vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: OK

Complaint narrative:
This matter is complicated. I used XXXX XXXX  ( Now First Investors ) as a refinance bank to pay off XXXX XXXX, and thus XXXX XXXX   became my new lender and lien holder on my non negotiable title in Oklahoma. 

The problem is that XXXX ( First Investors ) failed to fill out proper paperwork with the OTC to have XXXX XXXX removed, while they added themselves ( XXXX XXXX ). What is also horrible is that XXXX XXXX claimed to have sent XXXX a lien release when XXXX Paid them off ( XXXX XXXX ) on XX/XX/XXXX. I have issued separate complaints for both lenders through the CFPB. 

Now I have two lien holders on my title when actually, both ( XXXX and XXXX ) should have been removed once the vehicle was paid off on both of their ends. XXXX was paid off in XX/XX/XXXX, and XXXX XXXX  ( who transferred their auto loans to First Investors ) was paid off in XXXX of XXXX. I am unable to receive a clear title, free of liens because these two lenders refuse to process the proper paper work. 

How can you pay off a vehicle and still have lienholders on your title? Oklahoma is not a title holding state and they do provide your title with lienholder if you still have a balance on your loans. The lien holders are responsible for clearing this up with the OTC ( Oklahoma Tax Commission ). Please investigate this complaint and advise XXXX and XXXX to comply with Oklahoma law and remove themselves from my title. 

XXXX ( First Investors ) also needs to forward SIGNED and valid lien releases from themselves, and XXXX who sent to them after the XX/XX/XXXX payoff. 

XXXX should not be listed as a lien holder since they were paid off in XXXX, and this is considered FRAUD! First Investors isn't even listed on my title. They never submitted anything to the Oklahoma Tax Commission removing XXXX and XXXX from my title. Aren't First Investors a loan Servicing company, yet they have not done their job, according to the Oklahoma Tax Commission and this is also fraud and deceptive business practices. They provide me with an UNSIGNED lien release, which is also fraud. Why are the lien releases unsigned? Why did they send me unsigned lien releases which was rejected by the local tag agency? This is ridiculous.

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover Bank is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 BBVA Compass accounts, 1 is a money market and the other is a checking account. I use my checking account at Compass as the main account that pays my mortgage so I do not use it as frequently as my other bank accounts. On Friday XX/XX/19, I submitted by mortgage payment through my mortgagor 's website. On Sunday, XX/XX/19, I went into XXXX 's  XXXX to purchase cookies for my children. I only had my Compass debit card which I used for the transaction. After purchasing the cookies we went back to the car and while eating our cookies I transferred money from my money market to my checking to make sure that there would be enough to cover my mortgage payment. On Friday, XX/XX/XXXX, I checked my Compass account and noticed that they returned my mortgage payment. I was furious and called BBVA Compass in XXXX, TX and spoke with branch manager XXXX. He looked at the account and told me they were " real time '' and there was not enough funds when the payment was presented to the bank. I explained that I immediately made the transfer and the funds should have been immediately available. He could not explain why the payment was returned. He offered to refund the fee, which he did, but this was not enough because I want to know what happened. They did the same thing to me in XXXX, returned by mortgage payment even though the funds were there. He offered to contact their " Customer Resolution Department '' and stated that it would take 2 business days. I called XXXX on Tuesday, XX/XX/XXXX, as he did not call me back. He explained that the account to account transfer was not completed till Monday XX/XX/XXXX and this is why my mortgage payment was returned. I advised him that the payment was not returned till Tuesday XX/XX/XXXX and he told me on XX/XX/XXXX that they are real time, so an account to account transfer should be immediate. He stated that when the payment was presented the funds were not there. I said to him, " So you are telling me that on Sunday XX/XX/XXXX in the 5 minutes that I went into XXXX 's XXXX  and came out to my car that magically my mortgage payment was presented to the back. That does not sound right! And even if it presented to the bank on XX/XX/XXXX, the funds were there because you just told me the transfer completed on XX/XX/XXXX. '' I asked for his manager, he advised me that his name was XXXX XXXX, District Retail Executive. I called Mr. XXXX 's executive assistant on XX/XX/XXXX and left a message for Mr. XXXX to return my call. I have not heard from Mr. XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Multiple calls a day with very rude employees demanding for me to stay on the line.

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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I requested a copy of my XXXX consumer report from Verisk. OnXX/XX/XXXX, I contacted the consumer reporting agency to dispute the information listed on the report, specifically, claim dated XX/XX/XXXX. I was told the reporting agency contacted the furnisher ( XXXX XXXX ) and it was determined that the information reported is accurate. In the meantime, I contacted the furnisher ( XXXX XXXX ) and was provided a letter that states the information listed on the report is NOT accurate and has been changed from a claim to an inquiry and that the information has been removed from their records and have initiated the process to have it removed from my public record. On XX/XX/XXXX, I spoke with a representative from Verisk that stated the inaccurate information will remain on my public record for 5-7 years, and the insurance companies only look at the last 5 years. This is not acceptable! Under the Fair Credit Reporting Act, inaccurate information must be removed. Consumer are being penalized for inaccurate information reported by this reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's OBVIOUS I'm not ever going to pay the ONLY wrongful complain EVER put on my credit report. I have submitted documentation proof to the collections agency as well as the credit unions proving the charges are not ligament. The credit agency contacted the collections agency and ask them if the information I submitted was acceptable to dismiss and the collections agency responded that person no longer works here. 
Point 1. I received and forwarded an e-mail from the apartment complex manager - waiving apartment painting for early move in. When I moved out years later the apartment manager was gone and the assistant manager XXXX had issues with me so would not accept her previous letter waiving the minimal expense. 
Point 2. I provided the same e-mail proving I was not responsible for the {$130.00} dollars re-painting fee to the credit agency and disputed it in writing. The response from the apartment complex was taken verbally over my proof in writing. 
Point 3. While time passed I paid higher interest rates for a {$960000.00} home I purchased and also paid it off completely in record time. 
Point 4. I ALSO PAID off all my credit cards, vehicle loans and additional mortgage. 
Point 5. I have the invalid debt still on my report and even though I paid over a XXXX dollars worth of bills using credit - MY CREDIT SCORE STILL SUFFERS?? Please Please Please have someone with account knowledge re-score my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months, I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!

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 2019-05-10 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: MN

Complaint narrative:
After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX  XXXX 3 ) XXXX credit XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX credit  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 explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Hello, I really need your help urgently. In the nutshell, I obtained a mortgage from XXXX that was transferred to Shellpoint Mortgage Servicing/NewRez LLC.  In total, I made four payments : one to XXXX and thee to Shellpoint Servicing on time according to their statements. On XX/XX/XXXX I noticed incorrect principal balance that did not reflect all payments that I made. I have called multiple times with follow ups to fix this issue and as of today, XX/XX/XXXX all my payments got removed from my payment history, I got late charge fee assessed and my principal balance got increased as if I made zero payments. I need help to resolve this ASAP. I have a closing on Monday, XX/XX/XXXX to payoff this loan in full, but I cant due to my payments not being applied. It seems that no one in Shellpoint Servicing is willing or want to help. Today, when I called again to Shellpoint Servicing, Customer Care Representative XXXX XXXX ext XXXX, has repeated the same thing as other reps before, that they are working on this issue. Here is a full details info : 1 ) I obtained a conventional mortgage from XXXX ( NMLS XXXX ) in XX/XX/XXXX for {$390000.00}. 
2 ) On XX/XX/XXXX I have made first payment to XXXX  for {$2200.00} ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 3 ) Around XX/XX/XXXX my loan got transferred to ShellPoint Mortgage Servicing/NewRez LLC ( NMLS ID is XXXX., Main Office NMLS ID # XXXX, Branch Office NMLS ID # XXXX, Investor XXXX-XXXX NMLS XXXX ) 4 ) On XX/XX/XXXX I made a payment of {$2200.00} to ShellPoint Mortgage ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 5 ) On XX/XX/XXXX I made a payment of {$4500.00} to ShellPoint Mortgage ( bringing my principal balance {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ). 
6 ) As of today, XX/XX/XXXX, my account in Shellpoint Mortgage Servicing shows Principal Balance of {$390000.00}, zero payments that I made and {$45.00} late fee. 
I have called them on XXXX XXXX,XXXX,XXXX,XXXX,XXXX,XXXX & XXXX XXXX,XXXX,XXXX of XXXX to try to resolve this issue without success.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In order to get an understanding of the balance of my student loans, on XX/XX/XXXX I contacted Navient in regards to my consolidations loans that were completed on XX/XX/XXXX and that are currently with XXXX. The young lady could only provide Information on the most recent consolidation and was not able to see details of the older consolidation loans from XXXX and I was informed that I should contact XXXX. I contacted XXXX whom were not able to tell me what loans were included in the consolidation because they have the loan after the consolidation ; I was then routed to review and contact NSLD whom did not attempt to assist me at all with getting detailed information about my consolidation. I have also contacted XXXX XXXX in which I still have not received a response to date. 
On XX/XX/XXXX, I sent an email request to Navient that I would like an audit completed to provide me with the details of each of my loan consolidations. The response from Navient on XX/XX/XXXX is that I can review my loans with NSLD. ; again the problem this is that it will not show me the details and the amounts for the accumulated consolidation balance. 
When I initially, did the consolidation with Salliemae/Navient it was an attempt to bundle my loans in one place even after I had applied for forbearance and forgiveness through their agencyit did not as if anything had changed even while I was making payments. Also, while reviewing my information from NSLD, XXXX and Navient I noticed that loans that were supposed to have been consolidated during the XXXX application had not been included and that the most recent consolidation seem to include loans that should have already been accounted for. 
Taking a closer look at my students and Navients process, it seems that loans that were supposed to be included in a forgiveness process and consolidation agreement were not but also appears that some have been re-consolidated. This is not my first attempt at trying to get answers from Navient, back in XXXX when attempting to return to school but wanted to be clear on my student loan balances and received the same brush-off from Navient with no results. 
I am again requesting a full detailed audit of all of my student loans, this also is to include what specific loans contributed to each of my consolidation loan ( s ) because the forgiveness and consolidation initially began with Navient/Salliemae.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-10 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: CA

Complaint narrative:
two car loans are reporting under my name that are not even mine, i keep disputing these two accounts from equifax but for some reason these are not getting off of my report. these do not belong to me i have already submitted my dispute and police report to all the bureaus, XXXX  and XXXX are taken off but equifax is very much pain and not helpful at all. please i need your help as a consumer i need your help to have these two inaccurate  accounts removed from my equifax credit, please find attached my documents thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Credit Account with First National Bank of Omaha incorrectly froze account despite on-time payments, because of accidental payment from incorrect account. After fixing the issue, was told account would be unfrozen ( despite that it should never have been froze in the first place ) then told it would be unfrozen after 3 consecutive payments, now being told to wait till XXXX. Despite being told it would be ok on XX/XX/26 then 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 2019-05-10 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: LA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Coinbase disabled my account for no reason and no explanation. 

I have placed multiple calls to their customer service line for over a month. 

Their customer service tells me that they have escalated my case to a " specialist '' and states that they will get back to me within 5-7 business days but never has for over a month. They would proceed to close the case without resolving the problem or contacting me with any explanation. Their customer service is non-existent. 

Referencing XXXX # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation