vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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: Yamaha Motor Finance Corporation USA
State: MI

Complaint narrative:
On XX/XX/XXXX, I paid-off my loan ( XXXX ) on my XXXX XXXX XXXX boat ; the balance was XXXX, which was debited from my Credit Union checking account on XX/XX/XXXX. The loan was through Yamaha Motor Finance Corporations, U.S.A ( aka XXXX XXXX  XXXX ). I contacted their customer service and was told I would receive an email releasing the loan by XX/XX/XXXX. Based on their representation of timeliness, I arranged to sell my boat for XXXX}. When I later inquired as to when I could expect the loan-release email, I was essentially told that the customer service rep was wrong, and that I should expect 15 business days. I contacted customer service several more times and was told about the same. Finally escalated my call to a floor supervisor ( XXXX ) who was unhelpful, other that to say their process requires a computer generated letter. XXXX referred me to their title department ( XXXX ) who also was either unable or unwilling to assist, saying he could be fired if he didn't follow their procedure. Note that it was acknowledged by Yamaha that my loan was indeed paid-off and my account closed. The only reason given for not issuing a loan pay-off and releasing my title was a vague reference to problems that had in the past with fraudsters who tried to cancel the pay-off, so the essentially lumped me in with felonious criminals! I understand that this is a well-known problem with Yamaha, so how related to a recent transition of their financing from XXXX XXXX to themselves. Needless to say, their delay has made me unable to close the sale of my boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: GA

Complaint narrative:
I have been reaching out to TransUnion about the XXXX XXXX XXXX account that is reporting inaccurately on my report. I asked for them to investigate and verify the information they are reporting and I haven't received a response from them, proof an investigation was completed, comments showing the account was in dispute or anything. I have been sending letters to them since XXXX of 2020 and still haven't received a response in regards to this account. I'm in the process of trying to purchasing a home and this inaccurate account is preventing me from moving forward. They are also still reporting an outdated Bankruptcy.

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 2021-06-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to XXXX XXXX as well telling them that they are in violation of my rights as well and sent letters to XXXX XXXX to fix this. Certified as well and was received by XXXX XXXX on XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to XXXX XXXX as well telling them that they are in violation of my rights as well and sent letters to XXXX XXXX to fix this. Certified as well and was received by XXXX XXXX on XXXX XX/XX/2021.

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 2021-06-12 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: DISCOVER BANK
State: CT

Complaint narrative:
The amounts were for XXXX XXXX for XXXX XXXXXXXX and XXXX for discover during the pandemic I got sick with XXXX and lost my job i tryed to explained this to my creditors but they offered no additional assitance to me.. so i made an arrangment to pay the minium amount i owed on both accounts in return they promised me they wouldnt report anything negative to my credit report but instead they did and lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/XXXX, I booked 2 tickets of round trip flights ( ICT-ORD ) with XXXX XXXX via Chase Travel. ( Chase Travel Itinerary Number : XXXX, XXXX Confirmation Code : XXXX ) On XX/XX/XXXX, Chase XXXX emailed me that XXXX had cancelled my flights and offered to cancel my flights so I can rebook through them again. On XX/XX/XXXX, I requested a refund back to my credit card in full because the merchant ( XXXX XXXX ) was not able to provide the service I paid for ( the original flights ). ( Chase CLAIM ID : XXXX ) On XX/XX/XXXX, I received an email from XXXX Customer Care ( Case ID : XXXX ) saying that both tickets ( Ticket Number : XXXX & XXXX ) have been processed for a full refund ( {$400.00} each ) and should be processed within 7-10 days. On XX/XX/XXXX, Chase credit card rejected my charge dispute and rebilled me in full for {$790.00}. Note that this is after the merchant had already agree to issue a refund back to Chase Travel. As of right now ( XX/XX/XXXX ), more than 2 months later from the original transaction, I paid {$790.00} + XXXX ultimate rewards points, and did not receive the service I paid for, and I have not received any refund in the form of either flight credits or back to my credit card anywhere ( nothing on Chase Travel, XXXX, nor my Credit Card ending in XXXX ). Chase is still refusing to issue me any refunds for this dispute even though XXXX had already approved the refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: FL

Complaint narrative:
On XX/XX/2021 I contacted XXXX XXXX ( a mortgage broker XXXX XXXX ) for the purpose of obtaining a home equity loan. They put me in touch with American Pacific Mortgage loan application # XXXX ( file # XXXX ). I was dealing with XXXX XXXX one of their loan officers. I spent close to 6 weeks gathering massive amounts of my personal financial information for the purpose of securing a home equity loan. Some days, I would spend upwards of 6 hours trying to obtain, scan and email this information to XXXX at American Pacific Mortgage. 
Just when I thought I was ready for closing more and more documents and explanations were required. I complied for each item requested. 

On XX/XX/2021, I first received a good faith estimate of the closing costs. I was under the impression that I was supposed to receive it within 3 days of applying. After doing all the work for about 6 weeks, I then was told that I couldn't qualify for {$160000.00} loan. 

I got so frustrated and tired I cancelled the entire application because their customer service was lacking and it affected my health.

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 2021-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Kia Motors has this car reporting on my report as a charge-off with a balance even though it was repossessed. They also let us know that the car was resold. We've reached out to them about the way this is reporting but never received a response.

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 2021-06-13 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: CA

Complaint narrative:
I have disputed the account because its in litigation and inaccurate. I have disputed this error with the three major credit bureaus ( Experian, XXXX, and XXXX  ) for over a year now. XXXX  and XXXX  both were in agreement that indeed the reported account was invalid and unverifiable and therefore has removed item from my credit report. However Experian continues to report and verify this debt is being valid and correct. I have now received restitution from the company following XXXX XXXX  lawsuit and Experian still fails to report correctly.

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 2021-06-13 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: IL

Complaint narrative:
Transunion has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Transunion. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Transunion to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with 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 2021-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: MA

Complaint narrative:
On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the XXXX XXXX XXXX. I was given Ticket number : XXXX regarding my call and inquiry. 
She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. 

Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 

This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX  and XXXX  and none of these amounts are familiar to 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 2021-06-13 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: IL

Complaint narrative:
Experian has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Experian. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Experian to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with 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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian 's atrocious system of verification has caused me no end of problems and difficulties trying to obtain an auto loan. As a result, I have had to rent a car for over a month totaling rental fees of over {$1000.00}. 

They MUST develop a better system of identity verification instead of refusing consumers their free Experian credit bureau report AND refusing to unfreeze reports when consumers are attempting to obtain needed loans. 

Perhaps this is occurring because I routinely turn down their repeated requests ( or offers ) to upgrade my Experian account to their costly premium service? I don't think they should be asking me this every time I log in. ( By the way, why are they able to identify me correctly every time I log into the Experian website but refuse to unfreeze my reports when I need to apply for credit?

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 2021-06-13 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: DISCOVER BANK
State: DE

Complaint narrative:
On XX/XX/XXXX you informed me by e-mail that Discover Card responded to my previous complaint but I do not see that response. Moreover, Discover not only failed to resolve my dispute in the latest statement they added new charges for my refusal to pay their fraudulent charges. I therefore file this new complaint with addition of supporting documents. 
The full story is as follows : In early XX/XX/XXXX I purchased in XXXX XXXX XXXX 32 piece chess set as " XXXX XXXX XXXX XXXX XXXX XXXX. '' That set of chess had all figurines of major Republican and Democratic officials except for the Democratic nominees : XXXX  and XXXX XXXX. Inside the box was a pamphlet that indicated that in order to get those two figurine I have three options : 1 ) make an order on a website XXXX ; ' 2 ) call toll free # XXXX ; or 3 ) mail check or money order for {$9.00} + {$4.00} S & H to : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. I chose the third option and mail a check approximately in the middle of XXXX. Regrettably I did not put the date on the check but surrounding that check other check indicates that it was dated approximately XX/XX/XXXX or XXXX, XXXX. 

I did not get any response not did I get any requested figurines of XXXX  and XXXX. On XXXX I used the second option and placed an order by phone using that Discover card. I also used my e-mail for communication. I received a confirmation of that order by e-mail. Two pages of that confirmation is attached to this complaint. 

On XX/XX/XXXX XXXX submitted my check for cashing and it was cashed also on XX/XX/XXXX. ( copy of the cashed check is also attached to this complaint ). I was very upset when I discovered that because I wanted and needed only one set of Democratic nominees. I received that set but was charged twice for those two figurines. Moreover, on XX/XX/XXXX I was charged {$1.00} and {$13.00} for unknown " merchandise. '' Then on XX/XX/XXXX I was charged another {$12.00} for unknown " merchandise. '' I did indeed received two packages from the same California address from which I received original package with XXXX  and XXXX  's figurines. I do not know what was in those packages. Without opening those packages I returned them back. Copies of front of the packages and XXXX XXXX XXXX receipt for accepting those packages for return are attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from On Line which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party. 

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: GA

Complaint narrative:
I was in XXXX  during the time that my information was being used. I have submitted a police affidavit and FTC to equifax and I haven't gotten a reply back for that. I submitted a XXXX  letter as well earlier this year and got no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: AZ

Complaint narrative:
I have a debt with LendingClub where I was paying {$170.00} a month. The balance never seemed to decrease. The last outstanding balance was {$3700.00}. I filed several financial hardships with LendingClub due to COVID-19. I wrote LendingClub requesting to know how to settle this debt. A few days later, LendingClub never responded and sent my account as a charge-off. Now this is on my credit report as a charge off. I am requesting to settle this debt and remove this charge off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. so am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for mont but I just remembered I could file a report on here ad I feel they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently. my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief