vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently moved from NJ to FL. I have been trying to get BB & T and now Truist bank to send my title over to the XXXX so that my car can be registered. I have faxed the document over 7 times and the XXXX  has twice as well. Every time I call to check its over an hour wait and they tell me they did not receive it. Today they did send me a copy of my title but are refusing to release the original to FL or to send a letter on letterhead that FL needs per FL statute. My homestead is now in jeopardy because of this issue. I either need them to release my original title to FL XXXX  so it can be changed to a FL title or send them the letter on letterhead advising that they have a current lien on the car with the make model year and VIN number of the car.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuse too release my credit report and score they have successfully verified me through there identity verification system I sent copy of my ca drivers license and birth certificate and social security and W2 and pay stubs they still won't release my credit report there in violation of XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX Accounts : 1. XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX XXXX  XXXX XX/XX/XXXX {$4800.00}

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 2022-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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:
Fraud Identity Theft, block and remove hard inquiry, inquiry did not come from me FTC report attached

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 2022-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ordered stereo from XXXX XXXX and had it finance through XXXX. I did not receive the item and XXXX XXXX told me they reached out to carrier ( XXXX ), and they show delivered and there's nothing can do. I reached out to the finance copany and they said XXXXXXXX XXXX shows its delivered they can not override it but there putting it on my Credit report. XXXX XXXX will not return my calls or emails. XXXX asked me to reach out to XXXX the carrier who delivered, I did and because they didn't tell me to do this unit il after XXXX deadline they can not open a dispute. XXXX emailed me proving I called and said XXXXXXXX XXXX has never reached out to them to start a dispute of where the item was.

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 2022-04-11 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: TX

Complaint narrative:
Experian has failed to complete a proper re-investigation into my disputes. I have submitted multiple disputes for the same account over the past few months and the company continues to only state that the account is " updated and verified as accurate ''. How can an account be verified as accurate when there are obvious inconsistencies being reported. 

Experian has violated my FCRA rights and are NOT completing proper investigations. How can an account be paid off, not reporting the payment date and amount, and yet continuously be updating as a " CO '' every month??? Also, the payment history is inconsistent. They are removing my positive payment history and choosing to only report negative history. How can I have been on time before a dispute and then after the dispute you REMOVE the positive payment history?? Also how can you be current one month, then 60 days late the next month? How can you go from 30 days late one month to 120 days late the next month as well??? MAKE IT MAKE SENSE. 

I have given Experian ample time to correct this obvious incorrect information and they have chosen to blatantly NOT investigate properly or at ALL. This account is continuing to cause harm to my consumer credit file based on the negligence of Experian.

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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
When we applied for a refinance and or a loan modification with Selene Finance, we were told Selene does not do refinances and we were denied 3 times for a loan modification till we approached CFPB. We were then approved for a loan modification. We had asked for a principal reduction and a lower rate of interest or a prepayment waiver. We were denied all 3 requests. By denying us all 3 requests, Selene is putting us in a position to fail as the payments are very high and we are locked into their system for 3 years. I have spoken to XXXX XXXX XXXX who I believe is a manager and at the time of the loan modification, he suggested to take the loan modification and then to refinance with another company as Selene does not do refinances. I addressed the prepayment penalty at that time and he said when you are close to getting a refinance ( which we are at this point ), to make the prepayment request to him. I have left 3 messages for XXXX XXXX with no response and this morning was told by XXXX that the waiver was denied. This is putting us in a very difficult situation. 
We would like for CFPB to please mediate on our behalf to either do a principal and rate reduction or to get our prepayment penalty waived. 
As we both our unemployed and can not find higher paying jobs, we need the help to reduce our monthly PITI payments to closer to {XXXX} per month. If Selene can not do so, they can release us and let us refinance with another mortgage company by waiving the prepayment penalty. Any assistance in this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several closed Charged off accounts on all 3 Credit Reports Transunion. XXXX. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA 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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, 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:
My husband ( XXXX XXXX XXXX ) opened an account XXXX in XX/XX/XXXX. On XX/XX/XXXX I was added as account supervisor to my husbands XXXX XXXX XXXX 's card. I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). Immediately I was rejected AND simultaneously removed as account supervisor on my husbands card. 
Somehow the credit agencies put me on as cardholder. After previous complaint they removed SOME of the information on my credit report. It still says {XXXX} & TERMINATED. Neither was I terminated nor did I cancel the card on my credit report. 
I NEVER HAD A XXXX XXXX CARD NOR CREDIT IN MY NAME. 
The limit is ( properly ) on credit info of XXXX XXXX XXXX. It should not be AT ALL on 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 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To whom it may concern, Please find attached official police report from XXXX XXXX 's, GA Sheriff Office, confirming my identity was stolen on XX/XX/2022. As confirmed by police, my identify was stolen and then used to add new recipients and make fraudulent payments with XXXX using my Chase checking account. 
Below is a summary of all unauthorized payments : XXXX unauthorized XXXX payment in amount of {XXXX} sent from Chase checking ( claim # XXXX ) XXXX XXXX {XXXX} ( {XXXX} total ) XXXX unauthorized payments sent from Chase checking account ( claim # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I initially filed a complaint on XX/XX/2022 which has been closed by your agency in spite of the fact that the issue has not been resolved. I am having difficulty obtaining my {$7000.00} in escrow overpayment from Community Loan Servicing. They are aware that the refund was not received by me. The USPS returned the original check to the company marked as undeliverable. My address is current. I don't know why the USPS returned the check and I am not responsible for their error. However, at this juncture Community Loan Servicing knows that I do not have my refund and are willfully withholding my funds. This is illegal and highly unethical. Instead of reiterating all of the events that I have taken place I will attach the report from the previous complaint in which XXXX  admits to knowing that I do not have my refund. They have not made any effort to return my funds to me despite making repeated promises to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 non-monetary relief
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XX/XX/2016 {XXXX} 2. XXXX XXXX XX/XX/2016 {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 2022-04-11 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: CBC Companies, Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I SENT THIS INFORMATION BEFORE I RECEIVED A LETTER DATED XX/XX/XXXX STATING THAT THEY NEED AN FTC WHICH WAS SENT PRIOR NOW I ALSO SPOKE TO XXXX WHO TOLD ME THERE WAS ANOTHER ACCOUNT ADDED WHICH WAS 'XXXX  ACCOUNT # XXXX THAT'S ALSO FRAUD BUT WASNT INCLUDED IN THE REPORT SENT TO ME ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I leased a new XXXX XXXX XXXX through my company for business purposes with the intention of buying the car for personal use at the end of the lease. At the end of the lease, I called for the buyout. I mailed the check on XX/XX/XXXX. The check was deposited by Chase on XX/XX/XXXX ( I have the cancelled check ). However, Chase did not process the purchase until XX/XX/XXXX. On four separate occasions, I requested the title. On one occasion, I was lied to that a duplicate title needed to be issued. I eventually received the title on XX/XX/XXXX with a Chase signed date of XX/XX/XXXX ( the title is not a duplicate ). It is totally unacceptable for Chase to cash my check on XX/XX/XXXX and not mail the title until XX/XX/XXXX ( 8 months ), especially after being contacted on four separate occasions. I have to wonder is this just poor service or some sort of fraud/float? Because of the delay, XXXX XXXX ( my county of residence ) billed Chase the full year business tax of {XXXX}, which was passed on to me by Chase for payment. When I went to XXXX XXXX to record the title, I was told that Chase needed to contact XXXX XXXX for an adjustment, and I would receive a personal property tax bill for the year after XX/XX/XXXX ( not XX/XX/XXXX, the day they cashed my check ). I contacted Chase they agreed. Then Chase reneged on this agreement and said I had to pay the full {XXXX}, and if XXXX XXXX sent them a refund, they would pass it on to me. I am at an impasse as this is totally unacceptable. Given the time and lies that I have gotten from Chase, I have no faith that if I pay the {XXXX} that I will get the refund due to me. Further, it is because Chase failed to send the title in a reasonable amount of time that I am in this predicament.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/2022, I transferred {$2500.00} from XXXX to PayPal using the PayPal phone app. On XX/XX/XXXX, I transferred {$250.00} from PayPal to XXXX using the PayPal phone app. On XX/XX/2022, I tried to transfer money from PayPal to XXXX using the PayPal phone app and it was denied. The PayPal phone app displays the message Theres nothing to transfer right now, but my PayPal shows a balance of {$2200.00}. Thats when I began contacting PayPal Assistant. PayPal has closed every communication with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX i was alerted that someone pulled my credit report from XXXX  for transunion and XXXX... ..i have not given anyone permission to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and 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 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XXXX XX/XX/2016 {XXXX} 2. XXXX XXXX XX/XX/2016 {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2022-04-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation