vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I paid off my car loan with PNC bank, and they sent a letter to me confirming that the loan was paid in full and that the vehicle 's title was included in the envelope. Since there was no vehicle title in the envelope, I called the bank at XXXXXXXX XXXX XXXX  and was told that they can't locate the title, so it is up to me ( the customer ) to go to my XXXX XXXX and see if I can get a duplicate title issued. I would then mail that back to the bank for them to sign and send to me again, which I would then have to take back to the XXXX to have clear title reissued in my name. 

PNC bank is responsible for the title and lost it. They are responsible for providing me with the vehicle title at loan payoff so that I can get free and clear ownership of the vehicle. PNC 's incompetence is preventing me from taking ownership of the vehicle even after satisfying the loan in full.

PNC says they may get back to me next year, but in the meantime I can not trade the vehicle or sell it since I don't hold title to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
added things to my credit without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, XXXX  XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.

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 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
While checking my credit report, it showed I had 2 new accounts, which I knew wasn't true. I looked at what was new, and 1 was correct, but I also seen the another new one was opened, that I did not open or request. XXXX / XXXX is what is showing for the company name. It was opened on XX/XX/2022, account is a credit card, with a {$1000.00} limit. Highest balance shown is {$39.00}. Another thing I noticed, when I looked at my personal information, it is showing a previous address for me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which is also showing that address was reported on the same date the card was opened, XX/XX/2022. I have never lived in XXXX. This is apparently where you need to look for who opened the account. This person needs put in jail for identity theft. I did not open the XXXX / XXXX card, and it needs to be closed and removed from my credit report!! I tried calling the company and refused to give too much information, bc there's no reason why they need my birthday and social security number. I know nothing of this company, and they don't need more of my information than what they already fraudulently received. I asked them to close the acct. They refused to help me without me giving them my information, they told me if I don't tell them that's my problem and they hung up on me. Very odd. Non English speaking, very hard to understand. Not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: GA

Complaint narrative:
Equifax is continually refusing to remove fraudulent information from my credit report. I have supplied Equifax with all the documents needed to delete this fraudulent account from my credit report however, Equifax is refusing to remove this information. In addition, each time I submit my personal documents to substantiate my identity Equifax continually send me letters telling me to verify my identity when I have already provided documentation of my identity with the request to have the fraudulent information deleted the fraudulent account is XXXX XXXX XXXX. Equifax has refused to delete this account and I have disputed this account for the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of the FCRA for reporting unverifiable and incorrect information on my credit report. 

So, how is Experian verifying this information if the information is no longer in XXXXXXXX XXXX and the XXXXXXXX XXXX XXXX did not give them this information? 

By Experian reporting inaccurate and unverifiable information it has caused me financial hardship in my personal and business life. 

I have attached the letter from XXXX showing proof that this bankruptcy was removed from their system because it could not be verified! 

Also, I have attached a letter from the XXXX XXXX XXXX stating they did not supply this information to the credit bureaus. 

So, my question is who is supplying this information to Experian? 

I have also attached a screenshot of Experian being dishonest saying that the courts supplied them with this information which is untrue. 

Experian is in violation of not properly investigating and also reporting incorrect information which his illegal per the FCRA. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.

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 2022-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have two separate mortgages with Shellpoiint Mortgage, sold to shell point mortgage by XXXX XXXX. One loan is a VA loan, the other is a conventional loan. 

1. XXXX XXXXXXXX XXXX  provided a letter on XXXX that the loan was being sold to NewRez/Shellpoint Mortgage XXXX The account number provided in the ACM letter was wrong. 

2. The original address provided to make payments was wrong. 

3. Shellpoint Mortgage has improperly applied loan payments from one account to the other, even though the loan numbers are different, and the payments are from separate accounts, separate financial institutions and separate people ( one is paid from my wifes account, and the other is paid from my account ). Some iteration of this has happened every month. 

4. Funds that were improperly applied to one account, were unapplied, but funds were not applied to the other loan, or redeposited into the financial institution account from which payment was made, so Shellpoint says the XXXX VA loan payment has not been made ( or the loan is one month in arrears ) even though every payment for each loan was made on or ahead of time. 

I have had one to two calls per month for every payment since Shellpoint took over the loans, to no avail, they continue to make mistakes applying the loan payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TX

Complaint narrative:
I have submitted multiple disputes and FTC letters 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've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We reserved rental car on XX/XX/2022 from XXXX on line and fully paid the amount of {$510.00} using my Amazon-Chase Credit card. Pickup date : XXXX XXXX and return date : XX/XX/2022. Location : XXXX ( XXXX XXXX XXXX ). 
Booking Reference : XXXX. I am XXXX XXXX XXXX and designated by my XXXX XXXX as XXXX due to XXXXXXXX XXXX XXXX and can not walk more than 50 feet. My wife is XXXX XXXX XXXX XXXX and has major knee problems. On XX/XX/2022 ; I received an email from XXXX  changing the pickup location from XXXX  XXXX, inside the airport to unknown outside location where we have to exit the airport entirely and take a Bus with " Parking Go '' logo on the front. They also indicated that they are very sorry about the inconvenience due to this change. I immediately tried to call the number on the reservation voucher and no answer. I wrote an email to the address on the voucher and requested the cancellation of my upcoming reservation due to their location changes and we both have knee problems and can not speak XXXX  language. My email was delivered and my reservation was not cancelled. I protested it with Chase Bank and they sided with the XXXX claiming that I agreed when reserved of no cancellation but, I do have legitimate reason to cancel and be refunded. Pickup location was inside the XXXX as clearly indicated by XXXX, then the location was changed to go by a buss outside the airport with different car rental company. It's totally legitimate and I have the right to cancel. I tried twice with Chase and did not get anywhere. Chase should side with me and return my money. I am requesting your help with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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: GA

Complaint narrative:
THE FOLLOWING COMPANIES PULLED MY CREDIT WITHOUT MY CONSENT AND BROKE THE LAW : 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 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 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 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 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 non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My original complaint against Equifax was filed under XXXX. I just received notification that case was closed upon Equifax 's response. HOWEVER, I don't understand how their response even begins to address their failure to add an extended 7-year fraud alert to my credit file after MULTIPLE requests to do so. 

Here is their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Collection : AT & T MOBILITY THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Several years ago my mom and I took the money my son had received in bonds and checks from relatives to JPMorgan Chase to open an account for him. The bank representative told us we were opening up a regular savings account for a minor. It turns out he in fact opened a custodian account in my son 's name with my mom as custodian. None of this was disclosed to us. This would be ok but we discovered this when we received a notice that the account would suddenly start being charged {$25.00} fee per month. I went to change the account to avoid the monthly fee and was told it is a custodian account in my mom 's name. My mom XXXX XXXX  XX/XX/2021. I was given the run around with her death certificate, trust, etc. I started this inquiry to resolve the matter in XXXX ( fees started in XXXX ) and now am told I can only go to court to open a probate matter to get another custodian appointed. I have asked if I leave the funds in until he is XXXX XXXX XXXX, but they stop the fee, I would be ok with that reoslution. But they said they can't help me. Instead, they will continue assessing a $ XXXX fee and by the time my son is XXXX there will be no funds left. We never knew this would be a custodian account, they defrauded us probably to get some sort of reward or hit a metric as a bank representative. And now they have suddenly added a fee to the account. And we can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
After submitting a complaint when the company incorrectly drafted my payment on the incorrect date, the company has now retaliated by locking me out of my online account. I have no access to my payment history, my statements, or my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/2022 - Personal information on Experian is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - addresses XXXX XXXX XXXX, XXXX Ca 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 2022-12-14 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-14 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-14 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: GA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief