vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: FL

Complaint narrative:
On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX. The theft was immediately reported to the finance bank and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX/ XXXX XXXX XXXX ), And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX  XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have 0 % left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX ( 1 yr, 11 mos ) Term 41 months Payment History Last payment No Info Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Lease Responsibility Individual Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.

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 2021-04-27 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: NY

Complaint narrative:
XXXX  and TransUnion are both reporting a balance on an account that was settled several months ago. The account is 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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I started the process of refinancing my existing mortgage held by Loan Care/XXXX XXXX. I chose them because they had my existing mortgage and I thought it would be simpler. My girlfriend and I submitted all the paperwork, tax statements, bank account info, etc by XX/XX/XXXX. Despite multiple phone calls and emails, our closing has still not occurred. Our rate lock expired XX/XX/XXXX, but they state that they will honor it. But a refinance should not take 5 months. And we stil do not have a closing date. 

My personal contact person is XXXX XXXX, who has been very polite, but this is till not going anywhere. XXXX XXXX has also contacted me.

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 2021-04-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and XXXX  are both reporting a balance on an account that was settled several months ago. The account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: GA

Complaint narrative:
I have a membership with experian i corrected with XXXX  when i noticed they had wrong information on my credit report they have XXXX XXXX XXXX on there which iam not my middle name is XXXX or maiden name XXXX  please correct.

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 2021-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I received a letter today via XXXX from VIO Bank on XXXX  XXXX thanking me for opening an Online Savings Account on XX/XX/21 with them. I immediately called to cancel the account. They will send me a cancellation letter in the mail, but recommended I contact the 3 major credit reporting agencies : XXXX, XXXX  & XXXX, as well at the FTC & local police to file a complaint. I have filed a complaint with the XXXX XXXX, PA police department, case # XXXX. 
I was also told to have the police issue a subpoena via certified mail in order to release information on the account opening- but police indicated that is not the process.

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 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/2021 I visited XXXX around XXXX, the server was friendly and courteous. I ordered the chicken basket, fish basket for my spouse, a XXXX drink for me and a beer for my spouse. The service was good, however when I got home I started feeling stomachache and I started having XXXX  for two days. At the moment of service and when I left the restaurant I was feeling great and didnt have any stomachache or pain. I contacted XXXX through XXXX and XXXX XXXX from customer service replied to my concern and she didnt wanted to accept responsibility and as you can see in the screenshot I provided she ignored my complaint and didnt not responded back to me. Its outrageous thats this restaurant takes to much pride to accept their mistakes and the fact that I was ill for two consecutive days after consuming their food. I would not pay for a service or food that got me sick. I created a claim with Bank of America and I was provided a credit, however I received a letter today to the message center that states that the transaction is valid and that Bank of America would remove the issued credit. The transaction is valid in fact, I never said otherwise. My concern is that after I went to this restaurant I started having stomachache and I had XXXX  for two consecutive days. I have been to numerous restaurants in the past and I have never had any problems like I had at this restaurant. I was reviewing the reviews when I started feeling sick and I wish I had done that before. XXXX XXXX responded to my message and stated that they have never received any complaints for their food and I attached several reviews of complaints regarding health food issues at this location.Thanks for taking the time to review this matter and I just want my refund. 

Respectfully, 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 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a membership with XXXX i corrected with XXXX when i noticed they had wrong information on my credit report they have XXXX XXXX XXXX on there which iam not my middle name is XXXX or maiden name XXXX please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off my vehicle, in full, in XX/XX/XXXX. I called Chase Auto in late XX/XX/XXXX, a month later, to ask when I would be receiving the title to my vehicle. That was when they notified me that the title had been mailed out over a month ago, via standard USPS mail. The agent essentially told me that the title must have been lost in the mail and that I would need to go to the DMV here in California to apply for a new title. 

I asked the agent why they would send such an important document, such as a car title, via standard USPS mail, with no tracking, especially during a pandemic. The agent said it was " standard procedure ''. 

They then proceeded to tell me that if I wanted the title to be delivered with tracking, I would have had to call and request that, and pay a {$6.00} fee. None of which I knew, because I was never sent a notification, and this is my first time financing. I just assumed a bank as large as Chase would use common sense and have a shred of decency to mail it in a secure method. 

After my conversation with them, I went on to learn that instead of me having to go to the DMV, an obvious inconvenience, and have to pay a new title fee, CHASE could have applied for a duplicate title via US mail, however, that option was NEVER given to me when I called them. They were simply passing the buck to me. 

I called back again to explain this to them and ask why I was essentially lied to. The agent I spoke to, XXXX, was unhelpful and combative. So I asked to speak to a Manager, but was left on hold, purposely I suspect, for well over a half hour. 

Chase Auto Finance is the WORST. Mind you, I paid my vehicle off, in full, a year and half early. I also was never late, nor missed a payment. Horrible company. 

This issue is still ongoing and unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
I have contacted Kia motor finance three times about getting the title for my XXXX Kia XXXX that I paid off in XX/XX/XXXX. Kia initially attempted to mail it to the XXXX DMV but it was returned to Kia by XXXX  due to an incorrect address. KIA has been in possession of my title since it was returned to them by XXXX  on XXXX XX/XX/XXXX. Each time I call to request it to be resent directly to me I am told they will submit the request to their title department and to call back in 5 business days. I have spoken to two supervisors and they also say that is all I can do. No one in their customer service department will assist further or connect me with someone who can help. I am at a loss as to what to do next. I need the title to be able to register my car in XXXX This is preventing me from being able to earn an income.

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 2021-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not recieved a response in regrds to my dispute and I submitted the dispute more than 60 days ago.

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 2021-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Wallace Management Company, LLC

Complaint narrative:
RESPECTIVELY SIR SIR I HAVE THREETY YEARS RELATIONSHIP WITH THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  SEVEN YEARS ASSOCIATED WITH THE XXXX XXXX XXXX XXXX XXXX XXXX, SIR I AM XXXX STUDENT OF XXXX XXXX XXXX SCHOOL CONTINUES YET N CURRENTLY IN STUDY ENGLISH LANGUAGE AT XXXX XXXX, SIR KINDLY ALLOW ME TO PERFORMANCE WITH YOU AND GRANTS ME SCHOLARSHIP, SIR I SURE U THAT I WILL PERFORM DUTIES WITH LOYALTY, THANKS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
these people keep calling using various fake and valid phone numbers, never leave a message, and when i did get someone on the phone they said my number was associated with someone who owed on a debt, NOT ME-I asked them to stop calling my phone, and they got very loud, vulgar and abusive. I have been getting these calls for over a year to the point I do not answer my phone anymore-I did use this number for my self employed business since the early XXXX 's but that is no longer an option. I am angry that this company can get away with this, and ask the government to look into their practices as there are literally thousands of examples of their abuse online in reviews about PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
fcra violatons wrong info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show XXXX XXXX Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY SSNs show XXXX XXXX Only variations displayed. Select as many as apply XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2021 at XXXX a representative from RMP Services LLC by the name of XXXX XXXX called a number associated with my account associated with a medical bill, failed to verify through any of legal identifiers ... date of birth ... ssn .... address ... if I was the correct party and began disclosing personal and private information to a third party before confirming if it was Same name Jr or Senior situation. When I informed him he became aggressive and his collection tactics became intimidating I asked for his manager and he transferred me to the voicemail. When I called back to get the names and address the rep XXXX XXXX was equally as rude and evasive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar Mortgage dba Mr Cooper violated the HOEPA provision prohibiting charging a consumer for payoff demand/quote. The following details are for Loan # XXXX which is now fully paid/closed. 

Mr Cooper allowed a third-party ( new lender ) to indiscriminately request multiple, redundant, and repetitive payoff quotes, then billed me ( borrower ) from the loan payoff funds for the amounts noted below totaling {$250.00}. 

Multiple phone calls to Mr Cooper have resulted in an answer that the loan is now closed and no further action can be taken on their part. 

XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery XX/XX/XXXX - {$50.00} = {$30.00} for Payoff Quote good through XX/XX/XXXX and {$20.00} for Expedited Delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GEMINI CAPITAL GROUP, LLC
State: CO

Complaint narrative:
In XXXX Gemini Capital Group , LLC filed Motion with XXXX XXXX XXXX for garnishment of my income for a repossessed vehicle from XXXX. I've been on XXXX since about XXXX. The same Gemini Capitol Group has filed Motion for Revival of Judgment again. Nothing has changed in my living status. I'm still on XXXX and can't believe the predatory nature of this company to do this to me again. I don't believe they can garnish my income from my bank deposits every month from Social Security. What are they wanting to do to me, ruin my credit? I have no vehicle and my credit will not allow me to finance another vehicle. They add more stress in my life with a total income of about {$18000.00} yearly that is very predatory nature of this company and what is going on in America

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: GA

Complaint narrative:
I try to dispute as fraud and nothing has been done

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 2021-04-27 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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 2021-04-27 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I am being charged for a bill collected from XXXX  XXXX that was paid off. HP Sears XXXX claims that i never paid off the bill, which I did. My current balance is of {$590.00}. I live off Social Security not making more than {$1000.00}. XXXX  XXXX store attempted to take advantage of people by giving them high prices and interest rates. I called HP sears to provide me with a receipt or statement that shows what i owe. They stated that they send it to XXXX XXXX. Why should i pay off something i never used? Account number is XXXX. Amount supposedly owe is {$590.00}. 

Phone number XXXX

Company response to consumer: Closed with explanation