never received full disclosure from Ally Financial prior to taking my vehicle. I attempted to contact them to find out if they closed my account and reported false information to consumer reporting agencies. They provided an address where they were unable to be reached. I was never fully informed as my questions were not answered. As of right now they are still making inquiries and reporting an account that was created with Truth In Lending Act violations 15 USC 1611. They received over {$10000.00}. in the form of down payment to dealership and monthly payments received via ACH under false pretense.

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 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
In XX/XX/2021 I was contacted by a loan officer by the name of XXXX XXXX at Carrington Mortgage Services to do a refinance with them to lower my mortgage payment. I already had my mortgage with Carrington done 2 years prior, Carrington had recently increased my payments. so I requested a refinance and received the Disclosure documents. This was suppose to be an FHA streamline and was told we would be closing in XXXX. On XXXX XXXX was the last time I heard from Mr. XXXX. On XXXX XXXX I called the company after hearing nothing from Mr. XXXX. I was then transferred to a Mr. XXXX XXXX. On XXXX XXXX I received a confirmation number. On XXXX XXXX received information on the closing process for th refinance. On XXXX XXXX received another Disclosure document.. On XX/XX/XXXX, received another disclosure document. On XX/XX/XXXX received an email about an FHA case number. Spoke with Mr. XXXX about paying my mortgage and he suggested I hold off in paying my mortgage because we should close before 30 days On XX/XX/XXXX was cleared to close, then I received another set of Disclosure documents to be signed that night, in which I had technical issues with my computer and those papers didn't get signed that night, and the closing was canceled. On XXXX XXXX received more disclosure documents. On XXXX XXXX received an email that we would be closing on XXXX XXXX at XXXX. Then on XXXX I received an email from Mr. XXXX that the closing was a mistake and we wouldn't be closing on XX/XX/XXXX. Then there was silence no one from Carrington since the closing cancel.On XXXX XXXX I sent an email asking for an update. Received an email back from Mr. XXXX that if we didn't get a closing by XXXX there wouldn't be a closing for XXXX. Spoke with the Supervisor XXXX XXXX on XXXX XXXX explainig that the title company was the hold up for the past 4 month because everytime my mortage balance changes such as paying my mortgage, Carrington has to resubmit the paper work to the title company. I then asked when will this end because I have to pay my Mortgage, He had no answer for when this situation will ever end. On XXXX XXXX I received an email stating that the title company had changed. Something is wrong with all this at this rate it looks like I will never get a refinance closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my account {$220.00} that consists of 6 overdraft fees even though I have draft protection. In all my years, as a Bank of America customer, even if an overdraft fee was assessed, which was rarely, Bank of America would credit the fee back within days. This time, it has been a month yet no credit. I find it unethical and illegal to assess a {$35.00} overdraft fee on an amount less than that. For example, I was charged the {$35.00} fee on a payment of {$22.00}. 4 out of the 6 payments were well under {$35.00}. This pushed my account even further negative and completely ruined my budget. A few days later I got paid to make the account positive. The only reason my account went negative in the first place is that my employer was weeks behind paying. All of my fellow XXXX  including myself were unaware of this delay. As a Bank of America customer for over 10 years I should not have to be exposed to such egregious behavior especially thru the difficult times we are in.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Hard Inquiry from department store " KHOLS/CAPONE '' without authorization on XX/XX/2021. I called multiple times to rectify the concerns and I was transferred around until the automated system hanged up. Phone number of the company XXXX and XXXX on Credit Report.

Company response to consumer: Closed with explanation