vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: U.S. BANCORP
State: NJ

Complaint narrative:
I leased a new XXXX XXXX XXXX for 42 months on XX/XX/XXXX and it was financed at the dealership by US Bank. 

My lease was due to expire on XX/XX/XXXX so in XX/XX/XXXX I reached out to US Bank to purchase the vehicle. 

I executed documents to finance the purchase directly with US Bank. The loan was approved and my monthly payments began on XX/XX/XXXX. The payments have been deducted monthly since that date. 

Since the purchase of my lease in XX/XX/XXXX, US Bank has not delivered to me the vehicles title, an authorization letter for DMV, and a check to pay the sales tax that they collected. These are the items that I need to transfer ownership to myself and register the vehicle in my name. As a result, I have not been able to drive my vehicle since the registration expired at the end of XX/XX/XXXX. 

US Bank states that they mailed me the title, document, and check on XX/XX/XXXX, but I never received them. I inquired to US Bank about obtaining a duplicate title, letter, and check. A representative from US Bank told me that they would obtain a replacement title from NJ DMV and send everything to me again but it will take 60 days. 

After 60 days I reached out to US Bank again to check on the status of the title replacement. I called every few days since the end of XXXX to try and find an answer. I always spend a lot of time on hold, I am never able to speak with the same person, I am constantly transferred and disconnected. About a week ago a US Bank representative said they would send the documents to me by overnight mail. I never received anything. 

Finally, on XX/XX/XXXX I was told by another US Bank representative that replacing the title was now my responsibility. I needed to mail them a {$95.00} title replacement fee and wait for another 60 days while they secured a copy from NJ DMV. At this point, I really dont trust US Bank because they never keep their commitments. In the meantime, I am making loan and insurance payments on a vehicle that I can not register or drive. I mailed the check on XX/XX/XXXX and US Bank confirmed that received the check on XX/XX/XXXX. 

After the holidays, on XX/XX/XXXX I called NJ DMV and asked if they had received a request to process a duplicate title on behalf of US Bank. I was told immediately that they see nothing in their system for my VIN number and that they are backed up with precessing requests from XXXX. 

I need your assistance to have US Bank deliver a replacement title, authorization letter and necessary documents so I can register and drive the vehicle that I purchased.

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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have frozen my credit with all credit reporting companies. I have tried to login to both XXXX and TransUnion to check my account and to change my password. I am unable to login to my accounts. Both companies say that I have no accounts with them. This does not make sense, as I know I froze my accounts. I tried contacting the companies via their website but could not go forward since the companies do not think I exist. I tried calling their various numbers but since I do not exist I can not access my accounts. I am unable to get a live person in access to my account because talking to a person is not an option.

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 2021-01-06 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: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
This company sent me a debt collection letter ( see attached ) in XX/XX/XXXX ( letter dated XX/XX/XXXX ). I have never heard from this company or the company they claim to be working for ( XXXX XXXX ). I have been a XXXX XXXX customer since my days in the military ( XXXX ). I do not recognize this debt. I contacted my attorney about this, and she recommended to send the company a debt validation letter. We sent the debt validation letter ( see attached ) on XX/XX/XXXX. This was sent via certified mail and we have confirmed that the correspondence was received on XX/XX/XXXX. As of today, XX/XX/XXXX, we have not received any correspondence or debt validation documentation from Sequium.

Even though Sequium did not validate the debt, they still went ahead and reported this incorrect information to the three Credit reporting Bureaus. According to my credit report ( see attached XXXX  and XXXX ), the information was reported to the credit Bureaus on XX/XX/XXXX. The company claimed to provide me 30 days to request debt validation before they reported to the credit reporting agencies, they still went ahead and reported the incorrect information to the Bureaus. My credit scored dropped over 80 points and now I can not access needed credit or refinance my house. As of XX/XX/XXXX the company is still reporting incorrect information. This company 's actions are unfair and abusive, and they are not complying with the Fair Credit Reporting Act. 

I would like them to be held accountable. They must cease and desist these unfair and abusive practices. It appears that they are doing this to many other consumers out there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX called to cancel service was told they can cancel effective XX/XX/XXXX Received several collections calls XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XX/XX/XXXX place complaint with FCC XX/XX/XXXX Spoke to XXXX regarding my complaint was told that I have no choice but to paid the full amount because the company is a business and even if I could not afford to pay for services I did not agree to or receive. I hung up on rep because he was not looking to work with me but to collect money. 
XX/XX/XXXX received a call from a collection agency CBHV I am being forced to pay for services I did not receive or agree to. 
It is unfair XXXX are using unfair business practices during an epidemic and when are so many people can not afford their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Mgmt services called attempting to collect on the debt of XX/XX/2020 that was paid and closed see the previous progressive mgmt systems case you have on file they are attempting to collect the debt again after their org showed me paid in full that was the resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: MN

Complaint narrative:
On XX/XX/XXXX, I disputed a two Leaders with Experian that had old accounts that were being marked on my credit as negative remarks after I filed bankruptcy. After the the disputed come back one of the leaders disagreed with the disputed and my credit score went down 26 points. Nothing has change about my credit, all my current bills have been paid on time since the bankruptcy. It was until after the dispute was investigated that my credit went down, and now showed a ( N ) starting on the date of XX/XX/20 on my credit report. I reached out to Experian who told me I had to contact the lender because they are responsible for reporting it, but when I reached out to the lender they said they didn't report any negative remarks due to my bankruptcy to Experian and they're not responsible. So I called back to Experian 's customer service number, who wouldn't allow a live representative and didn't have an option to speak with one. After googling " How to speak to a live representative for Experian '' that's when I found a local number. So I believe Experian is reporting inaccurate remarks on my credit report.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my 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 explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 I received a promotional email from Bank of America ( BofA XXXX ) that offered {$300.00} for completing these three steps : 1. Enroll in the offer ( I clicked on the hyperlink to enroll ) 2. Open an eligible checking account ( I was approved for the checking account on XX/XX/2020 ) 3. Direct deposit {$4000.00} within 90 days ( which I completed within 30 days ) The {$300.00} promo should have been deposited within 60 days of satisfying all requirements above. However, six months went by without any update from BofA. I called their customer service department on XX/XX/2020, was given a case number XXXX, and was informed to follow up after 45 days if I don't hear back. 

I waited more than 60 days and still heard nothing from BofA. I called their case review team on XX/XX/2020 at XXXX and spoke with Supervisor XXXX. He agreed that I met all requirements for the bonus and assured me that it should post within the next 14 days. 

Almost another month went by without any update from BofA. I spoke with XXXX on XX/XX/2020, who said that she will ask the Supervisor XXXX from the last call to follow up with me & gave me 3 business days timeframe. 

After not hearing back from XXXX, I called for the FOURTH time to BofA and spoke with XXXX on XX/XX/2020. He stated that he submitted a new escalation # XXXX, and informed me that a member from the Escalations Unit will follow up with me within 3-5 business days. 

Almost another month has went by without any update from BofA. I am very frustrated at how the bank baited me into opening an account, set up direct deposits totaling over {$10000.00} throughout 2020, and then put me through a ridiculous and unprofessional runaround just to deny the bonus that they offered me in the beginning. I have collectively spent 10+ hours just on the four phone calls, and each time I reach someone with neither the authority nor the initiative to enact any changes, but simply stick to re-reading some " update '' that my bonus was denied but can not provide details as to why. 

I have completely lost patience and trust in BofA as an organization. I will be closing my three credit cards with them shortly and recommend all of my friends and family to think twice before conducting business with this bank.

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 monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX  california car dealership to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX  and XXXX. Below  are the companies that accessed my credit report that need to be removed. 

XXXX  : XXXX- XXXX : Capital One XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
We refinanced our mortgage and it was transferred to BSI Financial. BSI has for 3 months failed to add in our payee escrow information for both our property tax and property insurance. We have been current with our payments and the company required an escrow account ( which has the necessary funds in it ). We have received no communication of escrow payee concerns nor do we have the ability to add the payees ourselves. I was just assessed interest on my property tax quarterly payment and it is unclear if my next quarterly payment will be paid via the escrow account or by myself. In order to avoid further penalties from my town, I had to pay the overdue notice from my checking account even though the necessary funds are in my escrow account. I emailed the company earlier today asking for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of XXXX I purchased a XXXX motorcycle  from a dealership. The default company to make payments to the dealer was Synchrony Financial. 

I made my first few payments with them for several months, before switching to XXXX XXXX for a better interest rate. XXXX XXXX sent me a check to forward to them. I forwarded this check in XXXX ( Which was cashed ). Several days later I receive a letter and the title to my motorcycle from Synchrony. The letter stated my lien was lifted and I owned the motorcycle. 

Now in XXXX, I am still getting called and sent bills from Synchrony after telling them to leave me alone. Ive spoken with XXXX XXXX to make sure I had a copy of this check which was cashed. 

I am not paying or responding anymore to this bank and would like to file a harassment claim if thats even possible. Theyve been nothing but unhelpful and lack simple communication skills.

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 monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest auto loan on my account XXXX needs to be removed.

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 2021-01-06 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter pertaining to incorrect information that I've discovered on my credit report. I've waited patiently for some type of satisfying resolution which I demand those items to be removed from my report. I've exercised the correct steps prior to this complaint and haven't received any indication that these matters will be resolved and my patience has become exhausted which leave me no other choice to file for litigation. Section 611 ( a ) it it states that a failure to investigate incorrect item within 30 days give reason to immediately remove those items and it has been well over the required time. My personal information was impacted by the Equifax data breach which I've investigated and discovered as well and I'm it has been abused from some unknown stranger. Again, I demand these items to be removed from my credit report or I'll just take further actions. Thanks in advance for looking into these matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: MN

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: MN

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter pertaining to incorrect information that I've discovered on my credit report. I've waited patiently for some type of satisfying resolution which I demand those items to be removed from my report. I've exercised the correct steps prior to this complaint and haven't received any indication that these matters will be resolved and my patience has become exhausted which leave me no other choice to file for litigation. Section 611 ( a ) it it states that a failure to investigate incorrect item within 30 days give reason to immediately remove those items and it has been well over the required time. My personal information was impacted by the XXXX  data breach which I've investigated and discovered as well and I'm it has been abused from some unknown stranger. Again, I demand these items to be removed from my credit report or I'll just take further actions. Thanks in advance for looking into these 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