vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
On XXXX! XXXX Citizen Bank reported a hard inquiry on my credit report but I have not given them my personal information to apply for or obtain any assistance with a loan, credit, account or credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of 2021 I bought the car I had been leasing and obtained a loan from Chase. I submitted my paperwork, notarized, and have been making monthly payments on time every month since. 

In XXXX, I realized I did not have a title issued to me. I contacted Chase to find out what was happening and I was told I would have the title issued to me by the XXXX of XXXX. 

That date came and went. I have been in touch with the company weekly by phone and three times via their website to try to resolve the issue. I have received no timeline for the issuing of this document, nor any updates about what is happening that is taking so long. I have been issued verbal and email statement declaring me a valued customer, but the steps that have been laid out to me by the customer service representatives have not been followed through on in any way. It has been 7 months. 

At the beginning of the summer I had an offer to buy the car for {$4000.00} more than what I owed on it. I have XXXX children in college and another in high school and I was counting on this money to help pay bills. Instead, I remain title-less and unable to exercise my right to sell the vehicle. 

I would appreciate your assistance in motivating the company to produce the document required, and/or to begin the process again by completely re-doing the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
This account has been disputed several times with Nissan as well as the credit bureaus. Nissan has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to nissan to investigate no matter how many times I dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Was not notified of investigation status or results
Company: ERC
State: CA

Complaint narrative:
I am having an issues with a collection company. They are reporting on my credit for something that is not mine. Enhanced Recovery Corporation. They are reporting that I owe XXXX money which I do not. I have not have XXXX in ten years. I have ask over and over again for a validation of debt and no one can give me one. If you cant prove that is mine how can you report it? I cant verify something without proof. Again I have NOT had XXXX in ten years. If I do not get an itemization statement or this is not remove I will sue in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NJ

Complaint narrative:
This account has been disputed several times with XXXX as well as the credit bureaus. XXXX has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to XXXX to investigate no matter how many times I dispute this.

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 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had called into 5/3 bank mortgage services requesting a payoff amount ( {$38000.00} ). I made the payment while I was on the phone with the rep. The payment was setup to be submitted on XXXX. I logged into my account on XXXX and noticed that the entire amount I has sent was titled as unapplied credit. There was nothing applied to even a regular payment I also noticed that the regular monthly payment was still made the day after they received my payoff amount. 

I called customer service and was informed that the correct payoff amount was $ XXXXxx.xx and there system did not know what to do with the payment I sent and that is why it was being held in unapplied credit. I asked why I wasn't notified and I was told their system is setup to send out a notification 10 days after unapplied credit is received.

I let them know the reason for the payoff was to lower my debt to income ratio and apply for a loan for an upcoming purchase. Since this wasn't paid off in the time I had anticipated I informed the customer service rep that I would like that money simply sent back to me. I was informed that she would submit a ticket and that a manger would reach out to me in 4 business days to discuss. I asked why that was the solution as they have held my money for a week.

On XX/XX/XXXXI reviewed regulation z and I believe what they are doing is in violation of : 1026 Paragraph 36 ( c ) ( 1 ) ( ii ) When sufficient funds accumulate to cover a periodic payment, as defined in 1026.36 ( c ) ( 1 ) ( i ), they must be treated as a periodic payment received in accordance with 1026.36 ( c ) ( 1 ) ( i ).

5/3 automatically put the whole {$38000.00} into an unapplied credit and a seperate payment had to made after!

I also believe the way this was handled is subject to 36c1 ( iii ) Non-conforming payments. If a servicer specifies in writing requirements for the consumer to follow in making payments, but accepts a payment that does not conform to the requirements, the servicer shall credit the payment as of five days after receipt.

I believe there refusal to credit me back and have me wait over 5 days is in violation of this.

I called back to notify 5/3 of these concerns but was told their procedures again.

I am not sure if my interpretation of reg z is correct but at the very least it doesn't seem like they are acting in good faith holding the funds and not getting back to me until at leastXX/XX/XXXX.. .hopefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
transworld systems inc. XXXX XXXX XXXX XXXX de. XXXX ( XXXX ) XXXX date assigned XX/XX/2018 has been sending me collection notices in the amount of {$98.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. this company does not have acontract with my signature. also i have not supplied proof under doctrine of estoppel by silence engel vs gravens ( mo ) 281 w 715, 719 i presume that no proof of the alleged debt nor therefore any such debt in facts exist. This account is involved in litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I logged into PayPal to send an invoice to someone who owed me money. I accidentally sent them a payment of {$3200.00} instead of sending an invoice. The recipient was very cooperative and refunded this mistaken payment immediately. 

However, PayPal charged a 2.9 % transaction fee on my payment ( in this case, the fee was {$93.00} ). PayPal refuses to refund this transaction fee, even though the original payment was an accident and was promptly refunded by the recipient. 

I contacted PayPal through their message service. I received an unclear reply with several grammatical errors. PayPal said " because when you send [ sic ] the payment, because it was for a [ sic ] goods and services, the money that the receiver get [ sic ] was the amount they refunded you ... '' I sought further clarification, and received a subsequent message from a different customer support agent, stating " If someone refund [ sic ] a payment for goods or services, there are no fees to issue the refund, but the fees you originally paid as the seller or sender are not returned to you. '' Again, this was not a " payment for goods or services, '' it was a mistaken payment that was refunded by the recipient. It seems totally unreasonable that I am being charged nearly {$100.00} in transaction fees for a transaction that shouldn't have occurred, and which was reversed within minutes. Furthermore, PayPal insists upon characterizing this as " a payment for goods or services, '' which it plainly was not. The recipient did not provide goods or services, was not expecting a payment from me, and promptly refunded the mistaken payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX, two of my student loans were improperly posted by the lender. This caused for a 30 day late notice to be posted and reported to the credit reporting agencies. 

I cleared the error with the lender and proceeded to dispute the report with all three agencies. Experian is the only reporting agency that has not changed the late status of my credit report after more than one year of attempting to clean the reports out. 

They are stating that someone by the name of XXXX XXXX is reporting this back to them. According to the State of NJ Student Assistance/Lender, there is no such person working there. 

The late reporting could potentially hurt my chances of employment and consolidation efforts and I would like it fixed. 

The contact for the State of NJ Assistance is XXXX XXXX /Investigator XXXX XXXX. 

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 2021-09-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!

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 2021-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting a late a 60 day late payment with the Office of the Attorney General. However the account shows opened XX/XX/2017 and the payment history shows the 60 day late payment was the month before the account even opened! How is that possible. Besides I always paid my child support on time. The account can not be late even before it opened. This is ensane.

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 2021-09-10 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My name is XXXX XXXX. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX. I paid cash for this car. For some reason, the car was registered as being financed thru Hyundai Motor Finance Company. THE CAR WAS NEVER FINANCED. I tried dealing with Hyundai Motor Finance Company, but the customer service agent was of no help to me. I reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX then contacted Hyundai. But again, nothing has been accomplished and the vehicle still shows Hyundai Motor Finance Company as the lien holder. Needless to say, this has been very frustrating! 

VIN : XXXX I'm attaching an email exchange between XXXX XXXX XXXX XXXX XXXX and Hyundai Motor. Neither XXXX nor I have heard anything after this. Please help! 

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 2021-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I moved from my residence back in XX/XX/2020, I had no knowledge of the debt because it was not on my credit report. I checked my records because I tried to purchase A home and there was information on Wisconsin 's circuit court access that I was not aware of. I was already paying XXXX XXXX XXXX monthly and did not get notified of another debt. I would have taken care of it as I did the other one but now this is on my records and I would like it removed. I talked to the attorney Dobberstein Law firms at XXXX because they refused to talk to me about this. This is unfair they did not attempt to contact me any other way although my email never changed and my new phone number is listed on the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: NC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX  ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing told us on XX/XX/2021 to submit an application for modification. 

On the SAME DAY, XX/XX/2021, they scheduled the house for a foreclosure sale date so it appears that there was NEVER going to be a review of the modification application. 

Called and spoke to XXXX on XX/XX/2021 and she could not answer the question as to why we were told to submit modification application and house was scheduled for sale on the same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
transworld systems inc. XXXX  XXXX  XXXX  XXXX  de. 19850 ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$50.00} the collection has been repoted as past due balance, i do not know this company. i have never done any business with this company. This company does not have a contract with my signature. i have not suppied proof under doctrine of estoppel by silence. engel v gravens ( mo ) 281 w 715, 719 i presume thst no proof of the alleged debt nor therfore any such debt in fact exists,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I opened this auto loan with Santander consumer USA XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. 
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2021, a charge by 'XXXX XXXX XXXX ' in XXXX XXXX XXXX XXXX appeared on my credit card, for USD XXXX. This charge alleges damage to a rental car in XXXX. I did not damage this car. 

On XX/XX/2021, I disputed this charge. I was subsequently provided with a rental car contract for this rental. Close inspection of this contract revealed the following : - The rental car contract is not in my name, but in a name similar to my name. 
- The address provided on the contract is not my address, and in fact does not seem to be a US address at all. 
- The contract lists a driver 's license number as XXXX XXXX XXXX : XXXX. I do not have a driver 's license with such a number, in fact all Michigan drivers ' licenses follow the scheme of one letter and 12 numbers. I have provided a copy of my drivers ' license to the credit card company. 
- The contract lists a passport number. The number listed does not agree with my passport. I have provided a copy of my passport. 
- The signature on the contract is unreadable but does not agree with my signature. 

I am therefore not willing to cover the costs of this rental. 

My complain to the credit card company has subsequently been closed, with the answer that they have reviewed the materials and couldn't find anything wrong with them. None of the points that I have raised have been addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Everest Receivable Services Inc.
State: NC

Complaint narrative:
A person called me claiming to be from Everest Receivable Services. He told me he needed the last four digits of my Social Security number before he could tell me why he was calling. I asked him explicitly three times if he was a debt collector, and he refused to answer unless I gave him my SSNs last four digits. When I told him I would not give personal information without full transparency from him, he said goodbye and hung up.

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 2021-09-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I send an affidavit to JPMCB Card about a hard inquiry that was put onto my consumer report. After doing some research I see that this is JP Morgan Chase Bank. According to 15 USC 1681n ( B ) this is a violation to my rights. 
I sent an affidavit through certified mail with tracking number : XXXX. I have attached the notarized affidavit that was sent with the invoice and exhibit A. Please see attached for further information

Company response to consumer: Closed with non-monetary relief