vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The first time I went to Bank of America to question the persistent {$4.00} a month charge I was told that it is because my auto payment comes from a Credit Union. I was instructed by the B of A employee that I should open a savings or checking account at B of A so the payment could be directly taken from that account. I declined to open a savings or checking account at B of A.

I checked with my credit union about the additional fee based in the payment coming from my account from them and was advised by the credit union employee that the information B of A employee gave me is incorrect and there should be NO ADDITIONAL FEE. 

I went back to B of A employee and reviewed the above. He apologized, said he could not credit the fees already collected but would stop the fee from being added from that point on. 

He seemed to have done that because, for a short time, the fee was removed however, after a brief amount of time the fee was reinstated, but moved under a category titled, " late fee. '' I went back to B of A and spoke w/ an employee about the return of the fee and that I HAVE NEVER HAD A LATE PAYMENT, EVER. The employee stated that he had no power to remove the charge and that fees are " common '' due to paperwork and other activities associated with the processing of the mortgage. 

1. Over the 15 year course of this loan B of A stands to gain over {$1200.00} in mystery fees.

2. It seems like an illegal practice for B of A to be mandating fees based on money moving from another lending institution while strongly encouraging a person to open an unnecessary account in their back, to avoid the fee.

3. How is it that 2 different employees could not come up with a consistent answer and permanently remove this fee?

4. Should anyone look at the B of A loan history against my credit union history, it is clear that the funds for the bi-weekly payments have consistently and without interruption, been in my checking account well ahead of the payment due date, but B of A has chosen not to take the payment out on the Friday due date and instead take it out on the following Monday. If there is a late situation created, it has been created by B of A. 
I also went to the XXXX XXXX XXXX of B of A last year to ask about the reason for the delay in the payment being removed on Monday instead of the Friday due date, and was advised by the B of A employee that " this is standard practice and does count against the loan holder as a late payment. '' That same employee could not offer any clarity on the continued $ XXXX fee either. 

Please see the attached XXXX files, with the B of A statements dating from the inception of this loan, 2017 to current payment. I will be looking forward to the results of your review.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-09-30 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: VA

Complaint narrative:
Around XX/XX/XXXX, I refinanced my auto loan from TD Auto Finance to my preferred credit union On the Grid. When I later visited my local XXXX, I discovered my vehicle has two auto liens. I was provided with a letter XX/XX/XXXX that my loan with TD Auto Finance was paid in full. For the past 4 years I've been getting the run around on how to get this lien off. TD Auto Finance said the letter would be sufficient for the XXXX. The XXXX tells me they needed a signed/notarized letter from TD Auto Finance to remove the lien. TD refuses to send this. Now the XXXX is telling me that the signed/notarized letter is insufficient, TD needs to release it electronically. TD then refuses to electronically release their lien without a lien release letter from On the Grid, which of course On the Grid will not provide because I have not yet paid off lien. After working on this off and on for 4 years, I have no choice but to submit this complaint. I tried to work this out with TD one last time today. I was supposed to be transferred to a supervisor and was on hold for over an hour and 45 minutes before I finally hung up as I simply couldn't spend all day on hold. No offer was made for a call back. Screen shot of my cell phone of this call attached. I am consider sale of my car but I can not do so without clearing up the title down to one lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received an email on XX/XX/year> from Indigo about someone attempting to use my information to open a credit card, which was denied. This is now showing up on my credit report as an inquiry, which is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEAS HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS XXXX HOW AND WHY THESE ARE REFLECTING IN MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am extremely disappointed and frustrated to find negative items in my credit profile. It is simply unacceptable and outrageous that such baseless claims have been reported against me. I demand that you immediately remove any derogatory information about me from your records! These allegations against me are completely false, and I have yet to receive any substantial evidence to support them. Your report contains numerous deviations from mandatory reporting standards, which means that the information in it can not be accurate and complete. I am challenging you to provide me with documented proof that the information you have reported is accurate and in compliance with all the relevant regulations. According to 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ), it is your responsibility to furnish accurate and truthful information about me. You have also failed to conduct a reasonable investigation of my disputes. Any mistakes in reporting can seriously impact my reputation and financial standing, and I demand that you take this matter seriously. Your carelessness and unethical practices are unacceptable, and I expect you to investigate the validity of the inaccurate items in your report and replace them with accurate ones or remove them altogether. You must protect my rights and ensure that your reporting meets the highest standards of accuracy and integrity. I will not hesitate to take further action if you fail to address this matter properly. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now!

Listed below are the Personal Information that are being challenged : Incorrect DOB : - 1982 Incorrect Name : - 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 explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive noticed some incorrect information on my credit report, which falls under the regulations of 15 USC 16c-2. The details in question seem inaccurate and are negatively impacting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reporting UCC Financing Statement on Debtors Credit Report File No. XXXX Dear XXXX, Equifax, and XXXX, I am writing to report a loan transaction involving XXXX XXXX, which was formalized on XX/XX/XXXX, and filed with the California XXXX of XXXX under XXXX Financing Statement File No. XXXX. I request that this information be included in the credit report of the debtor, XXXX XXXX, for accurate reflection of his obligations. 

Loan Amount and Terms : On XX/XX/XXXX, I provided a loan of {$10000.00} to XXXX XXXX. The borrower is to make XXXX monthly payments of {$3300.00} each, with the first payment due on XX/XX/XXXX, the second on XX/XX/XXXX, and the third and final payment on XX/XX/XXXX. 

Collateral : This loan is secured by the following collateral, as specified in the XXXX XXXX ( Account XXXX : XXXX ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Collateral Release : Upon full and timely payment of the loan by XXXX XXXX, the collateral will be released to him as agreed. 

I kindly request that this XXXX filing and loan information be updated in XXXX XXXX 's credit file to ensure the accuracy of his credit obligations. 

Please let me know if any additional documentation or information is required to process this request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Reporting UCC Financing Statement on Debtors Credit Report File No. XXXX Dear XXXX, XXXX, and Experian, I am writing to report a loan transaction involving XXXX XXXX, which was formalized on XX/XX/XXXX, and filed with the XXXX XXXXXXXX of XXXX under XXXX Financing Statement File No. XXXX. I request that this information be included in the credit report of the debtor, XXXX XXXX, for accurate reflection of his obligations. 

Loan Amount and Terms : On XX/XX/XXXX, I provided a loan of {$10000.00} to XXXX XXXX. The borrower is to make XXXX monthly payments of {$3300.00} each, with the first payment due on XX/XX/XXXX, the second on XX/XX/XXXX, and the third and final payment on XX/XX/XXXX. 

Collateral : This loan is secured by the following collateral, as specified in the XXXX XXXX ( Account XXXX : XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Collateral Release : Upon full and timely payment of the loan by XXXX XXXX, the collateral will be released to him as agreed. 

I kindly request that this XXXX filing and loan information be updated in XXXX XXXX 's credit file to ensure the accuracy of his credit obligations. 

Please let me know if any additional documentation or information is required to process this request. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-30 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: MOHELA
State: WA

Complaint narrative:
On XX/XX/year>, I requested that MOHELA either reissue the missing check from XX/XX/year> for {$650.00} or credit my account with the payment and they have done neither. I have also contacted FSA regarding this matter on several occasions and nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I am filing this complaint regarding my Motor Vehicle Lease Agreement with Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX ) XXXX entered on XX/XX/year>, concerning account # XXXX. Upon reviewing the agreement, I discovered a missing required disclosure under Section XXXX : Requirements as to Contracts and Separate Disclosure, XXXX The contract fails to include the statement : Keep it to protect your legal rights. 

This omission violates several consumer protection laws, including the Pennsylvania XXXX XXXX Sales Finance Act ( XXXX P.S. XXXX ( XXXX ) ), the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( XXXX P.S. XXXX ( XXXX ) ( xxi ) ), and sections of the Uniform Commercial Code ( UCC ). The failure to provide full and accurate disclosures constitutes unfair and deceptive practices. 

Additionally, XXXX XXXX has an active securitization program for retail auto leases, which should comply with federal and state consumer protection laws, as noted in their XXXX ( Prospectus ). I believe XXXX XXXX has failed to meet these compliance requirements in my case. 

To address these issues, I have formally requested documentation related to the securitization of my lease, including details on the trust pool, collateral pledges, and endorsements for insurance coverage. I also wish to modify the lease by revoking the security interest ( Clause XXXX ), XXXX of Attorney ( Clause XXXX ), and vehicle location consent. I am attaching a notarized Revocation of Power of Attorney for XXXX XXXX. 

Should XXXX XXXX fail to comply with these requests, I will escalate the matter to the Pennsylvania Attorney General, Office of the Comptroller of the Currency ( XXXX ), and the Federal Trade Commission ( FTC ). I am also seeking my vehicle title to be sent to my address at XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX. 


Below are the securities underwriters associated with MBFS XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX Floor, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX Floor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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