vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: KS

Complaint narrative:
I borrowed money on a XXXX XXXX XXXX around XXXX. At the time I purchased the car I lived in XXXX  where it was registered with a XXXX to US Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the time of the loan, I took a job in XXXX  at which time I registered the car in XXXX  with the XXXX still on the car. In XXXX XXXXXXXX XXXX XXXXXXXX I paid off the loan and never received the Lien Release. In XXXXXXXX XXXX XXXXXXXX I moved back to XXXX  when I went to register the car in XXXX, I tried to get a title, but XXXX  can't give me a title as they were still waiting for the Lien release from US Bank. In XXXX I called US Bank, and they said they had to update my address in the system before they could send me the lien release. I updated my address with them and waited on my release it never showed up so in XX/XX/XXXX (? ) I called US Bank back they indicated there was a problem with whoever was updating my address so they would get that fixed and guaranteed me I would have the release within XXXX days by mail. On XXXX XXXX I called once again and spoke to a representative and asked if i could get the release emailed to the county, she said she could not but could email me a copy of the lien release I said that would be great. She sent me an email and it was just the original copy of the electronic lien that was placed on the car when it was purchased. On XX/XX/XXXX I called US Bank again to tell them I got the electronic copy of the receipt but I needed a release. they informed me they would get this expedited and I would receive a call back within XXXX to XXXX hours on when I could expect to receive the release. XX/XX/XXXX, I called US Bank as I never got a call, once again I was told the address on file was not a good address, so I verified my address, and it was the correct current address that I get mail to everyday. She said now that they have verified my address that I would receive a call within XXXX hours from a person to let me know when I can expect my lien release. I have asked multiple times if this release could be emailed directly to the county treasurer so that we could get this taken care of and they keep telling me they can't do that. When I first started this process, I was trying to renew my tag into the state where I now reside, but since the process started, we had a hailstorm, and my car has now been totaled and I have to produce a title to the insurance company, and my tag will expire in a month. I feel as if I have tried everything within my power to get this resolved, but at this point I am out of time and feel I am getting nowhere.

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 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Marlette Funding, LLC
State: MN

Complaint narrative:
Best Egg XXXX has XXXX  dialed me about a past due debt ( not due ) excessively daily since XX/XX/XXXX. The majority of the calls have been unanswerable and that is why I assume they are roto-dialed calls. -- I have explained at least twice to XXXX Best Egg agents that my Best Egg account is not past due because their payments have cleared my bank account.I pay Best Egg online monthly and would like the excessive phone calls to stop. ( I just received another Best Egg phone call at XXXX XXXX. this morning XX/XX/XXXX during work hours. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly remove this information from my credit report within four business days, as stated in section 605C of the Fair Credit Reporting Act. I would also like to receive a notification about what actions have been taken. Thanks for handling this quickly.

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 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC
State: MD

Complaint narrative:
I took a personal loan from lendingpoint in XX/XX/XXXX, at this time ACH payments was set up for loan repayment. Although ACH payments was set up I made additional payments between XXXX and XX/XX/XXXX. Ach payments were made for XX/XX/XXXX and XX/XX/XXXX. All these two payments were paid to interest only. I have contacted lendingpoint on several occasions to try to resolve the matter. They claim that they made the adjustments but the attached statement reflects otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MO

Complaint narrative:
I never signed a HIPPA release form with the alleged creditor or received an initial demand letter or validation of debt. This is a violation and has been forwarded to my attorney. HIPPA laws protect my personal info from being used w/o my consent.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I have been in contact with Freedom Mortgage every month since XXXX of XXXX trying to resolve an issue with the discrepancy in the monthly payment amount on my monthly statement versus the monthly payment amount listed on my escrow. I have spent numerous hours on the phone with representatives trying to resolve this issue. I can never have a single point of contact about the issue. The representative will eventually see that they are not able to resolve and will let a request but nothing is being resolved. I gave keyed request myself on the website but the responses are not answering the question. The following statement was their last response sent on XX/XX/XXXX : " This letter is to confirm that we have addressed all of your concerns on XX/XX/XXXX after speaking with a Customer Care Representative '' I called and the representative had no other information. I keyed a reply snaking for details. Freedom Mortgage us proceding with the foreclosure process. I would like to resolve this issue.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase auto finance is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX TOOK A {$6000.00} BALANCE TRANSFER OF 0 % BALANCE TRANSFER FOR ON YEAR WITH 5 % CHARGE OF {$300.00}. 
XX/XX/year> SEND A WIRE TRANSFER TO CITI BANK FROM ANOTHER BANK FOR {$15000.00} TO PAY OF THE {$6000.00} plus {$300.00}. 
HENCE GOT OVERPAID BY {$8700.00}. FINDING THE OVERPAYMENT I SUBMITTED ON LINE TRANSFER BACK TO MY CHECKING ACCOUNT AND APPROVED ON LINE.GOT AN EMAIL ALSO TRANSFER WILL COMPLETE WITHIN 7 DAYS. 
AFTER 7 DAYS, I CALLED CITI BANK CARD SEVICE TO ENQUIRE. THE REPLY ON LINE REQUEST WAS NOT DONE DUE TO AN ERROR. THEY NEVER INFORMED ME .I TOLD THEM TO REFUND THE MONEY VIA WIRE BUT SAID NOT POSSIBLE, WILL SEND A CHECK BY MAIL ON XX/XX/XXXX. AS OF TODAY THEY HAVE NOT ISSUED THE CHECK XX/XX/year>. IN BETWEEN MADE MANY CALLS AND REPLIED ITS UNDER REVIEW AND WILL TAKE FEW WEEKS. THEY CHARGE THE CUSTOMERS 25 % INTEREST IF NOT PAID ON TIME. PLEASE HELP ME ON THIS. 
FROM THEIR STATEMENT ATTACHED Your account has a credit balance. We will send you a refund of any remaining balance of {$1.00} or more after the credit balance has been on your account for 3 billing statements. You may also request a refund by contacting our customer service address or phone number listed above. If your credit balance is the result of conditional credits applied in connection with a dispute, please wait until after the dispute investigation is complete before requesting any remaining credit balance be returned to you. 
2024 Citibank , N.A . 
Citi, Citi and XXXX XXXX and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. 
Important Information If you have questions about marketing communications, please visit www.citi.com/offersforyou or call the number on the bac

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian XXXX and XXXX has failed to provide any documentation from the investigation.After checking my credit report on XX/XX/year> I have found the three credit bureaus mentioned to be in violation of several of my rights. XXXX  XXXX  XXXX XXXX XXXX account is stated as opened on XXXX XXXX account is reporting aa a charge off collection with a balance of {$1200.00}. It also shows the highest balance as being {$1400.00}. This cant be true because I never made any payment towards any balance. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. I also believe this company can not provide validation Of the debt being reported. This information is also not true, accurate or fair as it is reporting invalid email, address, phone number, and balance under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). It is the responsibility of the credit bureaus to make sure the information being reported 100 % true and accurate. This is not fair and is causing great stress and problems in my life.Equifax, XXXX, Experian please stop violating my right to privacy and discontinue any involvement with XXXX  XXXX XXXX XXXX pertaining to my credit report and non public personal information.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX XXXX breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account 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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the Equifax data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name 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 XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

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