vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
My car was paid off in XX/XX/XXXX from TD Auto Finance. I have yet to receive a title. I called back on XX/XX/XXXX and told them we never received it so they stated they would file for a lost title and resend. XX/XX/XXXX I still do not have. I call TD back and they said it takes 7-10 business days and the title has not yet been released. ( That was day 11 ) The supervisor at TD, name XXXX, said she would have released today. I called the XXXX XX/XX/XXXX and they still do not show it released and said there is nothing they can do until TD releases it. So, I called TD back and spoke with another supervisor, named XXXX XXXX. She told me she sees where the supervisor yesterday put in the request, but I need to give it ANOTHER 3-5 business days??? The loan was paid off 3 months ago! 
We are purchasing a home and we have to have this off our credit by XX/XX/XXXX. I don't know what else to do since we keep getting the run around from TD Auto.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: AZ

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2022-10-07 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: LA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-10-07 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: CA

Complaint narrative:
On XX/XX/XXXX, I spoke with personnel from XXXX, XXXX, and Transunion about the potential for phony accounts to be created using my customer information. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I submitted my information via standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier, the accounts that were not mine were still shown in my documents since they had been " confirmed. '' I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. I got in touch with the three companies again on XX/XX/XXXX to ask how they could demonstrate that these accounts belonged to me. They said there wasn't much more they could do to assist me and advised me to talk with the debt collectors directly. When the customer contacted, every bank that immediately sprang to mind had been dialed wrong and had no clue who I was or what the accounts were about. To be sure I didn't make a mistake, I conducted my study online. My friends told me to go to the CFPB website. I really hope this works since my family and I need the home we're trying to purchase.

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 2022-10-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

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

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

Company 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
Dear Sir or Madam : On XX/XX/2022 I presented check # XXXX from my account at XXXX XXXX for {$45.00} to XXXX at XXXX XXXX XXXX, XXXX LA XXXX. The check was declined by TeleCheck with denial record # XXXX. I received a receipt that provided a phone number to call to have TeleCheck advise me of why the check was declined. 

I spoke with a customer service representative at TeleCheck. I provided her with the denial record number, my name, my address, my phone number, the banks routing number, my account number and my check number. I had difficulty understanding what she was saying and ascertained that the call center was not located in the United States. She advised me that the check was rejected because I didnt have any history in TeleCheck and she added my information and the next time I would write a check to a merchant who uses TeleCheck my check would be accepted.

I told her I didnt want to be in the TeleCheck data base as I dont know who they partner with and would need a Privacy Policy from TeleCheck as they now have personal non-public information ( bank name, routing number and account number ). I subsequently learned that TeleCheck is a Data Broker, as defined by the FTC, and sells sensitive customer information to third parties. She informed me that I volunteered that information and it was in the system. She refused to send me a Privacy Policy. I told her that I provided the information under duress as she said it was required to find out why the check was declined. This was a lie as the denial code would have been sufficient to provide that information. I believe that it was a premise to get information that I ordinarily do not provide without a Privacy Policy. 

I then asked to speak with a supervisor and was connected to XXXX. XXXX stated that she couldnt give me a Privacy Policy at which time I asked that she delete me from the data base. I asked her to provide me with a written letter explaining the check denial ( would take 30 days ) and also a copy of TeleCheck history ( would take 15 days ). 

XXXX provided me with an address to write to with my complaint. It is listed above.

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 2022-10-07 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: LA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Financial Freedom Mortgage, LLC
State: MD

Complaint narrative:
XXXX : XXXX this agent persisted me on a daily basis and when I decided not to continue they pressurized me to complete assuring me they where best and would benefit me. I explained my concerns with closing costs and they assured me it was normal. I subsequently have been advised its above average. I was also told they would consolidate all our debt only to find most of it will be consumed by closing costs. Then insisted we close to lock in rate and now they going ahead and ensuring process would be efficient. Since signing I have not heard from company! Sent emails and phoned but they unable to assist and was not able to speak to anyone who could assist. I have no idea what is going on and now told payments due XX/XX/XXXX when I was told it would be 2 months of no payments and no information about debt consolidation which was reason to start with. Now we continue to incur interest and the closing fee of {$17000.00} is excessive as I told them! This is our house and we have worked hard for it only to be poorly managed. 

We continue to incur costs and nobody is helping!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called PNC Bank to close my checking account. I was told the bank would close the account and send me a check for the remining funds in the account ( approx {$1700.00} ). They told me it would take a week to 10 days. More than XXXX weeks later I had not heard back, so on XX/XX/XXXX, I called and spoke with a representative who confirmed that a check was written to me on XX/XX/XXXX and sent on XX/XX/XXXX. We confirmed that it had been sent to the correct address. I confirmed that I had not received it so wanted them to send a new check. The representative said a case would be filed for stop payment, and a case worker would be assigned and then the case worker would call me within XXXX days to have a new check sent. On XX/XX/XXXX, a case worker called, but did not leave any contact information to call back if there were further issues. She said a stop payment would be issued, a new check sent, and she would reach back out to me once that had been done. XXXX days later, On XX/XX/XXXX, I had not heard back, so called the bank 's customer service number. After spending more than XXXX minutes, and having been disconnected multiple times, all I had found out is the first name of the case worker and the fact that a stop payment had been issued on XX/XX/XXXX. I repeatedly tried to get connected to the case worker and repeatedly asked for direct contact information so that, if I got disconnected, I would have someone to call direclty instead of having to go through the customer service phone menu and re-describe my issue. I was repeatedly denied any contact information. As a result, each time I was repeatedly disconnected, I was forced to go through the phone menu and redescribe the information ( at least XXXX different times ). After demanding to speak to a supervisor, I was still only provided with the email of the case worker and a supervisor ( no phone number ). I was told that a message had been left for the case worker to call me back. I was later called by the case worker who told me that a check had been issued " earlier today. '' and was being sent by regular mail and I should receive it in a week to 10 days. 

At this point, almost XXXX month has passed since I closed my account, and I still do not have my money. XXXX month seems too long to wait for them to give me my money back after I've requested it, and they have definitely made it very difficult to get them to do anything about it. Even if I get the money in the mail, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was looking at my Macy 's credit card statement and i saw a line item XXXX XXXX. I never requested this service or protection. I called the company and they will not cancel it. Apparently it has been in place multiple years. I need help to cancel and get the fees refunded.

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 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
On XX/XX/, XXXX, from the number XXXX, GC Services Limited Partnership called my cell phone, without my prior permission, at an inconvenient time. Your employee informed me that the call was being recorded but failed to mention that GC Services is a debt collector and he was calling in an attempt to collect a debt. Your employee then proceeded to continuously ask me to verify my personal information. I declined several times explaining to him that I dont verify my personal information with people I dont know, but I did confirm my name. He explained that he had an urgent business matter that he needed to discuss but could not proceed without verification. Again, I declined to verify the information he provided and I was asked to please hold so that I could be transferred to a supervisor. When I spoke to the supervisor she introduced herself as XXXX XXXX and also proceeded to make several attempts to have me verify my personal information without first giving me the proper disclosures required by federal law. With each response I had to reiterate that I do not verify my personal information with people I do not know and I did not give GC Services permission to call my cell phone or have access to my personal information. The call was then disconnected. Your company made me aware that this call was recorded and the evidence of these violations will be present in that recording. 
The above violations to my consumer rights proceed additional violations of the Fair Debt Collection Practices Act that I suffered from your company in your written communication that I received XX/XX/XXXX  via mail. I have sustained an additional 9 violations of the FDCPA, in conjunction with the potential of this being a fraudulent debt. GC Services is trying to claim an alleged debt that currently another debt collector, XXXX XXXX XXXX XXXX is attempting to collect. Your company has also threaten to sue and I am experiencing terrible XXXX XXXX that are agitating my XXXX and XXXX as a result of your communications with me. I am a XXXX veteran and I am a federally protected consumer and my rights have been contiguously violated ever since the initial communication by GC Services Limited Partnership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: VA

Complaint narrative:
TransUnion, XXXX and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX2022. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of medical bill 3 years old. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

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 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
They will not give me my 2021 1098

Company response to consumer: Closed with explanation