vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
After paying off my home loan, I reached out to the lender to request that the original promissory note that I signed at closing be marked " PAID IN FULL '' and returned to me. The person I spoke to said that she had never heard of having to return the original note to the borrower. She insisted that a mortgage release would be filed with the county and that would suffice. 

Under Finance Code Sec. 342.454, a lender is required to cancel and return to the borrower any note and/or instrument that secured the loan, specifically the promissory note. Below is the text of the law : Finance Code Sec. 342.454. RETURN OF INSTRUMENTS TO BORROWER ON REPAYMENT. Within a reasonable time after a loan is repaid in full or an open-end account is terminated according to the terms of the contract, a lender shall cancel and return to a borrower any instrument, including a note, assignment, security agreement, or mortgage that : ( 1 ) secured the loan ; and ( 2 ) does not secure another indebtedness of the borrower to the lender.

Unfortunately it has been my experience that it takes undue effort on the part of a borrower to convince a lender to return the original note. Once again, as I have in the past, I am enlisting the help of the CFPB to force the lender/servicer of my loan to return the original, wet-ink copy of the original promissory note I signed on XX/XX/2016. 

The CFPB has helped me with an identical issue with a former lender in the past ( CFPB case # XXXX ). In that case, CFPB referred my complaint to the Office of the Comptroller of the Currency, who in turn investigated my complaint and was able to force to lender to return the original promissory note to me. 

I am hoping the CFPB can do the same this time as well. Thank you.

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$100.00} on the XXXX XXXX partial account umber XXXX. ( Please see page attached from my credit report. ) Payments are made to XXXX XXXX. ( Please see attached payment record dated XXXX2020 for  reference. ) This payment should have never have gone to XXXX and this account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have  not been successful.

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 2020-06-24 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$100.00} on the XXXX XXXX partial account umber XXXX. ( Please see page attached from my credit report. ) Payments are made to XXXX XXXX. ( Please see attached payment record dated XX/XX/2020 for reference. ) This payment should have never have gone to XXXX and this account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-24 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: AZ

Complaint narrative:
Hi, I am writing this complaint on ( Experian Rent Bureau ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. 

So XXXX XXXX XXXX put a account on on Rent Bureau report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed Experain, XXXX and XXXX  this was a fraudulent account. All three credit bureaus deleted the XXXX XXXX XXXX off my report within 4 business. 

Experain Rent Bureau told me they have to contact XXXX XXXX XXXX to delete this account and it will take 30 days. 

I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report.

How can Experain delete this off my report but the Rent Bureau section wont delete this off my account.

Rent Bureau still falls under the FCRA and should follow the rules. 

FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Attached is a police report and dispute letter

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 2020-06-24 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
XXXX XXXX from FNB of PA sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to FNB of PA and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD location for FNB of PA on XX/XX/2020 regarding FNB mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with FNB of PA in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at FNB of PA. I was told by FNB of PA that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and first national bank in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for FNB of PA. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for FNB and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, FNB of PA  responded to my emails and said that the mortgage company for FNB agreed to remove the negative reporting that my mortgage was late XXXX 2020 since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because FNB mortgage dept was taking too long to respond to me. However, the letter FNB sent in response to my XXXX XXXX XXXX and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. FNB of PA mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to FNB in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for FNB in  XX/XX/2020 and not my second mortgage company. I need FNP to  do what they said they would do, remove the negative report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I am filing this complaint based on the lawsuit filed against Santander Consumer USA. A lawsuit was filed against the company for financing and securitization of sub-prime auto loans in Maryland. I was a victim of this lawsuit ; I purchased a XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX MD, XXXX XXXX XXXX. My credit score at  the time was low, however I was approved for a vehicle through Santander banking, with an interest rate of 21.83 % .The amount financed is XXXX and with the interest I will be paying XXXX. I have paid approximately XXXX into the auto loan since XX/XX/2017. I have the Sales Contract and any other documentation that is needed for the complaint. This has caused me a hardship. I have made payment arrangements in the last year to apply payments on the end of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: AR

Complaint narrative:
I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.

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 2020-06-24 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: AR

Complaint narrative:
I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.

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 2020-06-24 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I mailed a debt validation letter to Bank of America ; Acct Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ] on XX/XX/2020 via certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). Bank of America failed to provide me with the information I requested in my letter, and furthermore, failed to place my account 'In-Dispute ' status with the credit reporting agencies. 
On XX/XX/XXXX, Bank of America sent me a letter stating that my cased was closed and resolved, but the again on XX/XX/XXXX, I received and email stating that more time was needed to research my concerns, citing to hope to resolve this matter by XX/XX/XXXX. 
As of today, XX/XX/2020, Bank of America has not reported to any credit bureau agencies that my account was ever in-dispute, and they have not contacted me since their last email about this issue and/or sent me the documentation I initially requested in my debt validation letter.

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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
XXXX had transferred my mortgage loan to LoanCare in XX/XX/2019. 
At the same time I submitted a Real Estate Relief statement in XXXX from the Commissioner of the revenue which I was 100 % granted. In XXXX XXXX made a final escrow transfer of {$370.00}. In XXXX XXXX informed me where to submit my payments. During this time Loancare is assessing the XXXX XXXX XXXX. On XXXX XXXX I received a letter that I had a shortage of {$580.00}. Even though they did acknowledge the tax relief I only received {$100.00} @ 3 months which was {$310.00}. There is still the 9 months remaining. The tax relief was XXXX XXXX. I emailed information I sent letters. I have also submitted a 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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MD

Complaint narrative:
I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: MI

Complaint narrative:
On XXXX XXXX i had my card frozen while trying to purchase a item called customer service they explained it would be resolved quickly, however netspend then stated we need 4 documents and have to wait 4 to 6 hours for approval sent the information in yet it was always something else more they needed i did this 3 times. Now on XXXX XXXX netspend wants the impossible a custom receipt from unemployment for the direct deposit???? And no it can not be a screenshot .I explained its not possible to get that and they don't care. I've sent my ID SSC A peice of mail a screenshot receipt as well as monetary determination from the UIA pdf. Letter still account is locked.

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 2020-06-24 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}

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 explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX and the home was short sale in XXXX. XXXX agreed with short sale and now still has a third party Dyck Oneal collecting payments. I had no agreements with Dyck Oneal in regards to mortgage payments. XXXX got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 2020-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Garcadia Financial LLC
State: PA

Complaint narrative:
On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX  multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
let me invest with XXXX

Company response to consumer: Closed with explanation