vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: MA

Complaint narrative:
OneMain Financial Group LLC Complaint XXXX Dear Sir or Madam : I paid off my balance with OneMain Financial Group LLC XXXX XXXX XXXX XXXX However, they never filed a release with the Registry of Motor Vehicles In MD.

I spent {$25.00} to get my title only to find out that they are holding a lien. 
XX/XX/XXXX I am on the phone with them, XXXX, and they said that they release the lien in XX/XX/XXXX. However, I am on the phone and they are not willing to send another release. They gave me another phone number XXXX, Customer Complaint line. She talked to the manager and I have to call that number. 
I get a message that they are not there -Executive Customer Care at One Main Office and I have to leave a message.

I left a message.

This is plain out a violation of the law wherein once a balance is paid they are to release the lien with the Registry of Motor Vehicle it is their job. I asked for another to be sent and I was told I had to go to the other office. 
This is a repeat of last year wherein I called XX/XX/XXXX to XX/XX/XXXX and asked for the lien to be removed from my XXXX XXXX. It took months. They should be held accountable and punished in addition to my loss of {$25.00}. But for their negligence and willingness to take care of this and not make me waste more time, I have to call another department. How many people do they do this too?? I also dont expect to call them for 3 months like I had to do last year. I want this resolved and mailed to the registry within 3 days. 




Again, I need a title without their XXXX and I need my Money back. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX MD XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The government approved loan forgiveness until XXXX. However, Navient does not apply to this forgiveness apparently. Around the same time my payments got recharged, my family member was having a life-threatening XXXX. They would not remove the late fees. I also explained my own personal health conditions and offered to send in documentation. They said they have rules that need to be upheld and the fees can't be removed. Customer service representative and a supposed supervisor said no exceptions can be made regarding late fees regardless of the severity of the circumstance, even if there is a death in the family. I've heard other people with out-of the ordinary situations where they miss a payment. Credit card companies and other loan companies will make exceptions for understandable " life happens '' situations every once in a while ; but not this company. They have no basic human decency and their customer service representatives are very demeaning and rude. Very unethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
There is an item on my credit report that I am unclear on. It is showing that the creditor is LoanMe and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to LoanMe. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated XXXX XXXX XXXX is claiming to now own the debt and LoanMe can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as Loan Me Inc. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
I have had identify theft, I contacted XXXX, XXXX and Transunion and completed initial fraud alerts and security freezes, There was a number of inquiries on my files that XXXX removed immediately, both XXXX and Transunion asked me to mail a copy of my FTC report and a cover letter with details of what was to be removed, I did this and XXXX followed XXXX by removing the enquiries, TransUnion however have rejected the removal of these items, and in fact Transunion advised me to commit fraud by filing another FTC case with the same details and sending it back to them, this is totally unacceptable and is crazy that Transunion have asked me to commit a fraud against a government agency by duplicating an existing fraud case.

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 2022-03-18 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Spoke with a representative with Navient and verified that the student loan for XXXX XXXX XXXX does not belong to me. I never attended XXXX XXXX XXXX and did not take out a loan for the school. The representative with Navient acknowledged and verified the loan does not belong to me and would send me information on how to file a police report, and a letter to submit to Navient to have them remove the information. That information was not sent to the email that I provided. I only received an email verifying that the call took place. I requested the original documents showing that I had taken the loan out to be mailed to me and the information on how to file a police report and the letter. I disputed Navient through XXXX and again they verified this loan as mine. I want to file a complaint for all the time Navient has shown on my credit incorrectly and the proof of inquiries that have turned me down for credit since they have been fraudulently reporting on my credit, incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments you are in violation of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2022-03-18 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: PA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2022-03-18 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitol one is practicing deception and leaving consumers hanging. I called Capitol one to order a new card as my current one doesn't work, the chip is not being read by the card reader. Called once and was told by agent your current card is active until the new card is activated by phone or use. Turns out I never got the card, it happens. I called a XXXX time was told literally the same thing. 
I was using my old card for purchases in the mean time. Time goes by XXXX card never comes. I call and order the XXXX and I never got it. So I decided to use my old card for groceries it didn't work turns out they deactivated it without my consent and I was told they only deactivate when new card is used or I call it in. 

I called spoke to supervisor and I asked him to deactivate my card he said he couldn't. Told him every agent told me old card doesn't get deactivated till I make a purchase with it. I told him I made no mistake and I'm suffering for it. He said for him to cancel account he needs to read disclosure. I said I don't agree to it because it'll affect my credit and you guys made the mistakes repeatedly. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MD

Complaint narrative:
XXXX and Experian reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. XXXX and Experian has not provided me original contracts with my signatures and they failed to reply to be with the XXXX days of my written request. my rights are being violated and I would like them to remove this inaccurate information from 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 non-monetary relief
Consumer complaint received 2022-03-18 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: CA

Complaint narrative:
To whom it may concern : I have noticed unauthorized inquiries on my credit report. I am in the process of cleaning up my credit due to get a new home for my family. These new inquiries is hurting my score and impacting my approval for my new home. It's ruining my reputation and I am just a hardworking individual trying to better my life and keep my credit in order.

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested for the XXXXXXXX XXXX account be validated through Experian Bureau. It is my legal right under FCRA 15u.s. Code 1681states responsibilities of furnishes of information to consumer reporting agency. They must have valid information from the original creditor, which they have not produced any evidence to me, this is the third request..

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a ChaseXXXX XXXX XXXX account in 2021. This account gives cardholders stars based on purchases. The stars can be redeemed for free coffee at XXXX. 

In XXXX, 2021, I did my XXXX shopping and should have received XXXX stars ( its printed on my credit card statement ). The XXXX stars have not been credited to my account. 

I have contacted XXXX and they tell me to talk to Chase. When I contact Chase they tell me to talk to XXXX. I have had several text conversations with both companies. 

The XXXX points are not a large amount of money, and expensive coffee is a luxury. Im just frustrated at being ignored. I didnt do anything wrong- they made a mistake and wont take responsibility for fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. Middle man Navy Federal Credit Union decided to enrich itself by stealing then lying to everyone. Navy Federal Credit Union kept the deposit meant to pay someone. The deposit was a test to see if this credit union would be honest or not. This bank decided to enrich itself through dishonesty. 
As a result that person was kept debt because of Navy Federal Credit Union 's greed. Navy Federal Credit Union expects you the CFPB to do nothing about it. Since Navy Federal Credit Union decided to steal then lie, I chose to I document everything to show the Attorney General & XXXX XXXX. XXXX asked questions. XXXX didn't care XXXX wants answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on Transunion XXXX XXXX ( XXXX deleted it ) XXXX XXXX  & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and XXXX ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from Transunion XXXX XXXX. XXXX deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on Transunion

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 2022-03-18 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It's been well over 30 days and i haven't receive any investigation results

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 2022-03-18 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 — Investigation took more than 30 days
Company: CORELOGIC INC
State: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It's been well over 30 days and i haven't receive any investigation results

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 2022-03-18 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: VA

Complaint narrative:
I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE EXPERIAN WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A XXXX REPORT ALONG WITH MY DRIVERS LISENSE AND THE XXXX COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES EXPERIAN IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.

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 2022-03-18 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 — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. On XX/XX/2022 I received an email from XXXX ( XXXX XXXX XXXX XXXX  ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called XXXX again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called Transunion. They also said I should go ahead and file a dispute with FCRA.

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