vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Veros Credit, LLC
State: WA

Complaint narrative:
My car was involved in an accident on XX/XX/2021. As a result, the vehicle was declared a total loss. As part of the insurance settlement, I decided to retain the vehicle as-is. I retained the now-salvaged car and the XXXX paid me the remainder of the said settlement. 
The vehicle had an outstanding balance with the finance company, Veros Credit. 
The insurance company paid off the vehicle and since I retained the vehicle, I logically became the legal owner of the vehicle. 
After fixing the vehicle, I visited DMV for registering the vehicle to my name, but DMV required an Affidavit in Lieu of Title which would prove the release of interest from the Finance company. 
I have been trying to get the Affidavit in Lieu of Title or any other document proving I am in fact the legal owner and can get the car registered. But Veros credit makes it impossible to get the said docs. They keep me in an infinite loop providing contradicting information. They initially said that they have sent the title to the Insurance company. But it later became clear that the address they sent the title to was my old address where I no longer live. Consequently, I have not received the title. They later said they will re-send the document to the insurance company and it is where I can get it from. But on my final call they said an Affidavit in Lieu of Title is an electronically issues document and can not be mailed in actual copy. 

As a result, now I have a vehicle that was paid off by me but the finance company in reality refuses to assist me and release the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TX

Complaint narrative:
I need to activate my debit card, tried to do it by the automatic phone call and was not possible because I dont have Social security number. Then I request to speak with an agent to activate the card and after 4 transer adn more than 1 hour on that the robot said the expected waiting time is more than 1 hour 15 minutes.

I dont that time to waste activating my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a bankruptcy that does not belong to me showing up on my credit report and background check. I have sent the request to XXXX, XXXX and transunion to remove.

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
Complaint Details On XX/XX/2022 I paid off the remaining balance of two ( 2 ) phones and my mobile service with XXXX XXXX. At that time my phones were then unlocked because I had no remaining balance with XXXX  and I owned both of the cell phones. On that same day I switched my phones and phone numbers to XXXX XXXX XXXX XXXX so I no longer had ANY service with XXXX XXXX. On XX/XX/XXXX I receive a bill from The CBE Group, INC on behalf of XXXX XXXX for {$130.00} which was for services after XX/XX/XXXX. These charges included payments for both cell phones ( which I paid off ) and my monthly service fee. I would not have been able to switch my phones or phone numbers if I had any balance owing to XXXX XXXX. And in switching my phone numbers and phones to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX no longer was my service provider. 

I never received a bill from XXXX XXXX via mail or email. The first time I learned of this debt was from a collection agency. 

I was told by XXXX XXXX on XX/XX/2022 that I would not owe anymore money. There is no way I would be able to take my phones and transfer them to another carrier if I had a balance owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a XXXX with a XXXX at the time the reports was made. Anything on all XXXX credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a XXXX with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved. My social 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 2022-04-04 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2022-04-04 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked TransUnion, XXXX and XXXX, to please remove XXXX XXXX XXXX account, this is not my account and they will not remove it from my credit report. 
I have disputed this account for a year, with both TransUnion and XXXX XXXX XXXX account. XXXX XXXX XXXX, has been rude and threaten to file a public account ; I have had problems with XXXX XXXX XXXX in the past and it takes months if not years for the credit bureaus to remove items from my credit file.This XXXX XXXX XXXX company don't care that these reportings are hurting people. 
I have had Identity theft for over twenty years and have done everything I can to stay on top of checking my credit file .I have a special number to file my taxes from IRS because of identity theft. 
Thank you, 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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent documents to XXXX, XXXX, Equifax via certified mail last month XX/XX/2022 i have yet hear any response back, it was about incorrect reporting info about all the hard inquiries I have on my credit file which I did not do, someone stole my identity a while back and there still out there applying for things in my name, I've have had a fraud alert in place on my file that anyone trying to get credit to call me and verify. I did not receive any calls back or anything for any of those I did not verify any of those. the only think I have has a hard inquiries should ne XXXX  XXXX XXXX XXXX my bank that's all I've applied for I want all this inquiries removed that were fraudulent done there's multiple ones on there of the same thing over and over I also sent over letter that 3 accounts to be removed immediately for wrong inaccurate reporting i will attach letters sent along with FCRA violations committed these accounts have been paid in full and the lender agreed to remover them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved. My social 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 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi closed my BrandSource store credit card without notice or my request while still having an outstanding balance. I would like the account to be reopened so that I can continue to use the card. When I called Citi they could not explain why it was closed and i received no notice of closure by the card issuer.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have multiple addresses reporting to my consumer report, that do not belong to me. I believe this is attributing to the negative items on my report, that are troubling my experience while trying to purchase a home. They need to be removed immediately. 


XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX i was paid by check for some work i had done for this person. I checked her id and it matched the check. Come to find out it was fraud. I didnt know this. This person also got a hold of my card and used twice. I checked my account on the first when i was suppose to get my va XXXX and was told to call in. I explained everything to them and they told me funds would be released once i got them police report number. I called the next morning with what they asked for and was told my account would not show deposit until tuesday and it was saturday. I explained that I was out of town with my daughter tending to her XXXX  XXXX  and this was hindering me grossly but I was told this was protocol. It is now Monday night and Im calling to verify that everything I was told a.k.a. my account was unfrozen and that the deposit would show up at midnight is going to indeed happen. I was then told I had to be transferred to special handlings in my account is still frozen even having to wait five days for a deposit they got on the XXXX is wrong now XXXX knows how long I have to wait and I am stuck here can not eat can not do anything without make up to check. I spoke with the manager on Saturday named XXXX who told me my account at that minute was unlocked that she unlock it but I could not get the deposit until Tuesday morning now come to find out thats not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/2019, I was late on a single Kohl 's payment for a nominal amount. It was a simple slipped my mind situation which I rectified when brought to my attention. I have no other late payments on my credit report with any company. I have asked Kohl 's multiple times to please remove this from my credit report. They continue to refuse to do so even though it's been more than 3 years since the one late payment. I feel it is unfair to continue to have this ding on my credit even though my account has been in good standing for more than 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX agreed to delete their accounts from my credit reporting after settlement but they have yet to do so. Please delete as this was part of our deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Swe Homes LP
State: GA

Complaint narrative:
I purchased this home back in 2017 with a private lender because my financial situation was not the best and could not get a traditional loan. I paid XXXX down and started making payments. I got insurance on the home and continue to make the payments. The home has not been in the best condition since my family and I moved in it but we could not afford to do anything about it. The plumbing does not work properly and the home is not insulated making for very brutal winters and there is no XXXX  system. Giving that I worked on my credit so I can try to get better living situations for my family I tried to sell the home but my name is not mentioned any where on the tax title. I can not refinance and take cash out to fix the major repairs which the plumbing will cost XXXX dollars which XXXX has already been paid to diagnose the problem of waste backing up into the home. An HVAC system will cost XXXX dollars my entergy bill in insane because of the poor insulation and we have to use propane heaters during the long cold winter to heat only XXXX rooms in the home. These people have not tried to work with me to help me come up with any solutions. They do not care about the people they are lending to and they prey on people who are in need of help and they take advantage of them while they are down. XXXX XXXX is the company and SWE home is who they list their properties with. No one will talk to me to see what they can do to help me and how I can get some help. Refinancing would mean I can work with another lender but they are keeping me from doing that or selling. I should not be responsible for repairs if the house isnt even in my name that is unheard of and criminal if they want to keep the home tied up with their name attached to it then they should make the repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report its has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXXXXXX 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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XXXX, XXXX I submitted an account dispute about XXXX XXXX beginning with XXXX with Experian. Report number XXXX. My dispute was about the payment history not matching the actual account by 5 months. Instead of seeking out the current payment history from the lender, the account was deleted from my report. I find this to be highly unprofessional, and uncalled for.

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 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received two letters in the mail from the same company stating, Debt Recovery Solutions , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. It goes on to mention I received XXXX XXXX from XXXX XXXX XXXX. The debt was then purchased by XXXX XXXX XXXX which is whom this supposed debt is owed. The first reference # was for an amount of {$1200.00}. The second reference # the amount was for {$69.00}. The letters also mention I have until XX/XX/XXXX to call or write to dispute all or part of the debt. 
The first part of my complaint is that I do NOT recognize this supposed debt nor the companies involved with the origination or transfer of the debt. This debt supposedly originated on XX/XX/XXXX and I have never received any notification of this debt until XX/XX/XXXX. The second part of my complain is that Debt Recovery Solutions , LLC did not adhere to my rights under FDCPA and FCRA on providing the allotted time to report this debt as it is already reporting on my credit report to at least one reporting agency PRIOR to the date provided to dispute the debt which is XX/XX/XXXX. This is unfair and deceptive implying I owe a debt and reporting it to any credit bureau agency prior to the date provided by the debt collector to dispute the debt. I believe the actions taken by Debt Recovery Solutions , LLC to report this debt to the credit reporting agency is abusive and did not follow the practices of FDCPA and FCRA in protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I wrote a letter to Equifax on XX/XX/2022 stating that they have inaccurate information on my credit report, wrong addresses and inaccurate employers and it has been longer than sixty days and I have not received any updated information from them.

Company response to consumer: Closed with explanation