vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 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: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. I paid cash for the entire purchase price. I used the car for a number of years and recently attempted to sell the car only to find that there is a lien on the car through World Omni Financial Corporation, mailing address XXXX XXXX  XXXX, XXXX Alabama XXXX. This fact was confirmed when I went to my local Florida DMV office and received a screen shot of Active Liens ( See Attachment 1 ). I contacted XXXX XXXXXXXX at phone number XXXX and was told that had no active loan under my name or loan for the VIN number of my car and that they would clear the issue if I would send a fax to number XXXX. On XX/XX/XXXX I sent the fax ( See Attachment 2 ). Since XXXX is still listed as a lien holder on the title, I called on XX/XX/XXXX and spoke with XXXX and explained the problem. She told me she would release the lien on the title. I was grateful that I could now sell my car and asked if I could send a fax expressing my appreciation to XXXX 's boss ( See attachment 3 ). On XX/XX/XXXX I accessed the Florida Vehicle Information Check, XXXX is still listed as a lien holder ( see Attachment 4 ). Other attempts that I made to resolve this issue is to locate the original purchase agreement from eight years ago, unfortunately I can not locate it. I did not save a copy of the purchase agreement and the car dealership, XXXX XXXX XXXX XXXX, is no longer in business. I have reached out to the dealership 's successor with no response. My local DMV informed me that only XXXX can release the automobile lien. In over eight years, XXXX has never initiated any communicated with me either by phone or in mail regarding payments that have not been made. I have been told that they do not have records of a lien with me or records of an active lien with the VIN number I have provided. Why will XXXX not remove the inaccurate recording of the lien from the title?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I notified my loan company, Loan Care, about a decrease in my property taxes, which would save me considerable money on the escrow portion of my monthly payment. I contacted customer service with this request on XX/XX/XXXX. The representative I spoke with let me know that the escrow department would review my request and follow up with me within a week. Today, XX/XX/XXXX ( a week later ), I contacted Loan Care again because I had not received any follow up. The representative I spoke with informed me that Loan Care declined to adjust my payment because " they had not found any significant change in my taxes. '' I informed the representative that this was incorrect and she provided me with an email address to which I could send my complaint with documentation from the county, and explained to me that I would have to start ALL OVER by providing all information over again, in a brand new request. This is beyond frustrating and has a significant financial impact on my cost of living ( about {$400.00} a month! ). 

I also asked if it was possible to get my escrow account removed, so that I could pay my own tax bills. We have a XXXX XXXX and I understand that escrow is NOT required. The representative recommended I submit a separate request to the customer service email and informed me that there was no specific criteria for removing the escrow account and " sometimes they don't do it. '' This is troubling, because it is unclear to me, as a customer, what I need to demonstrate and what the criteria is to be able to pay my own bills ... rather than pay this third party company what amounts to an additional {$2000.00} a year to pay my bills for me. 

I am significantly concerned that the company failed to follow up the first time, conducted an erroneous analysis, that they will neglect to follow up on my current request, and that there is no transparency in the process around closing an escrow account. I am perfectly capable of paying my own bills.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, Transunion is reporting an open date of XX/XX/XXXX however XXXX is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Why would I submit a fraud or identity theft if they have not proved the information that it was my information that was used. How many people were born in 1976 and how many people named XXXX XXXX. I have told them to give me information that would prove to me that it was in fact that my identity was used. If they could do that then I can rightfully fill out an affidavit stating I did not authorize this. However, if I do the affidavit right now then I could be clearing someone else debt that actually may owe them by the name of XXXX XXXX. Please ask them to verify with more verifiable identification such as my social security number. On the affidavit they supplied to me this week, it is asking me for my social security number. I will not give them that information. If this is my debt they should already have it. Why are they refusing to supply it to me. I will not and should not be bullied into making a fraud report on someone if I do not if it is fraud on me without the proper verification. Look at that affidavit you are asking me for all my important information that you have EXPLAINED to me that you do not have. So why are you pushing this debt on me if you can not verify it is me. A birth year or birthdate and a name does not say it is me and I can not put fraud on this account without knowing if it was actually my information. Please remove this off of my account if you can not verify SOCIAL SECURITY NUMBER OR IDENTIFICATION. NOW IF YOU SUPPLY ME WITH THAT INFORMATION THEN I CAN NO LONGER ARGUE THAT ITS NOT FRAUD. IF YOU CAN VERIFY THAT INFORMATION THEN I WILL FILL OUT YOUR DISPUTE VERFICATIUONS TO THE FULLEST AND FOLLOW THE STEPS TO CORRECT THIS. HOWEVER, ONLY IF YOU CAN PROVE MY INFORMATION. SOMEONE OUT THERE OWES YOU AND YOU ARE WASTING TIME PURSUING THE WRONG PERSON,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX  XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have a prior complaint with Experian and as part of trying to resolve that CFPB complaint, Experian sent me a copy of my credit report because they would not take the info I sent them through the mail, even though I sent them all required items ( because they are trying to put me through XXXX to correct report ). I then followed the instructions in the report they sent me and wrote in area of disputed items why I was disputing and then used the online option to send back disputed claim.. However, in another attempt by Experian to put me through XXXX and not take my dispute, the website kept throwing out my submission. Therefore I can not submit online. CFPB quit XXXX around with these people and charge them with not adhering to fair reporting laws!!!!! I hear alot of people are going through the same thing I am, ENOUGH IS ENOUGH!! Also there has been a freeze request that was not adhered to.

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IL

Complaint narrative:
An account with Discover Financial Service was open by a Identity theft around XXXX Im not sure who it was My mom has an house keep that had acces to My familys file when cleaning the house and had been fire but I didnot have anyway to prove it because imhardly there we believe the information was possiibly passed on to someone else. I have no was of proving it that is why I got a police report and a complete Idenitiy thef package. but it is being ignored because the idenitiy thef stole all my information making it easy to pretend to be me and at the time was in my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Over the past year i have received multiple phones calls and letters from southern management systems. They reference a move out fee for an apartment I rented during college over 3 years ago. This particular move out/ cleaning fee was optionally paid during the beginning of my lease, namely the " express checkout fee '' option. I had paid this fee upon move in and thus they are not entitled to it again upon checkout. I have told them this over the phone multiple times to only receive a response of " mail us a copy of your lease proving that it has been paid ''. I certainly do not keep a copy of my lease of a college apartment from 3 years ago and after calling the apartment company they did not have a copy on file as they have changed electronic systems between this time period. I assume that during the change over it did not transfer that I had paid this " express checkout fee ''. After several more fairly aggressive conversations with representatives of southern management systems, where i am simply trying to explain the situation and get information about their claims, I made a statement that if it was necessary to take this to court I would be more than willing to. At which point the person I was speaking with stated that all further communication would have to be through mailed letters with their PO box . During this entire ordeal they never provided any evidence that the debt was legitimate, refused to communicate openly, and have threatened me with credit damage. If I do contact them by written letter I will be providing an attached invoice for my time they have wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times  everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is  affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sterling Credit Corp.
State: PA

Complaint narrative:
I have received several calls from this number : XXXX. Caller says the message is from a debt collector and gives this number to call back : XXXX. I have not talked to the caller and only know the message because a voice mail was left. I am not aware of any outstanding debt and I have not received any written communication from any company about money owed them. I think the call is a scam and hope you can handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please see uploaded documents. 

Regions Bank in XXXX, AL ( XXXX XXXX ) Mislead my brother and me into a bogus mortgage loan. We were told my brother could not get a regular mortgage because he owed the IRS, which he was currently, paying on schedule. Instead of giving my brother a real mortgage loan he setup what I have now been told a balloon loan that was due in 5 years. XXXX could have used the house that my brother had got through XXXX and XXXX auction as the collateral. The house was worth three times the amount that my brother was trying to borrow. There was no reason for my CD to be use for the collateral. As a result of how XXXX setup up this loan and never told either of us that the loan would be due in 5 years, something that I would have never agreed to had that been mention at the time, Regions cashed in my CD and took the money. Now, I am out of over XXXX+ because of Regions, unethical and discriminatory loan practices, plus Regions made a ton of money in interest on this bogus balloon loan. Three other local banks that explained to me what Regions did said my brother could have received a regular mortgage loan and would have never had to use my CD. The money that my brother was trying to borrow and what was owed to the IRS was less than XXXX still way under what the house was valued at. Plus my brother owned land and that was never mentioned. XXXX 's primary focus was my CD.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a consumer I view my credit report as I was getting denied for credit. As a result of this I have discovered 2 accounts reporting on my credit file that is identity fraud.. These accounts are from the collections agency on behalf of XXXX XXXX XXXX for {$2500.00} and XXXX XXXX XXXX XXXX for XXXX.. I have spoken to Equifax on several occasions and provided them with a copy on a police report that was file.. They have failed to remove the item off my credit report. In the event that I am trying to establish a life for me and my kids these fraudulent accounts are putting a hold on my life and I should not have to suffer nor does my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
In XX/XX/XXXX I had a personal checking account with BECU - in addition to this, I was co signer on my mother 's account, as I was her caregiver and she was on SS XXXX. 

A fraudulent and highly deceptive company obtained a judgement against me without due process of law ( I was not served any documentation ) and they garnished my mother 's account, BECU knew the only deposits made to my mother 's account were SS XXXX checks by automatic deposit. 

Because of this, I closed my account and and my mother passed away in the same month. 

In XXXX I opened a business account with BECU. I attempted to apply for a secured credit card but the teller mistakenly opened a personal savings account. I let it sit there for a few months and decided to stick some money into it. 

In XXXX of XXXX I was finally ready for an automobile loan and applied for one with BECU. First I was approved, and then denied because they said I owed {$38.00} from XXXX of XXXX. I asked them how come I didn't know about this, and they said because they had written it off. They also said they were going to close down my savings account in 30 days. 

Per the WA Statute RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. 

It seems to me this would protect me from any further grievances for a mystery debt I had no idea I owed, also how could I close an account ending with a zero balance and now they are saying I have a debt with them?????? 

Is this discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed an earlier complaint # XXXX. Citibank claimed in XXXX that the complaint was resolved. This is completely untrue. The bank locked my account and all the funds and therefore I could not take out any money nor close my account and remove all funds. Be advised I called Citibank 6 times this week, spend three different trips in the branch averaging 1 hour per trip. The Citibank branch on XXXX, XXXX XXXX had me sit at the desk for one hour at a time and then told me sorry your funds are locked up. This is more than {$26000.00} dollars. In the complaint where Citibank closed as resolved I tried to reach the rep noted 6 differnet times with no response nor any return phone call. I want the funds in a cashers check and I want to permanatly close these accounts. I am trying to understand how the bank can tell you this is settled when it has not been.

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