vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: Mitsubishi Motors North America, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I came in and got a new car after some deliberation and sales tactics. They ended up coming up with a plan to get me into the XXXX Mitsubishi XXXX XXXX XXXX XXXX XXXX, however once I left with the car ... that's when all support and action ended. Now my calls, texts and emails are ignored after clearly stating I wanted updates on the actions taken/pending concerning this issue. 

The salesman XXXX, and the two Finance Managers XXXX XXXX XXXX worked through my paperwork on the XXXX when I left around XXXX after getting in around XXXX... However a few days later I was sent an inquiry as to my satisfaction. To that date, my biggest dissatisfaction is the false advertisement pictured here showing that my brand new XXXX special edition SUV had Mitsubishi XXXX, and upon trying to activate and calling Mitsubishi XXXX... it doesn't have it. New XXXX special edition doesn't have the same features my spouse has on her XXXX XXXX  ... OK. False advertisement and misleading signage meant to infer I had a product I did not when purchasing a long term commitment new vehicle .... now on to the worst part of this. 

After sending the initial email and two more, combined with contacting their QA via text message several times, the branch manager finally contacted me and explained that while I did sign and purchase the vehicle on XX/XX/XXXX ... someone on their end did not do their job and as a result are causing me to suffer statutory and actual damages. 

Not only did they do hard inquiries against my credit several times on the XXXX XXXX XXXX, they then tried to get me to come up XX/XX/XXXX after FINALLY noticing that nothing was done on their part. One of their 'managers ' drove up that day to have me resign paperwork dated for XX/XX/XXXX on XX/XX/XXXX, in an attempt to be disingenuous. I had been trying to reach them for 2-3 weeks with no answer or response other than 'i will look into it ' from their emails, automated attendants, etc.. 

Now I have had two more hard inquiries to my credit outside of the 30 day period, my previous loan is now late and will damage my credit, and I still don't have a title from the XXXX ( expires XXXX and will likely incur tickets ) or the XXXX cashback refund they said I'd have within 2-3 weeks. 

This is the third vehicle I've purchased through XXXX XXXX 's family of dealerships, and with the way this interaction has gone ... it'll be the last and I'll warn every person I ever speak with to stay far away from this company.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On approx XX/XX/2023, my husband and I were notified by our mortgage provider, XXXX XXXX, that our loan had been sold to Mr Cooper. The letter informed us that XXXX XXXX would no longer accept payments from us and we should no longer send them any funds. On XX/XX/2023, we received an email from Mr Cooper informing us that our first payment is due XX/XX/2023 and while it did include a loan # and the amount due, it did not include an address to send payments. On XX/XX/2023, I attempted to contact Mr Cooper via phone. Their phone prompts did not recognize either social security # associated with the account, either phone # associated with the account, or the loan #. I then called Mr Cooper and was told by an associate that they have no record of our loan. After learning that, I contacted XXXX XXXX who told me that they no longer own our loan, they sold it to Mr Cooper, and they can not help me. We are now in a position where we know a payment is due in 7 days, but one bank is saying they don't own the loan and the company they claimed they sold it to claims they have no record of it. I am filing this complaint to protect myself from what I can only assume is an attempt to steal my home, assess late fees/penalties, and other damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
After I paid off the loan, I noticed they had not reported it to the 3 credit reporting agencies within 45 days ( supposed to report every 30 days ) That has since been reported to 2 of 3 agencies and I am working with the 3rd.

However, my main complaint is that when I emailed them to inquire about reporting status mentioned above, one of their employees was searching my home address and personal information. I know this because somehow they emailed me back a link to the XXXX search they performed, which included a XXXX XXXX search of my address. When I asked for an explanation for this, I was told 3 different times the issue had been " elevated to the appropriate department ''. I never received a response. I found this scary and extremely unprofessional to say the least. In fact, I feel I have grounds to seek compensation.. They never even apologized or gave any explanation whatsoever.. To be fair I never had issues with them during the course of the loan, it all occurred after I paid it off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: NY

Complaint narrative:
I submitted a complaint last XX/XX/2023 and the companies responded. They deleted and blocked some of the fraudulent items but there are still fraudulent items remaining on my credit report. I submitted a complaint again last XXXX XXXX and XXXX, 2023 and again it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
The loan that I originally took out was through XXXX. This loan was later sent to XXXX XXXX for collections purposes. While the loan was with XXXX XXXX, I paid a settlement to settle and resolve the debt. This settlement occurred in XX/XX/XXXX. I have proof of this settlement occurring, which I will attach. Once this settlement was conducted, the debt was properly resolved on my credit report and all seemed to be done with this debt. 

However, recently the debt was sold Velocity Investments , LLC, and now XXXX XXXX XXXX XXXX XXXX is attempting to collect on this already-settled debt. I was given a window of time to dispute that this debt was owed ( by XX/XX/XXXX ). I have attached the proof that I disputed this debt as required. 

Despite disputing the debt as already being settled, XXXX XXXX XXXX XXXX XXXX decided to pursue this already-settled debt, which reappeared on my credit report later in the spring as having a balance owed and showing missed payments after the settlement date of XX/XX/XXXX. 

I have reached our to XXXX XXXX XXXX XXXX XXXX twice now regarding this issue, and provided the proof of settlement information to them each time. Not only has the issue not been resolved, but they have not responded to my inquiries at all. 

I will be attaching the proof of settlement and proof that I disputed the debt through XXXX XXXX XXXX XXXX XXXX. ( I also have a video of me mailing the letter to them, to show that it was sent. However, this video can not be attached below but can be provided if needed. ) Additionally, I've included the screenshots of both emails I have sent to XXXX XXXX XXXX XXXX XXXX to try and get this issue resolved, both of which have received no response at all.

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 2023-05-25 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: GA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.

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 2023-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I made a payment last month to AidVantage3 which took my account balance from over {$100000.00} USD to under XXXX. My account now says my balance is {$100000.00}. This is not accurate and implies that fees or interest has been added without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank 2023 XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX. Register at regions.comXXXX using your personal code XXXX by XX/XX/2023 XXXX. Open a new personal LifeGreen Preferred checking account between XX/XX/2023 and XX/XX/2023 XXXX. Enroll in Online Banking within 30 days of account opening 4. Make {$1000.00} or more of total deposits transactions that post within 30 days of account opening *Exclusion ( document attached ) - " When the credit is issued, new account must be open and have a positive balance '' ISSUE :- With criteria achieved above, the bonus was scheduled to deposit BY XX/XX/XXXX as stated on the Regions Offer Tracker. My checking account hit a {$0.00} balance which triggered an internal logic that rendered the bonus " Excluded '' and transitioned the account into a " soft close '' even though funds we're placed back into the account within 5 days. 

- The exclusions do not state that a {$0.00} balance also makes the offer ineligible and does not supply a definition of " positive balance ''. 

- The exclusion states " When the credit is issued '', is impossible to determine when the credit will be exactly issued due to only stating a projecting date.

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 2023-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I started an account with MoneyLion ( XXXX ) and was approved for a loan of {$500.00}. This was approved and paid successfully with the last payment listed for XX/XX/XXXX. This acct was paid satisfactorily, which prompted me to use Money Lion a second time the following year. Starting XX/XX/XXXX I opened another installment loan with MoneyLion for another {$500.00} ( XXXX ). This acct was also paid in full and reported to XXXX and XXXX, with the last payment being made and reported on XX/XX/XXXX. Again this was satisfactorily paid all payments were on time and the acct has been in " Paid Staus ''. This concluded my business with Money Lion. I have never reached out for any further Installment loans, yet there is another that was opened fraudulently. Less than 30 days after my last payment and closing of the 2nd acct, there was another opened for {$500.00} on XX/XX/XXXX. ( XXXX ) This account is Fraudulent, I did not request this to be opened. I brought this to Money Lion, explaining that I have been a victim of ID Theft, and this acct opening confirmed it. My previous business with Money Lion was all payments made on time, and all accts paid in full. Yet this account has had not one payment made ( not like me ) and has since been a chargeoff and placed in a Derogatory Staus on my credit reports. I explained this to a Supervisor at Money Lion named XXXX XXXX She stated that the debt is currently rising and is now over {$500.00} due. I formally disputed this amount and requested information pertaining to the sign-up that was initiated on XX/XX/XXXX. I requested the XXXX XXXX XXXX with proof that I was the one who signed up. I was told that the XXXX XXXX would be investigating and will get back to me. They emailed me 2 days later and stated that due to the information they have in their system they are confirming their debt as mine, I have included a copy of the email decline. I feel that Moneylion did not investigate properly or they would see that not only did I only utilize Moneylion twice, but both times MoneyLion was paid in full with no issues at all. The nonpayment attached to the third should have this account associated with fraud, due to no one payment being made. If this was my account it would show payments made. I am consistent in paying back my loans.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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. 

Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 a 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.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card that was owned by another bank for many years. Comenity Bank purchased the XXXX card accounts and became the servicer for my card. Although I received several mailings from Comenity regarding the transfer of card servicing, I simply dismissed those letters as just advertising mail. I typically get 3-4 offers in the mail each and every day to enroll in a new credit card. I mistakenly thought the Comenity mailings were just another advertisement, I didn't even open the envelopes. After several months, Comenity finally called me and explained the change and that my payments were now overdue, which previously had been on Auto Pay for this card. My agreement with the previous card owner was set up as " Auto Pay, '' so I never had to worry about missing a payment. Comenity explained that the Auto Pay arrangement didn't transfer when Comenity Bank became the owner of my AAA card account. After I was notified of the situation, Comenity canceled the new card I was sent and re-issued another card, so it was impossible to access my account online to make a payment because of the different card number. Comenity said they also could not set up Auto Pay because my previous months payments were late. The problems just kept compounding! Once I understood the entirety of the situation, I paid the account in full. However, Comenity reported my delinquent payments to the credit reporting bureaus. I am simply asking because of the confusion surrounding the transfer of the bank serving the card account to Comenity, the lack of transfer of Auto Pay, and the re-issue of the card number, that the delinquent payments be removed from my credit report. As another example, I recently received a letter from Comenity, dated XXXX XXXX, that Comenity had sent me " the wrong terms and conditions by accident. '' This just illustrates the confusion inherent in the transfer of ownership of the card to Comenity, and that I am being unfairly penalized by Comenity submitting delinquent payment reports to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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