vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. They have sent this delinquent account to RS Clark and Associates for collection and XXXX  is reporting RS Clark and Associates as a collection on my Credit Report. I have deputed twice with XXXX  and both times they have responded with results that the collection on my Credit Report is accurate. I have spoken with RS Clark and Associates and Mrs. XXXX has stated they are not reporting on my credit that this is a Credit Bureau issue that they are reporting incorrectly and that this could be a result of possibly because I have stayed in the same apartments before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am aware that credit agencies are required to allow credit freezes to protect our accounts by fraud. I created freezes at XXXX, XXXX  and finally Experian. The first two had no issues but Experian makes it difficult to create a freeze. When logging in their is no mention of " freeze '' on their menu. They have a paid product called " credit lock '' that they promote. There is a brief description how that differs from a " freeze ''. However, they have no hyperlinks available to select. After scrolling through there webpages I finally connected to help through their chatline. I was told to log into a different URL in order to manage a freeze. I was finally successful in doing so even though they use an arcane form to do so. 

My complaint is Experian should make a freeze option visible and readily available and once an account is established should not put somebody through the hoops of providing all the information they already have on file. It is obvious they wish to push an alternate paid product other than " freeze '' and that should not be accetable.

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 2021-02-19 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: FL

Complaint narrative:
on XX/XX/2021 I applied for a credit increase on my XXXX XXXX XXXX card. I was denied a credit limit increase based on the following reasons by XXXX XXXX that were documented in their letter to me ; 1. Collection by XXXX XXXX XXXX XXXX according to Federal Law a credit provider can not use Medical bills as a determination of credit worthiness. This Medical bill balance was paid in full for less than {$400.00} & was part of a personal injury law suit and bill was paid late by my legal representative. 
2. XXXX states my payment history is unsatisfactory ; All 3 credit agencies report no deliquent payments by me ever. 
3. XXXX states a FICO score they pulled on XX/XX/2021 of XXXX ... my actual FICO score when I requested a credit increase is XXXX, a 40 point increase in two weeks. 
4. XXXX states my revolving balances are too high. Fact ; I have paid off entirely in the last 60 days over {$42000.00} of credit card debt including 100 % of my XXXX card Balance. 
5. According to Experian my credit accounts are excellent history with my oldest credit account nearly 40 years old. 
XXXX did not use current credit reporting information to assess my credit limit increase though it was available. They also in writing voilated Federal Law by using a Medical bill for a reason to deny credit. Overall XXXX denied me credit based on outdated, incorrect and credit banned by Federal law to be used in a credit decision.

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 2021-02-19 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is a new complaint in response to an old complaint : XXXX being closed in error before it was resolved. JP Morgan Chase Auto Finance lost the title to my vehicle in XXXX of XXXX, and failed to provide the title to me so I could register my vehicle in Washington state, then continued to lie about steps they were taking to resolve the problem even after paying it off. It has been 4 months since the original request for a copy of the title was submitted, and almost 3 months since the vehicle was paid off. Although the XXXX office, specifically XXXX XXXX, responded to the complaint, both JP Morgan Chase Auto Finance and CFPB closed the complaints before their titles office began the process of requesting a duplicate title from the California DMV, which they said they would do. They needed to complete a title perfection by providing the CA DMV form 227, and failed to do so after confirming with me that they would do so within 45 days after XX/XX/XXXX. The vehicle was paid off on XX/XX/XXXX and the payment processed on XX/XX/XXXX. I received a notarized release of lien letter from them ( from two different title offices in Ohio and Texas ) that were dated XX/XX/XXXX and XX/XX/XXXX. Someone from their titles office contacted me to request a current copy of my drivers license on XX/XX/XXXX, nearly 4 weeks after the confirmation that they would complete the paperwork for CA DMV, which I promptly provided. As of today, XX/XX/XXXX, the CA DMV has had zero contact with Chase Auto according to phone calls with 2 different customer service representatives checking their records. It appears the Chase titles office has no intention of providing the necessary paperwork ( Form 227 notarized ) to CA DMV that allows them to create a new title in my name to send me. As soon as a response was provided to CFPB from the Chase executive office and you closed this case, they stopped responding to my requests entirely. The CA DMV may or may not honor me filling out this form on behalf of Chase without the proper notorized signatures on the correct form so I am at the mercy of Chase to provide the paperwork. Chase must be held responsible for taking my money and holding my property XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from Ally Financial, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of Ally Financial, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with Ally Financial or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.

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 2021-02-19 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: IN

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-19 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:
There are four accounts on my credit report that doesn't belong to me. There is n way for me to verify what those accounts are because there are no account numbers attached to the accounts. Not only that, the accounts are all seven years old. The last activity date on all of the accounts are XX/XX/XXXX. The accounts I am referring to are as follows : State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX All of these accounts are over 7years old. None of them have a proper account number attached to them in order for them to be verified. I have no idea who these accounts belong to. They are illegally being updated every 2 years in order to remain on the credit report. These accounts need to be properly verified before they are put 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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
Purchased a Honda Civic in XXXX. XXXX XXXX ( finance manager ) didn't print out or email my contract. I called/emailed/showed up in person 4 days later to have my contract printed ... guess what they included without telling me?! A vehicle protection plan ( I declined all additional services in person, SEVERAL times ) so SHADY. No wonder they didn't want me to have a copy of my contract! I contacted the dealership and XXXX emailed saying that she apologized for not sending me my contract to the correct email ( she misspelled it ), and that she would have my money refunded to my account and that she hoped that I would not leave negative reviews for her mistake blah blah blah .. it's almost XXXX and nothing has been refunded. I emailed XXXX last week and she said " it's a mystery to me why it has not been refunded '' like??? So unprofessional, so shady, would not recommend this dealership to anyone. 

Vehicle protection plan {$100.00} was charged on XX/XX/XXXX. 

I requested it to be canceled on XX/XX/XXXX and was told to send them my Honda account # to get a refund. 

I received my account # on XX/XX/XXXX and sent it to XXXX ( XXXX manager ) and she said that it could take 6-8 weeks. 

Hadn't seen any refund so I contacted her on XX/XX/XXXX - called/no answer/left voicemail and sent her an email to get an update. 

I received an email saying that " it was a mystery why I haven't received a refund ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
XX/XX/2020 I was laid off from work due to COVID. I wasn't able to make a payment for 1 month due to problems with unemployment and trying to get another job. Once arrangements were made on my end I was able to make payments and be on time again. I asked them via phone and talked to a rep to have a payment deferment and was granted it. I've never been late anytime prior to this or even after. It was a unforseen worldwide disaster and have had good payment history prior to and post to the event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK
State: PR

Complaint narrative:
personal loan interest too high In XX/XX/2019 they sent me a loan offer from the Discover bank company, which I called to ask for information and I saw that it was reliable, I have a year and seven months paying and the loan does not go down. I wrote asking for an evaluation of the loan since I have a good payment history since we are going through a difficult situation and they only replied that they could not lower my rate. 

I would like to review the contract since I do not have a copy of it, to see the clauses of it. because they have not wanted to help me with this situation. 

Discover Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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:
I went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and TransUnion on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on TransUnion. On my TransUnion report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called TransUnion and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my TransUnion report, I noticed that they had an alias that was associated with my name. I have never had an alias.

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 2021-02-19 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: TCF NATIONAL BANK
State: MN

Complaint narrative:
I went into TCF bank in  XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In XX/XX/2020 I paid all my Debts off and this company will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVG Financial Services, Inc
State: CA

Complaint narrative:
On XX/XX/2021 at approximately XXXX PST a contact that I had listed as someone who knows me received a call from Cash N More about the payday balance that I owe. They gave that contact the amount of debt {$300.00} that was owed and where they were calling from I believe that is in violation of my rights since any information regarding the debt that is owed should not be disclosed to anyone. This is the second time that they contact this individual and I would like to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: PA

Complaint narrative:
I was put on forbearance with veterans united. They immediately placed my account in collections. They then denied a streamline modification stating I was late on my payments prior. The gentlemen over the phone stated I needed to be 120 days behind on my payments past a forbearance period in order to qualify. The gentlemen stated I had to know fill out a new mortgage application with my income and debt and employer and all the information in order to qualify for a loan modification. According to the VA the streamline modification states very clearly that this is not the case. I called back again and the lady said again it was denied because I have been past due for more than thirty days. Her and I then went through my account in detail and we discovered that I was correct and was never late. 

Afterwards she said I had to be 121 days late to qualify for my streamline modification per the VA guidelines. I saw that this was not true, then she said I needed to apply for a refinance and said she would send me a refinance application. I stopped and asked her if I could apply for a streamline modification and she said fine I guess we could do that. After all this struggling she said it would take 30 days. Then I asked if its still the VAs policy to modify the interest rate to the current market. She said no we wont do that we will put you on a temporary modification, the VA doesn't change the rates. I then read her the VA guidelines on their website and she said that yes its true. 

I have called back a few times and have gotten aggressive manipulative situations and responses from them. I have asked for a straight answer and get the most confusing responses. The last time I called they even said I was not in forbearance. I need some help I am confident I am going to get XXXX  over and there is nowhere I can go and nothing I can do. 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 2021-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: WI

Complaint narrative:
XX/XX/2021 last 3 payment Avant refused to take payment by debt card {$170.00}. XX/XX/2021 TOOK PAYMENT FOR XXXX STILL REFUSED {$170.00} PAYMENT XXXX took payment XXXX refused great payment but said I could pay last payment at any amount to pay the loan off on time XXXX pay off amount was give {$230.00} Avant refuse to take payment on last payment force me to possible go past end of the loan without full payment own past term and report negative on unpaid amount they refuse to take

Company response to consumer: Closed with explanation