vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had a vehicle loan with TD Auto back in XXXX. My vehicle was paid off around XXXX and I received the title for it. Unfortunately, it is now XXXX and I no longer have that title and am in the process of selling the vehicle. The XXXX has brought to my attention that there is a lien showing from TD Auto Finance which deters the DMV from providing me with a duplicate title. 
On XX/XX/XXXX, I made a call to customer service department and spoke with a gentleman ( He did not provide me with a name or employee id ) who assured me that a lien release or a letter of non-interest would be mailed out in 7-14 days. I called again approximately a week later to check the status and was told by another rep that the request was not put through and that she would put it through. I called back on Wednesday XX/XX/XXXX and spoke with XXXX XXXX ID XXXX who informed me that he saw no history of a request for the lien release but assured me that he would escalate the request to be processed within 3-5 days. I have called a total of three additional times and as of today the request supposedly shows that it has reached the title department and that the paperwork should be mailed by the end of this week. Naturally, I have no way of knowing whether this is true or if my lien release is ever going to be mailed at this point. It seems to me that each time I call I am getting nothing more than false information. I have spoken with two separate managers to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: AL

Complaint narrative:
Hey Ive been a customer XXXX XXXX  for over a year everything was great my account was set up on auto pay payments were made on time every month then XXXX day I got an email about verifying my ID I sent over the proper info but they denied my verification and close my account I still had to pay the remaining balance off money was still deducted out of my bank account up until this XXXX I notice they didnt take the money for the month Ive been trying to login into my account but I cant Ive reached out to customer service and never get a response Ive reach out the phone and email and cant get any help they reported a 30day late payment on my credit report I have no problem paying them but I cant pay them because they have disconnected my auto pay without letting me know and I cant reach out to anyone this is unfair

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 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
On Thursday ( XX/XX/22 ) I attempt to take out {$260.00} from an ATM located in the XXXX XXXX ( XXXX, IL XXXX ). I was charged the following fees and money deducted from balance but the ATM did not dispense money. 

Amount - {$260.00} Fee from Cash App - {$2.00} Fee from ATM Owner - {$15.00} Total - {$270.00} Note : I tried take a lesser amount ( {$210.00} and {$160.00} ) and the transactions was decline and that is when I realized I was charge but did not get money. 

This is my first time ever having an ATM not give me my money. When this happen I was mad and ended up going home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
XXXX XXXX program. This was offered to us, on the premise, that we could defer these payments to the end of the loan. With every time the forbearance was offered we took it, once again asking if these payments were to be deferred. They replied with a yes! 
Like all companies that deal with payments or collecting debts, they record the interactions with clients! 
Upon trying to start making payments again, the company wants a full payment of arrears! When I asked what happened to pushing these Forbearance deferred they replied no! Full payment! 
All we asked at this point was to modify our mortgage, again they replied with a no. We tried making Mortage payments but they told us the money would go to escrow, along with the usual monthly payment!

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 2022-11-28 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2022-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Hello, I requested a student loan refund for {$10000.00} on XX/XX/XXXX with Aidvantage. 

My student loans changed providers on XX/XX/XXXX ( XXXX to Aidvantage ). I called for updates on XX/XX/XXXX and XX/XX/XXXX to inquire about the status of refunds and received no helpful information or status. to my knowledge there has been no movement on this request. Tomorrow will be XXXX weeks since my initial refund request. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from XXXX XXXX XXXX that stated they do not release any information related to my bankruptcy. 
I then requested that XXXX, Equifax, and XXXX reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CUSTOMERS BANCORP, INC
State: OH

Complaint narrative:
I received a debit card in the mail several weeks ago from Customers Bank. I had never heard of that organization and certainly never opened an account with them. I called their fraud department and left a message but never received a call back. 

Several days ago, I received a statement in the mail for a checking account. It shows that an amount of {$2500.00} was deposited, and then immediately withdrawn. I called to report this and actually spoke with a person. She was unable to close it, or even add a simple note saying that this was likely a fraudulent account. She redirected me back to the fraud department 's answer machine. 

It shouldn't take several weeks to even get a response to a clearly fraudulent activity. I also don't understand how this Customers Bank didn't detect this on their own. A large deposit followed by a total withdraw should clearly raise some red flags.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon the investigation of these accounts the company XXXX, TRANSUNION, XXXX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-28 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: TX

Complaint narrative:
FCRA violations : inquires not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses 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 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 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 XXXX XXXX XXXX  FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Collection account. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} Status Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KS

Complaint narrative:
I made a purchase from XXXX online using my chime account on XX/XX/XXXX. Part of my order was picked up on XX/XX/XXXX and the rest was cancelled leaving a remaining balance owed to me of {$28.00}. XXXX settled the transaction on XX/XX/XXXX, but instead of Chime returning my funds to me, they input the {$28.00} as a separate transaction from XXXX in my account. Instead of a refund my account now shows XXXX XX/XX/XXXX, XXXX but I did not make any purchases at XXXX on XX/XX/XXXX. Chime now says they take XXXX business days to return the money, even though on their advertisements they claim to never hold money. I would like to report them making fake transactions on accounts in order to hold funds from consumers longer than necessary. I contacted XXXX to verify the funds were released and they contacted chime with me on the phone. The XXXX agent confirmed for the chime agent that they released my money on XX/XX/XXXX, but the chime agent kept saying there was another transaction on the XXXX. The chime agent did not do anything except tell me to wait XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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 confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX dismissed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian violated my consumer rights pursuant to federal law and georgia state law for Defamation Of Character. I have tried reaching out, calling, and still no response. They still have yet to Remove All unverified and unauthirized information.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-28 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} XXXX Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX 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 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 XXXX XXXX XXXX XXXX LA XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX  account. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} XXXX Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX Account charged off. {$1.00} FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-11-28 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: CT

Complaint narrative:
Ive contacted the bank several times and provided many police reports ftc and documents and where told that XXXX XXXX  would close and remove from my credit and mail me my payment credit check for {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

Complaint narrative:
The dispute involved XXXX ( charge under INT'L escrow ). Executed charge on same day with 2 different Chase cards ( XXXX and United Airlines ). Executed dispute notice on same day ( end of XXXX ). Sent both disputes the same info. After a few times going back and forth, finally on XX/XX/XXXX both credit cards reached a decision. XXXX said I did NOT have to pay, but United said I had to pay. After reopening United continued that I had to pay. Finally I sent copies of the 2 letters to United and their final response was that it is to late to do anything. I have come to the understanding that the same Chase dispute center handles ALL disputes. My question is : how can the same dispute, with the same info, etc. lead to opposite results?

Company response to consumer: Closed with explanation