vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dating back to XX/XX/2020 I have been trying to register my vehicle in WA as a new WA resident. 
To complete this process I requested that the lienholder on my vehicle, Chase Auto initiate a title update process to title the vehicle in WA so I can proceed with obtaining a WA registration. 
Chase verbally confirmed that they had initiated the title update process on the phone repeatedly through the month of XXXX and provided a completion date of XX/XX/XXXX. The vehicle 's registration in California expires in XXXX, so completing the registration process by XXXX is essential to make sure the vehicle remains legal to operate. 
During the last week of XXXX, not having received an update from Chase about perfecting the title we found out on the phone that the title to the vehicle was lost. Chase representatives made no indication of what measures had been taken to procure a replacement title. 
On the XXXX of XXXX I paid the remaining balance on the vehicle in full. Once the payment cleared I requested an update on the title recovery process and again was not able to tell what steps had been taken. At that time I requested that they expedite recovering the lost title and perfecting it to my name since the registration would expire in the next month. I was told that they would look into the request and set an expected completion of XX/XX/XXXX. When I asked what would be complete by XX/XX/XXXX the Chase representative was vague and told me they had an internal estimate for completing the title transfer but would not share that information with me. 

My complaint is Chase Auto has been negligent in processing title paperwork, losing the title and placing me, the consumer, in a position where I risk being unable to legally drive my vehicle. Additionally, their refusal to inform me about what steps are made and when regarding the title perfection as the vehicle registration expires amounts to a refusal to release the lien from the vehicle upon my completion of payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCHRONY BANK * care credit XXXX XX/XX/XXXX ) {$0.00} balance *old navy XXXX XX/XX/XXXX ) {$0.00} balance *tjmaxx ( XX/XX/XXXX ) {$0.00} balance *jcpenny ( XX/XX/XXXX ) {$0.00} balance *amazon ( XX/XX/XXXX ) {$410.00} balance the above accounts have been closed I am guessing the following accounts will soon also be closed but as of XX/XX/XXXX they are currently open **lowes balance {$610.00} appx. bal. 
**BP gas card {$450.00} appx. bal **QVC {$400.00} appx. bal. 
The letter or email states balances are to high on credit accounts, to many open accounts. 
I have never been late on any accounts, to any SYNCHRONY held accounts nor any other creditor. 
During this time due to covid some of my credit card balances have increased. 
However, I have not failed to make above minimum payment due on time. 
I am having an issue with ine account that is HOME CREDIT credit card. 
In XX/XX/XXXX, HOME CREDIT discontinued and closed all HONE CREDIT cards entirely for everyone. 
At that time I/WE were informed that the accounts would be serviced by XX/XX/XXXX. XX/XX/XXXX I attempted to make a payment by the APP on my phone 1 day after recieved notice that the payment was rejected, I called and after 4 days finally spoke to customer service made payment by phone. Currently, I have 5 different companies attempting to collect payments for this account Home Credit, XX/XX/XXXX, XXXX XXXX, XXXXXX/XX/XXXX and XXXX. I refused to pay until this is sorted out and I am sure what company is going to be the only company collecting this account. 4 of the 5 are reporting this 1 account as 4 different pass due accounts. I have filed account with the Pennsylvania AG consumer bureau about the HOME CREDIT account. 
This affected my credit score. However, what SYNCHRONY BANK is doing is affected my credit severely and in turn using the damage to my score to justify further closing additional accounts. Effectively, closing 1 account then saying the percentage if use to credit available is to high. Then the balance ratio increases so they use that to clise another then another etc.

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 2020-12-04 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible. I have been trying to get this matter handled for several months now and the credit bureaus are not giving me much help.

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 2020-12-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
( XXXX ) XXXX < -- - PHONE numbers are NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ADDRESS HAS NOT BEEN CORRECTED, NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$600.00} XX/XX/XXXX U.S. DEPARTMENT OF EDUCATION XXXX Collection account. {$5500.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ACCOUNTS are NOT MINE.

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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MA

Complaint narrative:
Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late., Listen, basically I was shocked when I reviewed my credit report today and found late payment 2 times this year 2020 for 30 days late. The bank was closed that only drive-thru transactions for cashing check and withdrawals were accepted. I wasn't sure that during these tragedic time your organization was marking people late. I finally setup only account where it showed that the money were sent to ELAN financial services and it's impossible for me to be late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 explanation
Consumer complaint received 2020-12-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on/around XXXX XXXX 2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been more than 4 months and I have not received a formal written response back from Experian or XXXX. I know that the credit bureaus received my requests because I did receive a response back from 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 2020-12-04 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible. I have been trying to get this matter handled for several months now and the credit bureaus are not giving me much help.

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 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I attempted to send a {$70.00} purchase payment to a peer via Google Pay. 

Immediately following my execution of the transaction, ( I'm the sender ), the recipient received a message from Google stating " This payment has been reversed to the sender due to your security settings '' ( message attached ), which the recipient immediately sent to me while we were transacting on the phone. 

Recipient and I ended the transaction without exchanging goods ( because Google stated my payment had been reversed ). 

It's been 3+ weeks and the payment has not been reversed. I've contacted Google Pay multiple times and they will not reverse the payment or re-credit my account ( most recent email exchange attached ). 

Google 's actions put recipient and me in a bind. 

Recipient can't safely send me back {$70.00} because for all he knows, the payment may yet reverse ( since Google definitively stated it was reversed ) and he could lose {$70.00}. 

And I'm not in a position to convince the recipient that Google sent him a false statement ( stating the payment was reversed ), and that he should instead trust me and send me {$70.00}. 

I need Google to do what it said was done and reverse the payment. 

I strongly believe Google sending a message to a party in a payment saying " this payment has been reversed to the sender '' but then failing to reverse the payment constitutes an error under the Electronic Fund Transfer Act as an " incorrect electronic fund transfer from or to the consumer 's account ''. 

Google is the trusted intermediary in a payment like this, and Google 's false/inaccurate statement materially interfered with the payment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
In XXXX, we became behind on payments. Vanderbilt Mortgage scared my husband into signing paperwork that would give us a balloon payment of {$27.00}, XXXX. They threatened us with foreclosure even though we were only 2 months behind on payments. Now ( XXXX ) we are trying to sell our house and they [ Vanderbilt ] are telling us we have to pay the balloon payment before we can sell. However, in XXXX as well as a couple times in early XXXX, I called and asked specifically if we had to pay the balloon payment before selling the house. We were told no, that we did not have to pay the balloon payment before selling. They made the balloon payment our only option knowing we couldn't afford to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2019 PORTFOLIO RECOVERY ASSOCIATES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA
State: PA

Complaint narrative:
AES/PHEAA has recently changed the due date of one or more loans on the account without my express permission and failed to alert me of the change. I was given little time to prepare for the specific amount due to the change in due dates. In addition, I do not agree with the change in due dates. AES will be forced to change the due date back once I file a complaint with the courts. I do not trust AES/PHEAA and wish for all correspondence to go through my attorney going forward. The representatives who respond, are cold and inhumane, treat me with disrespect, and do not care about cyber security. AES/PHEAA breached any contractual obligations by violating the consumer rights I have. Employees also tend to eat while speaking over the phone, and are not friendly or respectful. 

I'm offended by this lack of integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have been dealing with Midland Credit reporting false information to my credit report for the last 6 years. They said I opened an account while I was out of the country for 2 years and could not have possibly opened it. The person who did open it, didnt even provide the correct address. After 3 years of disputing through the credit reporting agencies, recently have been severely impact when the financial struggles have hit during Covid 19. I have not been allowed to increase my line of credit due to this fraudulent and illegal activity. I have tried to work with 12+ individuals and management staff to Midland Credit . 

I have filed police reports in XXXX Washington, disputed the debt to all 3 credit bureau, and called to speak with them 40+ times in 5 years. They have given me the run around refused to provide me with information for my disputes and knowingly continued to report false accounts to my credit report. 

Upon calling today XXXX and XXXX refused to provided me with any information I needed for this complaint. This company is the most unethical and poorly run business I have ever encountered. I am surprised the FTC still allows them to operate with this level of illegal behavior toward our communities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly.

FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-04 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: NV

Complaint narrative:
On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I demand to Delete those account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
on XX/XX/20 I sent Equifax a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XXXX/XXXX/20. Equifax is still reporting these accounts on my credit report. even after 30 days and no verification or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on/around XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been more than 4 months and I have not received a formal written response back from XXXX  or TransUnion. I know that the credit bureaus received my requests because I did receive a response back from 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 2020-12-04 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: MD

Complaint narrative:
XXXX XXXX keep reporting that I am behind on payment on a service that I dont even have with them. I have tried multiple months to dispute this with experian. I disputed this as soon as it hit my record in XXXX, then XXXX amd most recently XXXX experian says that XXXX XXXX keeps saying that its my account because XXXX XXXX keeps saying so. Thats not the case. I need this case resolved. I got denied a loan because of the negative impact that XXXX XXXX  keeps reporting. I called XXXX XXXX only not being able to talk to any of their fraud department because she calls kept dropping while being transferred from one agent to the next in middle of XXXX. I need help with this 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 explanation
Consumer complaint received 2020-12-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters XXXX XXXX TRANS I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so 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