vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My problem is with XXXX XXXX, I finance a car with Ally in XXXX ( XXXX ) I was in a car crash in XX/XX/XXXX, my car was total lost. I did purchase a umbrella insurance with my financial manager from XXXX XXXX, XXXX Pay his part, the umbrella insurance pay his part and XXXX XXXX have to return back to Ally finance {$860.00} to finish to pay the car. I be trying to get this pay sence XX/XX/XXXX. They keep telling me the check was send when I call Ally they telling me is not true, in XX/XX/XXXX Ally made a 3 way call with them and we are told check will be made the week, so ally told me if they dont receive anything in 10 days they will let me know. So I have to go back a couple times to the dealer, every time they send me to different people and they promise me to have the problem fix and after that this person never call me back or return my calls. 3 weeks ago mr.XXXX XXXX told me they send the check, and like always is not true. I request a copy of the check send and like before they are not taking my calls anymore. They told me I was responsible any way for my car payment, I understand that, I was never late in one car payment, but I was inform by the insurance not to pay because the dealer can not cut the check in my name they only can send the check to Ally finance. And Ally was suppose to send the rest to me, sence at the time was only {$410.00} left to pay to Ally. Because of this problem My credit report was destroyed and my father as my co sign. The only think I request is for XXXX XXXX to be more responsible and pay what the own. I do have all the paper work as proof if I need to send anywhere. And all the names of people giving me the running around at the dealer. Sence I have to work full time, I cant go to the dealer everyday. And when I do have time I get very mistreated, Mr .XXXX even told me he dont like people like me, I told him was very rude of him talk to me that way because he doesnt know me. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
0n XX/XX/2019, I WAS ON THE PHONE WITH EQUIFAX EMPLOYEE " XXXX '' ATTEMPTING TO REMOVE PERMANENTLY A SECURITY FREEZE I HAD PUT ON SOME TIME AGO.I PROVIDED THE PIN, ANSWERED THE SECURITY QUESTIONS CORRECTLY, YET AT THE END OF THE CALL THE XXXX PERSON WHO COULD NOT SPEAK XXXX PROPERLY OR CLEARLY REFUSED TO REMOVE THE SECURITY FREEZE THEREBY HAMPERING MY ABILITY TO OBTAIN CREDIT.XXXX SAID TO SEND IN MY SOCIAL SECURITY CARD AND OTHER ID. 
I EXPLAINED THAT ALL OF THESE ITEMS WERE ALL ON FILE WITH EQUIFAX FRAUD DEPT.AND ALL ARE LOCATEABLE IN THEIR COMPUTER SYSTEMS. 
SHE REFUSED AND AS OF NOW HAS PREVENTED THE SUCCESSFUL INQUIRY OF XXXX XXXX WHO WOULD LIKE TO GIVE ME CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX XXXX. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX  XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER XXXX FCRA GUIDELINES.

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 2019-07-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.

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 2019-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have received an invitation in the mail from Marcus by Goldman Sachs to apply for a personal loan in last quarter of XXXX. They declined my application. Although I was surprised ( my credit score is pretty good ), but I assumed that they have their specific risk criteria and I let it slide without objection. However, I have received an email from them on XX/XX/XXXX that I am eligible to reapply and basically makes you believe that this time I eligible and just need to review my loan options and that reviewing my loan options won't hurt my credit. ( email attached ). However, when I checked my " loan options '', the declined my application again and said that my credit score can change. ( also attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ],  these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.

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 2019-07-15 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
The total balance of {$4900.00} of the remaining loan on the vehicle was paid off on XX/XX/XXXX to Kia Finance. I was told that I would receive the title to the vehicle within 2-3 weeks, and I have yet to  receive the title. I have called about three to four times between XX/XX/XXXX and the first week of XX/XX/XXXX. 
The first time I called in XX/XX/XXXX, I was told by a customer service representative that Kia Finance had sent the DMV notice that the loan had been paid off and that the title should be  transferred to my name. The second time I called, I was told the same thing and told to contact the DMV. In early XX/XX/XXXX, I contacted the DMV and was told that Kia Finance never sent notice that the loan had been paid off. I then called Kia Finance again and was told that the DMV was refusing to release the titles because Kia Finance owes the DMV fees or taxes. Kia Finance lied on multiple occasions by telling me that I would get the title to my vehicle within a few weeks and is refusing to do what needs to be done on their end so I can obtain the title to my vehicle which is completely paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
The following Corporations : XXXX XXXX, Barclays Bank Delaware, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/XXXX XXXX allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX XXXX allegedly owed {$0.00} ; XXXX XXXX XXXX allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; Barclays Bank Delaware amount allegedly owed {$870.00} ; XXXX XXXX Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and 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 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: MI

Complaint narrative:
I wish to sue Discover about its siding with XXXX over two charges on my bill. Discover sided with a company that falsely advertises its inspectors are certified by a couple of associations, that gave us incorrect information about an obvious issue with an air duct, that doesn't honor its own satisfaction guarantee, that said it would send out both inspectors it has on the 2nd house but only one of  them arrived on inspection day, and that is unprofessional/condescending to its customers. 

Unfortunately, Discover is hiding behind forced arbitration which favors big business. Discover needs to remove forced arbitration clauses from its terms of service.

At any rate, I do not agree to Discover 's forced arbitration policy for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: OR

Complaint narrative:
The debt first became delinquent in XX/XX/XXXX. They filed suit against me in a county I didn't live in, in XX/XX/XXXX, which was more than a year after the statute of limitations had passed. I never received notice of the suit so that I could respond or was aware in any way of the suit. They then, last month, got a hold of my address and mailed a writ of garnishment to my apartment complex without my apartment number on it so that I couldn't receive it or respond and followed through with garnishing my wages. I am a single mother and rent in my area is very high. I pay over $ 1500/month for a 2 bedroom apartment for my XXXX children and I and I also have bad XXXX and am in need of XXXX XXXX for a XXXX   on my XXXX that I recently found out about, but have not been able to schedule because I'm barely scraping by and can't afford the time off of work right now. I emailed the company with a dispute as soon as I was notified by my employer and advised them that I was disputing several things about the garnishment, of my medical and financial situation, and that I needed it stopped and for someone to contact me but nobody did. That was over the weekend, and my paycheck on Friday was garnished for {$300.00}. I called Thursday afternoon and got their voicemail so I left a very detailed message about everything begging them to do something and they called me back the next day while I was at work. I called back on my break and got voicemail again and told them when I would take lunch and asked if they could answer then or leave me a message with the time they would be available or for someone else to talk to and still got voicemail when I called on my lunch. I left another voicemail and indicated I would be on lunch for a specified period of time if they could please try to get back to me and they called back an hour and a half after I had said I would be available. This was very important so I answered and left my desk to go to the patio and tried to talk to the guy and told him I couldn't go into a bunch of details because I was at work now but based on my long very detailed voicemail which he acknowledged receiving, could he please tell me if there was anything they could do but he refused to discuss it with me because I wouldn't go over all of the details again at work although he admitted having heard them all on the voicemail. Not only have they been unhelpful, but they have, what feels like intentionally, sent things to me in a way that I couldn't respond, their attitude was negative and not respecting of my privacy when I couldn't go into details at work, although I had already given them to them, and tried quite a bit to reach them outside of work to discuss it, but most of all, they filed suit against me well after the statute of limitations in my state was up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
XXXX  has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay General Revenue Corporation, which XXXX reports negatively that I owe this company. There is no contract. 

This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
I submitted complaint ID # XXXX on XX/XX/2019 against XXXX, which is a division of Alabama Housing Finance Authority. 

Not only has neither company responded to my submission, I have since been locked out of accessing my account online. There has been no communication to notify me of any changes made that might require my attention. An attempt to login shows the notification " The user name and password combination you entered does not match our records. Please try again ''. 

I attempted to create a new online account using my account information, and I bet the message saying " the information does not match our records on file ''. 

Attempts to update my password result in the same type of message, saying the information doesn't match their records. 

Given that my original complaint was in regard to being charged a late fee due to an apparent change in their policy, I'm furious this payment will be late because they've locked me out of online access. I'll be calling them tomorrow, and if it isn't settled, there will be another complaint filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have notified TransUnion on numerous occasions about the inquiries that are being reported by them. I have contacted the companies like I was instructed to by a transunion customer service rep and they explained to me that they do not have anything on file under my social security number. 

I sent transunion a letter letting them know that and they still refuse to remove the inquires. I sent transunion a letter asking them to send my the documents that they have that show these inquires are valid, but each time I have contacted them they have failed to send me the information I have requested.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I really trying make monthly payments between me and them so I can get my credit back. And I already hired a lawyer but I dont really want waste my money on them I just want started from the bottom to pay my all my debt to XXXXl XXXX. I really need help with that. 
I believe in 2006 With the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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 following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX   {$4000.00} 4 ) Dept of ED/XXXX  {$3500.00}

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