vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: NC

Complaint narrative:
It appears that Experian and XXXX XXXX XXXX have no shame and are clearly illiterate. Experian 's initial response XXXX Report number XXXX XXXX to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from Experian. 

Even if XXXX XXXX certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section. 

This sad pathetic circle XXXX  engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me. 

Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Lending Club Corp
State: OH

Complaint narrative:
On XX/XX/XXXX, I refinanced my XXXX XXXX XXXX with XXXX XXXX. XXXX XXXX paid off my existing car loan to Lending Club. As of today, XX/XX/XXXX, XXXX XXXX has yet to receive the title. Because of this XXXX XXXX can't list itself as the Lien Holder on the title. 

According to XXXX XXXX, they contacted Lending Club 3 weeks ago and were told that it would be sent. I called two weeks ago and was told to give it more time. On XX/XX/XXXX, I was told to allow for 7 to 10 days. This loan was paid off in XX/XX/XXXX, and the title still has not been sent four months later. 

Now I am attempting to sell the car and can't because XXXX XXXX can't release a loan on a title that they are not listed as a Lien Holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I processed a wire transfer for {$10000.00} from Wells Fargo to XXXX XXXX, XXXX, via Wells Fargo online portal, on XX/XX/2021. I was charged {$30.00} for one day transfer, I believe. The transaction posted on my account the very next day. However, the receiving party never received it. I was told to wait for 5 business days for it to go through. I waited till XX/XX/XXXX. It was still not received. I went into the local branch to start a wire claim. I spoke to XXXX XXXX ( a personal banker ). He initiated the claim and provided a claim number. I was told to wait 10 business days. He said we would be contacted either by phone or by e-mail. To this day, no communication has taken place from Wells Fargo, except for when we called in. 

I waited till the 11th day and called to check on the wire investigation. I kept getting a run around between online fraud and online non-fraud departments. Nobody was able to tell me anything about the investigation or where my money was. Finally, I went into the local branch again to speak to XXXX XXXX. He also had to call customer service and they kept transferring him between agents, without a straight answer. By this time, I have waited more than half a month for my money to be returned or found, as it was never received by the recipient. He said he escalated the matter to the resolution team. I was told to wait 3 additional business days. It has been 3 business days and I have yet to hear back from anyone. It would be exactly one month tomorrow since I had first initiated a wire transfer. I have not heard from anyone or received a refund. 

I am seriously concerned as to where and how they lost my money. XXXX is a big amount to me. I need it found and returned.

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 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NY

Complaint narrative:
Trek collection has placed a collection on my credit reports. I have never been contacted or receive any notification from this company, XXXX is there contact #. This and other numbers are not in service. I have not record of any kind from this company. This was placed on Credit report during Covid-19 pandemic. After many attempts to contact company and dispute with credit companies it still remains. 
The phone number is disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX paid off car loan in full {$11000.00} XX/XX/XXXX received letter stating " santander consumer usa, inc recognizes the above referenced account as paid in full on XX/XX/XXXX. '' XX/XX/XXXX received letter from santander statting " we have contacted the florida dept of highway safety and motor vehicle to remove our lien interest on the electronic title for the XXXX XXXX XXXX '' XX/XX/XXXX received check from Chrysler capital for {$620.00} as I overpaid the payoff amount. 
XX/XX/XXXX - but I received XX/XX/XXXX a letter from Santander collections ( debt collector ) as an attempt to " collect debt. '' Very perplexed, I called Santander as I knew this must be a clerical mistake because my loan had been paid off since XX/XX/XXXX. I was informed during this phone call that I owed {$1300.00} even though my loan was paid off in full, I received letter of pay off, & title was transfered to me. According to Santander, 2 payments were made to my account in the past year improperly. I have no record of this only their word that this occurred. One in XX/XX/XXXX & the other XXXX XXXX. None of this makes sense as my loan was paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Upon review of my Equifax credit report, I noticed a collection account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXX XXXX  XXXX. As I did not recognize the account nor original creditor, I filed dispute with Equifax. 

Equifax 's dispute resolution was to add comment " Consumer Disputes This Account Information ''. 

I then wrote the XXXX XXXX XXXX directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I tried to apply for bi-weekly payments. I completed the form and returned it to the servicer XXXX Dovenmuhele ) and they did not process it. When I called them they said it was put in a " suspense '' folder but that there wasn't a reason for it to be in a suspense folder. Then she said I needed to submit the form a second time. This is very common with this servicer. They do not do what they are supposed to do the first time. They take no ownership of problems and then they want the customer to do something again because they can't do their job correctly the first XXXX second or third time ). Then they suggested that I email it to them using a method which is not secure which does not protect my non-public information. Because of their error, enrollment in this program will be delayed another month. I asked for some sort of expedited processing, however they refuse and say I just need to re-submit the form and it will sit at the bottom of the line until they decided to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have had the same American Express Hilton Honors Card for 13 years and it has been the primary card I use for 80 percent of my purchase transactions. I have been paying off the balance on this card every month with the same Online Bill Pay transaction process from the same XXXXXXXX XXXX Checking account. 

On XX/XX/XXXX. 2020 I made a payment in the amount of {$1300.00} to American Express from my XXXX Checking account via Online Bill Pay which was successfully withdrawn from my account. The funds were never applied to my AMX credit card.

I filed a missing payment dispute with AMX immediately and was requested by AMX to send them the payment details of the transfer which was provided to them by XXXXXXXX XXXX. 
The details included in the funds transmittal from XXXX were : Electronic Trace Number File Trace Number Pay To Account Number Payment Amount Payee Routing Number Payee Bank Account Number After receiving the payment details from XXXX, AMX responded and indicated that their back office could not find the payment and closed the dispute. 

I opened a second dispute, where XXXX Bank for the second time provided proof of payment to AMX in which they responded that if the payment was successfully sent they would have applied to my account.

It is now six months later I have filed 5 additional disputes with AMX. AMX has replied with similar but different vague answers and closed the disputes. XXXXXXXX XXXX has also continued to provided payment details to AMX and contact their back office. AMX back office has however refused to speak with XXXX to resolve the issue or review the transaction details. 

I have called AMX customer service 13 times over the last six months and have asked for a direct contact to resolve the issue. I have talked to 3 different floor supervisors with no help or resolution. The last contact I had with AMX was with a supervisor XXXX in which he escalated this to upper management. He contacted me on XX/XX/XXXX and indicated upper management was taking over the dispute and I have not been contacted from AMX since.

This morning AMX again closed the payment dispute and are demanding payment. 

I myself and my bank have provided evidence and proof the payment was successfully sent and received by American Express. American Express has or can not provide any evidence they did not receive the funds. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX, I presented a check in the amount of XXXX at XXXX XXXX XXXX. It was declined and the merchant gave me receipt with the information to call Certegy. I did and requested my file. It was sent. First, there is missing information and unverified information ( DOB ) and the reason for decline is too vague. I, as the consumer, can not request validation as I am not being provided with the specifics for the declined check. It gives code 04 : which states " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. '' The file goes on to provide OUTSTANDING items : which is blank. I haven't written any checks that would be outstanding and/or not paid-defaulted. It states the information retained can remain on my file for four years from the check date or until by the reporting source to remove. I am unaware of any company reporting anything and Certegy isn't providing the information for dispute, validation, or fraud investigation. I reached out to customer service on XX/XX/XXXX and spoke with agent, XXXX, while being rude, stated their is no validation or fraud process. Additionally, I am in the process of chapter XXXX bankruptcy so being denied any owed debt is not allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
It appears that XXXX  and Hyundai Motor Finance have no shame and are clearly illiterate. XXXX  XXXX initial response ( Report number XXXX ) to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from XXXX. 

Even if Hyundai Finance certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section. 

This sad pathetic XXXX  XXXX  engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me. 

Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX  is reporting an opened date of XX/XX/XXXX with no balance, and Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with no balance, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$530.00}, XXXX XXXX Account XXXX XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1500.00}, XXXX  and Equifax are not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, XXXX Account Number XXXX XXXX  is not reporting this account, XXXX  is not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$810.00}, XXXX XXXX XXXX Reference Number : XXXX XXXX  and XXXX  are reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, Equifax is reporting a filed date of XX/XX/XXXX with no closing date. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
in XX/XX/2020, i had storm damage at my home where approx {$50000.00} in damage was done to roof, chimney and some interior damage. home owners insurance issued 3 checks made out to me, the public adjuster and carrington mortgage. we were told by carrington mortgage to send the claim checks to them unendorsed, which we did overnight. several weeks later after not having any correspondence from carrington, i called and finally spoke to someone who told me the checks were sent back to me for endorsements. i scrambled and got to the public adjuster who endorsed the 3 checks with me and we again sent them to carrington mortgage services overnight express mail. several more days went by and i started caling them every other day and got different stories from some people at carrington, some were helpful, some were not. as of today, i still have XXXX  funds from them. they claim they approved one check for {$4800.00} which is half the chimney invoice. the roof and chimney are completely repaired and now the contractors are pressuing me to get paid. i spoke with my " file owner '' a couple times and each time i do, he states some document is missing, etc. they have had this claim in their hands since XXXX. im not sure why they are just finding out items are missing. more work needs to be done inside the home but i have no personal funds left as i gave the contractors some funds to keep them happy,. please help me. i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Credit Collections U.S.A., L.L.C.
State: KY

Complaint narrative:
Upon review of my XXXX  credit report, I noticed a collection account from Credit Collections Co., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXXXXXX XXXX XXXX. As I did not recognize the account nor original creditor, I filed dispute with XXXX. 

XXXX XXXX dispute resolution was to add comment " Consumer Disputes This Account Information ''.

I then wrote the Credit Collections Company directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains 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 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid a balance off car loan with capital Auto finance from capital one XXXX  acct -- XXXX of XXXX in the amount of {$5700.00} which was the paid in full balance. 2 days later I paid another {$190.00} from a capital one checking account on XX/XX/2021 because Capital One was showing I still owed a balance of {$190.00}. I called Capital One Auto finance requesting a paid in full letter and title. The customer service rep told me i had a balance of XXXX cents and they would give me a credit which would allow them to send me a paid in full letter. I have been calling Capital one for 60 days and to date I still haven't received the title and paid in full balance.. 

They have told me numerous times they would remove the XXXX cents error which will allow me to get my title and paid in full letter. I called today ( XX/XX/XXXX ) an spoke with XXXX XXXX XXXX employee ID XXXX XXXX XXXX Ok ) he is supposed to have his supervisor XXXX XXXX XXXX Tx XXXX to resolve this matter today.. I have heard this numerous times and would like for the CFPB to look into this matter.. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed this collection on my credit report. I called the company that placed the collection. they contacted the the company that place the debt with them. They reported to them that the bill was paid and that I do not owe them any money. I called IC System that the collection is still showing on my credit reports. I received a letter dated XX/XX/XXXX from I C Systems that the debt was paid and that they will no longer pursue collections and the information they reported to the credit agencies ( XXXX, XXXX, XXXX ) will be deleted. I have a copy of the letter. This collection was not removed and I disputed this collection with the credit agency. The credit agency updated the information from IC Systems as accurate. I contacted IC Systems about the collections still showing and verified as accurate. They stated there is nothing they will do or can do to correct this. Please help me resolve this issue. 

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