vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: KEYCORP
State: IN

Complaint narrative:
Keybank has repeatedly put the responsibility of obtaining title to a loan / lien that was paid in full for both a boat and a trailer.

It is regulated by the FDIC and the FTC as well as state governing banking agencies to release the lien on a paid off loan and provide proof.

It is also law to have a registered agent for service when you are an employer.

That RA does not have to be in the state doing business, it is the representative of the company, and we now live in Indiana. 
Your company will have to travel here when we sue you. 
We are going to complain to the FDIC, the FTC and your state banking commissioner as well as re open the CFPB complaint and expect monetary compensation for the process of trying to calmly and legally obtain legitimate documentation for title to the trailer for which you provided a loan. 
If you transferred this title then you need to provide that information as we have not received it, the original note ( attached ) shows you provided financing orginally for said trailer. Why are you not able to provide the title? You stated on the phone that we have to go to the state of California to obtain title, but you said the option has " expired '' in your letter so which is it? 
How this complaint is now not the same is you are putting the responsibility on us, the consumer, to obtain title for a trailer you financed and admit you did not provide final title and release of lien for, that is illegal. 
Before we simply asked for the title but now stating there is an expired timeline falls to you as well as if you sold this loan we were not notified. 
We demand all documentation of that sale, for the title of the trailer as well as your registered agent information in the state where you hold your company licensing, as well as the title for the trailer. 
If we can get it from California so can you. 
Since we were not notified of this change of title / ownership of the loan we expect due process from your company. 
As well, how are we to research this new loan / lender without information from you : i.e. no new loan number, no address, no name, no reference to the trailer? 
Since we paid the loan off after moving to Indiana you had our new address, we also had a forward from our old address and are friends with the new owners who have mailed us mail that did not forward. 
There is simply no excuse for this behavior or the fact that you dropped the ball, likely sold the loan, did not inform us and now are trying to place blame on us. 
Due process and normal course of business require you to act in good faith. 
We will not go away and the complaints will escalate and become bountiful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
Have called multiple times throughout the year 2022, trying to obtain most recent mortgage statement. Unable to contact customer service or email with a resolution. Still havent received any mortgage statements from BSI financial services since the start of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I received a debt collection letter from Professional Finance Company , Inc. for a total amount of {$250.00} pertaining to medical charges they indicated were from XX/XX/XXXX. The original charge was indicated as being from XXXX XXXXXXXX XXXX XXXX 

My wife and I have made multiple attempts over the course of the past year to obtain a mailed copy of an itemized bill from XXXX XXXX as required by my XXXX XXXX prior to submitting any payment. On the most recent contact ( XX/XX/XXXX @ approx XXXX XXXX XXXX via telephone at XXXX ) to XXXX, I was advised that an itemized copy of the bill could not be provided and then hung up on by the representative to " assist other customers that she can actually help ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to 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 non-monetary relief
Consumer complaint received 2022-04-26 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: GA

Complaint narrative:
I am very upset and stressed right now, I recently checked my credit report and there is an account that doesn't belong to me and it is residing in my credit for quite so long already. I sent letters to the respective bureau about it last XX/XX/2022 but haven't receive anything in response. I felt I was being ignored and taken advantage, so I checked everything in order for me to address my concern and according to FCRA 611 ( 15 U.S.C. 1681I ) ( A ) - the investigation is just for 30 days only and the extension is for more than 15 days additional only, beyond those it gives the reason to immediately remove those items from my credit file. IT WAS MORE THAN 45 DAYS HAVE PASSED AND NOTHING CAME TO MY MAIL, EMAIL AND EVEN PHONE. THIS IS RIDICULOUS. THIS HAS TO BE STOPED.

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 2022-04-26 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: TX

Complaint narrative:
Sent letters multiple times to Transunion to remove these Hard inquiries and they will not comply. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: OK

Complaint narrative:
This company runs an apartment complex called XXXX XXXX in XXXX  XXXX, Oklahoma. In XX/XX/2021, we completed our month-to-month lease with the proper 30 notice. We left because the apartment had become uninhabitable. There was no air conditioning when it was over 94 degrees outside. Roaches, vermin, wasps, raw sewage leaks, and an abandoned apartment below us was being used by homeless vagrants regularly. Gunshots were fired every night. We gave them a 30-day notice even though we didn't have to due to the living conditions. In any other state, they would be considered a XXXX. They now put a collection account on my credit without properly informing me of my right to dispute this claim. I have plenty of video and picture evidence to show they are in fact a XXXX  and were making us live in unsafe conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. 

I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 

2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 

3. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 

4. XXXX spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 


5. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 

6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? 


My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. 

thank you. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a new vehicle and the following day removed the warranty in the amount of {$8000.00}, XXXX XXXX sent out a check to Truist with all of my information, Truist then deposited the {$8000.00} to an account that wasnt mine on XX/XX/2022, I had to contact XXXX to make sure they sent the check which is when they stated it was sent and cashed by the bank on XX/XX/2022. I called Truist bank XXXX times from XXXX ( today ) and they still have no removed my money from the account they placed it in into my account to apply toward my loan, Truist fraud department has stated they were unable to reverse the {$8000.00} check that clearly wasnt supposed to go into someone elses account.

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 2022-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Good afternoon. 

My Auto account number ending XXXX My XXXX XXXX  was repossessed on XX/XX/XXXX. I gave my Fiance permission to pay off the account settlement balance of {$9800.00} so that we could retain the vehicle back. The payment was wire transferred over as directed by Capital One on XX/XX/XXXX where it got stuck in compliance review for XXXX business days, leaving us without a car for XXXX weeks. We called nearly every day to see if our payment had been processed so we could get our vehicle back. The car has already been sent to auction on XX/XX/XXXX, we have hired a lawyer to represent us in this action that they moved the vehicle before a resolution was made on our issue. 

As stated, Capital One XXXX failed to process our payment as agreed within a timely manner and has caused severe damages which included loss of funds {$9800.00} for XXXX business days, as well as loss of transportation for XXXX weeks with no vehicle. And now the vehicle is up for auction without the company responding to our resolution request with our XXXX. This is poor customer and consumer care, as I have made several attempts to fix my mistake of my car being repossessed and should have had it back on XX/XX/XXXX as agreed. I was told payment would take 2-4 hours to process, which somehow turned into 21 days and we had to have our bank ( XXXX ) reverse the wire and retrieve it back since Capital one was refusing to have the payment processed through their third party wire transfer, which we were directed directly from Capital One to send the wire transfer through that XXXX party ( XXXX  XXXX  XXXX  ) . that 3rd party reported to my bank that Capital One never authorized this wire transfer for the account and could not process it on their end. Funds were then reversed XXXX business days after the fact. 

Capital one has done nothing at all in attempts to make this situation right and in fact have been very difficult to work with during this entire process. They have made obtaining my vehicle back after repossession completely impossible. I am under suspicion that they have done this on purpose in a ways to sell my car and sue me for the remaining balance when I have proof that payment was sent to them on XX/XX/XXXX to close the account out on a settlement to get the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: AL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
A XXXX credit card was fraudulently opened with my name and address but not with my accurate phone number. My credit score did not meet the requirements to open a card but when I disputed the account and agreed to payment options to remove the charged off account from my credit report. XXXX credit card informed me that there is nothing I can do to remove the the charge off account although the account is not mine and is a result of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I lived in XXXX XXXX at the time of the debt. date of service on these accounts were from XXXX, XXXX, XXXX at the XXXX XXXX XXXX XXXX XXXX. I paid these accounts over a period of time with one of the XXXX  accountants. I made monthly payments until it was paid off. Now last week a financial institution posted those old depts on my credit report. I don't have my receipts as it was so long ago and i have moved 4 times since then. My credit score tanked because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: VA

Complaint narrative:
Kikoff is not reporting to XXXX with current payments that have been reporting to all other consumer reporting agencies. I would like this to be updated so that I can gain positive reporting for XXXX that is currently not reflecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to request my free credit report from Equifax online at annualcreditreport.com. I got a message that it couldn't be provided online and to call them. As you can see by the attachment, the message didn't include a phone number where I was supposed to call. I reported the problem a week or two ago and received a response thanking me for reporting the problem and including a credit report request form. I don't want to put such sensitive PII in the mail, so I tried the online process again today and the problem has not been fixed. The credit report request form included a phone number, which I called to request my report through the automated phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  XXXX XXXX mortgage is reporting wrong information in all of the credit report I have dispute the balance on my credit report that caused my scores went down I am not late but XXXX  XXXX  XXXX mortgage have increased my principal after weeks later so many complaints so many calls the problems still there.I paid my mortgage every month I dont miss payment so why my principal increased from {$79000.00} in my statement to {$81000.00} on my credit report when I disputed it why all three credits bureau told me to contact XXXX  XXXX XXXX mortgage I did for weeks they still not fixed the problem because the balance is wrong finally XXXX  XXXX XXXX mortgage told me I have a short in my escrow that may be the reason I the increased in my principal.I never anything like this my escrow monthly payment is {$520.00} and my principal monthly payment is {$220.00} a month and my escrow balance is XXXX so how they went put more than the balance said and also why put it in my principal and when question them they gave all kinds of stories but still not fixing my credit report problems with the wrong balance? 
I want XXXX  XXXX XXXX to fix it and report the real balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: AL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-26 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: AL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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