vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I sent a check for {$30000.00} to Ally Financial for the remaining balance of a leased XXXX XXXXXXXX XXXX XXXX XXXX. The check was for the remaining purchase price of the car as agreed upon. Ally was suppose to send me the original title, the bill of sale and the lien release form so that I could retitle car in my name and place XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as the lien holder. I agreed with XXXX XXXX  to refinance the car at a rate of XXXX % and a monthly payment of {$630.00} per month. This amount was {$85.00} less than the {$720.00} per month I paid leasing the vehicle from Ally. However, this deal was predicated upon me getting the title and retitling the car in my name, placing them as lien holder and sending the title to them for holding until I paid the car off. The problem is that Ally never sent the title to me or to XXXXXXXX XXXX although they claim they did. I asked for a tracking number but they could not produce XXXX. Ally claimed next they sent the title to XXXX XXXX however that was not the truth and XXXX XXXX never received it. Ally finally concluded as I had already concluded the title was lost. Ally stated that I could use a certified copy of the title to get the car retitled so they sent me XXXX but the State oXXXX XXXX XXXX DMV would not accept a certified copy of a title and demanded that I get the original or a duplicate title to retitle the car in my name and place XXXXXXXX XXXX as lien holder. I translated this message to Ally but to no avail and they simply told me that I could take the XXXX XXXX XXXX, the XXXX Holder Release and a Power of Attorney for Ally From XXXX XXXX ( the owner of record according to the DMV ) and that would be sufficient, it was not true and NCXXXX stated the same or if XXXX XXXX who at this time had submitted a form to the DMV to remove their name from the title. It has been over XXXX  months since I paid this car off and I still have not received a title from Ally Financial. This is very disheartening and unappreciated from a loyal customer who made every payment on time while in a lease with them. I reached out to Ally Corporate to file a complaint, their representative called me and took my information but nothing has happened and I am stuck in Limbo with a car, no title and my rate has been increased to XXXX  % by XXXXXXXX XXXX, my new payment is {$880.00} per month and I have had to work with XXXX XXXX from XXXXXXXX XXXX to try and get my rate back and lower my payment. I received a call from Ally Financial ( XXXX XXXX ) and she stated that herself and others are still trying to get the title released by XXXX XXXX, it has been well over XXXX months and I am still without a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cambrian Group
State: CA

Complaint narrative:
Called multiple times from different numbers about a debt that is not mine. Every time I press for more information they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
CFPB, please assist me in securing my rights as I have been defrauded by American Express Bank. I opened an account in XXXX after doing thorough research about my rights and about how American Express handles securities and debt, based off of their filings with the SEC. 

Since the initial billing cycle, American Express has not been engaging in an honorable manner. My first presentment was mailed only two days before my first bill was due and the company harassed me to pay via my bank account while waiting for the presentment. I have attempted multiple times to settle my account with American Express Bank using my negotiable instrument endorsed for payment.

Despite these efforts, American Express Bank has refused to accept the bill as payment on two separate occasions. I was even told that one of my checks was destroyed when I asked for it back. 

During the time between sending payments, my immaculate credit score had been trashed which had resulted in denials by other financial institutions and created a financial hardship for my family, mainly our newborn. A few weeks ago, the bank sent me notice that they were expressing a limit on my account due to non payment, though I have attempted to perform my obligations multiple times to no avail.

With the deformation of my credit and reputation, I attempted to send the negotiated instrument to the CEO ; XXXX XXXX XXXX. At the beginning of this week, I got a response saying my tender of payment was rejected along with the negotiated instrument and POA form the was sent to him. 

At this point, I'm at my wit 's end and need some assistance. The refusal to accept the endorsed bills and the subsequent negative credit reporting have adversely affected my credit score, financial standing, and well being of my family. I have contacted continuously to resolve this issue but have been met with refusal and dishonor.

Under UCC Article 3, negotiable instruments such as bills are valid forms of payment when properly endorsed and delivered. The refusal by American Express Bank to accept such an instrument may constitute a breach of these provisions.

In addiction, the Bills of Exchange Act recognizes bills as legal tender when duly endorsed, obligating the drawee to honor the payment unless specific exceptions apply. Section 29 also states the corrective measures when fiduciaries are not acting in their responsibilities to the beneficiary as Trustee.

The negative reporting by American Express without just cause may violate FCRA provisions, which require accurate and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am getting phone calls from a number saying they are taking care of a legal matter on behalf of TD Bank. Supposedly I was an owner of an account bank in XXXX or XXXX wasn't able to understand caller. They are saying they work for the courts and that the account was over drawn XXXX XXXX and something dollars. They are saying it is now considered fraud. I asked for a letter on a letterhead to be sent to me and she said she couldn't. I have never been a TD bank account holder. She also already had my full social security number and address. 
The phone number that is calling me is XXXX. They leave no business name just saying they are calling form the courts. 
Thye are now also calling my brother and leaving him messages as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Dovenmuehle Mortgage, Inc.
State: KS

Complaint narrative:
On XX/XX/year> an appraisal was ordered in order to secure the loan on our home we were about to purchase. The appraisal was valued at {$380000.00}. We closed on the home XX/XX/year> for the purchase price of {$360000.00}. At the time of closing the Loan amount was {$340000.00}. 

On XX/XX/year> a large payment was made towards the principal for a loan modification ( recast ) in the amount of {$75000.00}. A payment in XXXX was made, making the new loan balance {$260000.00}. Dovenmuehle Mortage then sent us a letter dated XX/XX/year> stating that although we had met the 80 % LTV ( loan to value ratio ) they would not be able to remove the PMI requirement because they had conducted a new valuation of our property that suggested the value of our home had fallen below the original purchase price. 

This letter did NOT include any details regarding the findings or details of their valuation on our home. After calling both the customer service department and the Escrow department for Dovenmuehle I was informed that they were " unable to provide me with any details regarding the valuation ''. They continued to state that if I felt this was a clerical error I could purchase an additional assessment to be conducted for {$190.00} or pay them an additional {$4600.00} in order to lower my principal enough to bring my LTV to 80 %. They do have a copy of the original appraisal that was conducted on file dated XX/XX/year>. 

I contacted the bank ( XXXX  ) that our loan originated from to see if they could help in any way or request more details regarding the issue. They were given a completion date of XX/XX/year> and there is still no information provided from Dovenmuehle on exactly what they valued our property at, or even the details regarding the valuation. 

As it currently stands at the time of this complaint, we have a 73.24 % LTV ratio, yet Dovenmuehle states that is not enough to remove the PMI. Although they have not given me an exact number regarding their valuation on our home, my calculations show that their number places my new home value at approximately {$330000.00}. I am dumbfounded that in XXXX  days the value of my home somehow declined {$52000.00} in value " according to their valuation ''. 

If I am required to provide a detailed appraisal of the home before securing my home loan, and that is sufficient enough to proceed with closing, how is Dovenmuehle allowed to " conduct their own assessment '' of my property without providing any details to me or the bank regarding a {$52000.00} discrepancy? Additionally, requesting more money from the consumer after already having met the requirements and having the information needed to proceed on file, this entire situation feels fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/year> a credit card was opened in my name FEB DESTINY. I received an email thanking me. I called the number to report I did not apply for this card was asked to pay for insurance for the card before they can look into the issue. I called the card company the gentle asked for my information to look up my card. then he proceeded to tell me the rules of dispute, that I need to go through him. 
So I mailed out a letter to the XXXX credit bureaus with the copy of the email that was sent trying to get this removed. I was then alerted that {$250.00} was charged on the card on my XXXX XXXX app. I put a freeze and have been trying to get it removed. I noted a number for the card company on the XXXX XXXX app I called it and was told I do not have a card with FEB DESTINY and was provided the numbers to the XXXX Credit Bureaus to dispute. I reached out to XXXX and they informed me to also contact Federal Trade Commission regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I acknowledge receipt of your response to my debt verification request dated XX/XX/XXXX. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 

Your response dated XX/XX/XXXX did not include any of the aforementioned details. 

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Hunter Warfield. 

Federal law, specifically XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. THE COLLECTION- ( XXXX XXXX XXXX XXXX ) XXXX DELETE FROM TRANSUNION, XXXX AND 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC1681 Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX I looked on my Equifax Credit Report on XXXX XXXX and i noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure maximum possible accuracy of the information concerning the individual about whom the reporting relates to 15 USC 1681 ( e ) ( b ) And According to 15 USC1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In General If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have contacted Synchrony Banks customer service team twice regarding an issue with my Chevron card, but I was disconnected on both calls and have yet to receive any feedback or resolution. 

According to my XXXX, XXXX, and XXXX statements, I have been charged a 33.99 % interest rate on partial balances for regular charges that should have been billed at 29.99 %. This appears to be an error, and I am requesting that Synchrony correct the interest rate and refund the overcharges.

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