vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
~5 months ago was started being denied the use of my earned points on vender sites. When I tried logging in to the Chase CC site to check the status of my account and points to see what the issue might be, I kept getting errors. So I called their help line and after sometime on the phone with frontline support my issue was " escalated '' to get the problem resolved. I was told I would be called within 5 business days. 3 months later I called and asked what was going on. I was told by frontline support that there was no ticket open. So a new ticket was created and I was told I would be called back in 5 business days. Sometime after 5 business days I called them again and was told nothing had been done on the issue but they would escalate the ticket. I was transferred to someone who was escalation who was supposed to solve my issue. He said he would escalate it to someone else and I would be called back. After a few days I talked to this same " escalation '' guy and he said there hasn't been a solution yet but he would escalated it and someone would call me within 3 business days. I asked to be transferred to a supervisor and he said he was a supervisor and refused to hand me to anyone else or transfer me to the new " escalation '' team. It's now 2 weeks later and there is still no call back from them and I'm still unable to use my points or login to check the status of my account. I believe they are simply giving me the runaround and nobody is actually working on my 5 month old problem. This essentially denies me access to the points that they agree that I've earned and have a right to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a home located at XXXX XXXXXXXX XXXX XXXX XXXX, Fl. shortly after I applied for XXXX XXXX XXXX. On XX/XX/XXXX my house was sold due my husband and I divorcing. The XXXX XXXX XXXX equipment was shipped back to the company and the services were paid for. I have disputed the creditor on several occasions. The information listed on my credit profile is not accurate, the account was originally opened in XXXX not XXXX. This account does not belong to me that was opened in XXXX. The name of the creditor is either misspelled or is completely inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
We moved from XXXX XXXX XXXX XXXX  and have been trying to get TDAutoFinance to release our title to our new insurance company. 
I messaged TD via their portal XX/XX/XXXX to update them that we have moved and need to register our car in XXXX On XX/XX/XXXX I updated our address with them to reflect the move the XXXX and asked our insurance company to request the title to proceed with registration. By XXXX, nothing had happened despite calls and messages so the insurance company re-requested the title XX/XX/XXXX. 
In the interim, TD has given me multiple stories over multiple calls center and multiple hours and still WE HAVE NO TITLE. It is now XX/XX/XXXX. This has been going on for XXXX months. We are required by law to register our car in XXXX  but TD is impeding our ability to do so! Also, we have not finished paying off the loan but I couldn't find a better option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
XX/XX/2024 To Whom It May Concerns, My information was bought and sold illegally because I was a victim of the XXXX XXXX breach. I want these items removed from my credit report effective immediately. I am attaching proof that XXXX has done nothing. Please help me delete these item from my report. I am listing all my information below. I am attaching proof that XXXX has admitted to the data breach and I was a victim and my information was leaked. 


Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On Tuesday, XXXX XXXX, we requested to payoff the loan for a car we purchased on Saturday, XXXX XXXX. XXXX XXXX XXXX added a more than {$170.00} charge to the purchase amount, less than one business day into the loan. 

The agent on the phone said it was the interest accumulated. We explained that the contract we signed said that interest would not be charged until XXXX XXXX, XXXX. He said that he could not escalate the issue because the managers were not in the office. I explained that I was ready to pay off the loan for the full loan amount agreed to in the contract and that we can talk about the fee another time when the manager is available. He said he couldn't do that. He put me on hold three times over at 58-minute period and then hung up the call.

I am currently on hold again trying to get this car paid off. I do not think its acceptable to charge $ XXXX in interest for a loan that is less than one business day old and those are not the terms of the contract. It specifically states no interest until XXXX XXXX XXXX 

I am also registering this complaint with Kia Finance as well.

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 2024-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: IA

Complaint narrative:
Unfortunately, I do not have exact amount and online payment history is limited to just the past three years.

Throughout the years of repaying Discover Student Loans, I had various unexpected costs that occurred that prevented me to pay Discover Student Loans. Whenever I would call to make arrangements, I was always presented with pay in full or utilize one of their several entrapping forbearance or payment pause solutions. 
My student loan payments with Discover started around the upper {$500.00} to low {$600.00} range and now increased to nearly {$1200.00} per month. 
After a few financial situations throughout the years when I would contact Discover for relief, I figured it out that their plans hurt me long term more than help. But trying to increase and/or preserve my credit score, I would obliged to Discover 's entrapping solutions. Nearly each time I would discuss matters with Discover, representatives would pepper me with questions regarding my student loans with other companies and would advise me to discuss relief with my other providers rather than Discover discuss my loans as my bill with Discover was three to four times more than my other loan providers and is now currently six times more.

When I would advise Discover my other loans were manageable and that Discovers loans were most troubling, Discover representatives would attempt to direct me to my Federal student loan provider. Again, when I advise my Federal loans payments are my lowest payments and most manageable, Discover representatives would then discuss ways to " help '' me. Per usual, the help was either pay in full or utilized one of their forms of forbearance. 
When I would ask is there any other method that decreased payments while also preserving the credit score I was attempting to rebuild, I would be told no.

I further questioned if I am having difficulties paying the amount owed at the time and monthly payments would increase once the program ended in a few months, how does it help overall. Of course they advised of the immediate " benefit '' but would be told those are the only options. 
Fast forward years later of attempting to stay afloat, I find myself in dire financial straits and owing nearly $ XXXX  month and exhausting every money option to stay afloat. 

Discover Student Loans should be held accountable for their predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is showing that i have a balance with XXXX XXXX in the amount of {$540.00} These are not charges I made with my XXXX XXXX XXXX but rather with the primary account holder, I am only an authorized user. 

The primary accout holders charges and balances are being reported to the Credit Reporting Agencies by XXXX XXXX to my credit report and they are not my charges I have not used my XXXX XXXX XXXX since XXXX XXXX 

I have tried calling Equifax and they refer me to XXXX XXXX ( XXXX ) when I Call XXXX they send me to a call center in XXXX, I have a reference number XXXX they say they are following policy and reporting to the Credit Reporting agnency as required By Law ( quote ). I have told them these are not my charges and should not be reported on my credit report. They either do not care or completely unknowledgble of American Laws. 

I have attach my statement showing I have not made any charges with my XXXX issued card since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I requested a wire be sent ( {$950.00} ) on XX/XX/XXXX. It was not sent. I was not told why. I asked for the fee to refunded. I was told no and not giving a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without 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 explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Tesla provided an estimated lease payment of $ XXXX. They also indicated it would likely go down to {$330.00} with probable savings that I thought would be from government tax credits. After roughly 100 interactions through online forms, texts and emails over 3 days they said the lease would be {$520.00}. Their representative XXXX said it was probably taxes. That made sense until they added taxes to the down payment which went from {$4500.00} to over {$5800.00}. I could understand the lease going up if I had bad credit but my credit score is over 830, I made over 40 lease payments to Tesla on my current vehicle all on time and 2 months prior paid them {$40000.00} cash for solar. When I asked Tesla they gave me no and said they did the lease through XXXX. Tesla was my only contact through the entire process. I am not sure when they did the bait and switch to the leasing company but they should not be able to publish estimated lease rates to unsuspecting buyers that they know are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
This debt is not owed, the debt was paid in full. No written notice of the debt was ever received. The collection account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I have sent several certified dispute letters to Trident Asset Management regarding an alleged debt they say I owe in the amount of {$520.00}. Trident Asset Management has illegally submitted a false debt to the credit reporting agencies without notifying me in writing of the debt. They have also failed to respond to letters demanding validation of the alleged debt such as providing a promissory note, contract or agreement bearing my signature which holds me legally responsible for this alleged debt. Trident Asset Management has failed to validate the alleged debt which is a violation under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Over the last XXXX months I have requested from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to validate a debt / charge off which appeared on my TransUnion credit report ( Account # XXXX, this account does not appear on any other credit agency reports ). My most recent certified letter is attached along with proof that they received the letter sent XX/XX/2023. I have never lived in XXXXXXXX XXXX and the XXXX of XXXX XXXX has never responded to my written and documented request for answers on this account. I have contacted them on the telephone several times and they have told me that because they are a utility company, they do not have to respond to requests such as mine and that I have no rights to request validation of this debt nor information on the account since they do not answer to the FCRA or the CFPB. I have contacted TransUnion regarding this matter as evidence from the attached letter ( XXXX account highlighted in yellow ) to them and have never received any response. I have also included my ID.

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 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank purchased my XXXX effective of XX/XX/2023. They took over the loan and blocked payments to the previous servicer XXXX XXXX XXXX, but then blocked registration to their online accounts for new customers like myself whose mortgages they had purchased. I was told that I would have access on XXXX and was told that this would be fine because it was within their grace period by a couple days, but when I tried registering I was still locked out and they were not willing to help me, instead directing me to do diagnostic testing for their website across multiple browsers in order to figure out their error. Since I have an XXXX XXXX XXXX XXXX I don't have hours of free time to provide free technical support to a major bank, so I was unable to register online and was forced to go into a branch to pay my account. Today I tried registering again and was unable to and still can't pay my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Prior to the pandemic I opened accounts with XXXX and XXXX XXXX. When the pandemic occurred, I called both lenders and expressed my hardships along with making accommodations to pay and close the accounts. I recently viewed my credit report and both lenders are reporting late payments on closed accounts. This is in violation of FCRA law 15 USC 1681 S-2 ( F ). Not only were these payments covered under the CARES act, but I've paid as agreed and closed both accounts per my request. I reached out to both CRA ( Experian and XXXX ) via phone and mail requesting that this information be reported accurately. I have not gotten a response to my request. This information reporting inaccurately is severely affecting my ability obtain lines of credit.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I received an email on XXXX XXXX XXXX from MOHELA informing me that : XXXX. I was not required to make payments from XXXX through XXXX as I was supposed to be on forbearance. Yet I still received bills during this time. 

XXXX. When I was billed, I was not billed with at least 21 days notice. 

This email came 3 months late and then on a holiday when no one can even be reached to discuss the matter. I had to call today and was on hold for XXXX hours to reach an agent. 

The recourse is the extra payments were applied to my ever growing loan balance or I could request a refund. The refund is expected to take at minimum XXXX business days but maybe even XXXX. 

This is absolutely unacceptable. They have XXXX  the payment and forbearance process, taken unnecessary payments instantly and then they want to take 3 months to send a refund?! 

This company needs to be fined and placed out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Neighborhood Autos, LLC
State: TX

Complaint narrative:
The account WISE CREDIT LLC XXXX  was to be removed from my credit report upon account being paid satisfactorily. This account has since been paid and closed since 2019. I am confused as to why XXXX is still furnishing this data. Lastly, the information being reported, such as the payment history, and date last active is incorrect. Please remove this account due to the original agreement and for FCRA violations. Please see the attached credit report.

Company response to consumer: Closed with explanation