vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 00:00:00
Product: Vehicle loan or lease — Lease
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: U.S. BANCORP
State: TX

Complaint narrative:
I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). 

I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. 

US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. 

I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. 

This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: AL

Complaint narrative:
The document XXXX XXXX has uploaded is NOT VALID. I have mailed XXXX XXXX  a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XX/XX/XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at XXXX and at the dealership who worked with her to cook up this fabricated MESS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: KS

Complaint narrative:
I have reached out to XXXX XXXX to validate this debt and I was told that there is not any debt owed to them in the amount of {$1100.00}, I have requested that National Credit Systems validates this debt and they have not done so. I am requesting that collection ceases for a debt that is not owed and removed from all three credit buearu 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX not mine COLLECTIONS XXXX XXXX XX/XX/XXXX {$1600.00} not mine INQUIRIES XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2018-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have four credit accounts through XXXX XXXX   which has continuously lowered available credit amounts, and ultimately affecting my credit score. I received a letter from them stating that based on my credit report they are closing one of the cards I have with them .... that has been paid off for months. This company contributes to poor credit ratings of consumers by continuously lowering available credit limits which looks bad on credit reports and closes accounts that are paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: IL

Complaint narrative:
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/2016 unauthorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX I received an approval for a trial period loan modification. I signed the form and returned the document on XX/XX/XXXX. 

I am filing this complalint because as many home owners this loan servicer is not applying the payments correctly. The payment was due on XX/XX/XXXX. According to the documents the 1 trial period loan payment needed to be received by the last day of the month. 

Well I did my part, paid XXXX XXXX URGENT delivery for the same day for OCWEN to collect the funds. OCWEN LOAN SERVICING BROKE MY AGREEMENT. According to the automated system Ocwen applied my first trial payment on XX/XX/XXXX. 

Ocwen needs to be investigated and shut down. DID I KNOW THIS WOULD HAPPEN AGAIN, XXXX. This information needs to be forwarded to the investor of my mortgage as well to show that OCWEN is XXXX UP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: IL

Complaint narrative:
asked them to send me proof paper mail regarding this matter but they continue to call consistently 4-5 times a day

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 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/2017 I am being hit with a hard inquiry from Discover Card. 
This was fraud as I did not apply for another Discover Card as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: NC

Complaint narrative:
I made a purchase from XXXX XXXX XXXX in XX/XX/XXXX, I lost my employmentXX/XX/XXXX In XX/XX/XXXX I negotiated a settlement with Conn 's and set up for payments to be deducted from account to settle the debit. File number XXXX  the payments were Debited from my account by Conn 's on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXXfor XXXX   XX/XX/XXXX for XXXX  &XX/XX/XXXX for {$110.00}. I spoke with Conn 's in XX/XX/XXXX and requested if the final payment could be split into 2 payments and I was advised that this could be done and it was set up for the final payment to be deducted in XX/XX/XXXX. I spoke with Conn 's after the final payment was completed and was advised that I would receive a paid in full statement in a few weeks. In XX/XX/XXXXI was contacted by a collection agency that my account had been sent to the by Conn 's, I advised them this account had been paid in full through a settlement with Conn 's. I sent proof to the collection agency who filed a case with Conn 's but per XXXX XXXX of XXXX XXXX Conn 's never contacted them back to settle the account. InXX/XX/XXXX I spoke with XXXX from Conn 's legal department and was provided case # XXXX and told this would be cleared out it is now XX/XX/XXXXI spoke with XXXX in the Corp Customer Service office and was advised that he had requested a close out on XX/XX/XXXX and he would add to the case to get more info to allow another 2 weeks. This is on my credit report and is affecting my credit score, this debt was paid but it looks as though it is not and Conn 's is doing nothing to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My wife and I re-financed our 1st mortgage and home equity loan with PNC Bank, NA back in XX/XX/XXXX. PNC Bank had sent our one of their 3rd party appraisers to our home. The appraisal came in much too low and they indicated that we could go and get another independent appraisals done on our own. We did just that. Our licensed appraiser came in at {$55000.00} higher than the PNC Bank appraiser. PNC Bank will not accept our appraisal or at least meet us half way between both appraisals, thus we had to take out additional funds onto our home equity loan which in turn interest rate and the amount that we had to place on the HELOC. A recent home in the area just sold for almost exactly what our home appraiser indicated exactly what the price in the area would be. I am disputing the PNC appraisal and would like PNC Bank, NA to accept our appraisal and re-adjust the HELOC so that the funds go back onto the 1st mortgage and the lock in interest rate we have with them and lower the interest rate back to the original HELOC interest rate that we original had before we had to re-fi the HELOC. Both are at 3.5 % interest rate. We has sent numerous letter, e-mails and telephone calls to PNC Bank but they will not do anything about it. Appears to be unethical business practices on the part of XXXX XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: NY

Complaint narrative:
XX/XX/ 2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
transunion and XXXX were also gon na remove it but still have yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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:
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX  and equaifix were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 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: CORELOGIC INC
State: NY

Complaint narrative:
XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them.

I was told this inquiry would be removed and still hasn't XXXX  and XXXX were also gon na remove it but still have yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: U.S. BANCORP
State: CA

Complaint narrative:
I contacted US Bank on XX/XX/XXXX to inquire about the process to pay off my auto loan as I wanted to sell my vehicle and needed it paid off and title in hand to do so. I received the payoff quote and after trying to pay it off online, which their website wouldn't allow, I called back to pay it off electronically, as they said it would be much quicker to receive the lien release on my title if I did an electronic funds transfer instead of mailing a check. I initiated an electronic funds transfer for the full payoff amount that day and was told by the US Bank representative that I spoke with that the lien would be released electronically to the California DMV within 2 business days and my title would be mailed directly from the DMV. I contacted US Bank again on XX/XX/XXXX as I checked the title electronically on the DMV 's website and confirmed that the lien had not yet been released. At that point in time I was first told that my title is not held electronically and that it could be up to 30 days before I receive it. I was upset and after the person spoke to someone else he returned and advised that he was incorrect, that the title was electronic and that the title would come from the DMV once they released it, but that they take approximately 7-10 days after receiving payment before releasing it. This is not what I was originally told and is jeopardizing my ability to sell my car. They told me they have to make sure the funds are valid and I don't stop payment, yet it was an electronic transfer and my funds cleared my account on XX/XX/XXXX. I also believe the DMV in California has a 3 business day requirement from receipt of payment before a lien has to be released and they are violating this requirement by holding my money and not releasing my lien. I also have been provided zero proof that I paid off my loan, they refuse to provide me with an email or fax confirmation/receipt and my loan has now disappeared entirely from my online account. I feel like I can't prove my loan was even paid off yet.

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