vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 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: M&T BANK CORPORATION
State: OH

Complaint narrative:
Refinanced home mortgage with enough cash out to pay off car loan. Loan closing was on XX/XX/XXXX with disbursement scheduled for XX/XX/XXXX. M & T Bank claims it did not receive payment until XX/XX/XXXX, thirteen days ago. After not receiving lien release I spoke with M & T representative today and was told they have to wait for check to clear but the automated system said the account was paid off on XX/XX/2019. I can not sell this car without a title and getting the lien release is just the beginning of the process. I believe this should have been done before this.

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account is being reported inaccurately. I was never late on this account however it is being reported with repetitive 30-day marks which is a clear violation of the FCRA. 

I have disputed this account a few times and have asked for any proof or documentation that I was ever late but got no response from them which violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
Step 1 : What is this complaint about? This complaint is related to a problem with Transunion and XXXX displaying a public record ( bankruptcy ) inaccurately on my credit report.

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, which is the issuer of data on my Transunion and XXXX credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies.

Step 3 : What happened? I then reached out to Transunion and XXXX disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my XXXX  and Transunion credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or Transunion and XXXX, XXXX XXXX, XXXX, and others.

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of Transunion, XXXX, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my score.

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Since engaging with Loan Depot on XX/XX/2019, 106 days has passed and they still have not closed on this re-finance. 

My loan officer, XXXX XXXX, painted a great picture of why I should go with them, as opposed to the other 5 lenders I was working with. Being an informed buyer, I do a lot of research when it comes to large purchases. The 45 day window of hard inquiries being grouped as one by credit bureaus, from shopping lenders had passed. I paid to lock in a rate, while a lender credit & rate match were being applied for, not complete. 

Working in the typical window of 25-45 days to close, XXXX packaged up my loan and sent to underwriting where I guess it got lodged. I must have fallen to the bottom of the pile, as chasing him for updates, he forgot all the details. Understanding that I am one of  many customers, I provided all details to get us back on track, including an appraisal transfer from another poor lender experience, XXXX. However, so much time had passed, I think the rate lock expired, and he began quoting new, much more expensive loan estimates which irritated me. He forgot the details including blaming me for not disclosing a silent second. I put the ownership back on him, as I disclosed everything from the beginning with evidence. My monthly statement and his own loan estimates that had the full payoff. 

Getting more frustrated, I escalated to his manager, XXXX XXXX, by calling to provide context & including him on our email threads. Today, I don't believe anything has moved. I am considering legal action because of what I've paid in appraisal & the hard pings to my credit yielded nothing. Also, I'm being advised to go back to the drawing board to shop lenders again, further impacting my FICO score. 

I feel it's reprehensible to treat customers like this, dragging things out, changing the terms after what was promised, not communicating consistently after things have been escalated. 

Hopefully this serves as a warning to other prospective homeowners and the company 's leadership gets involved in cases like mine that exceed the normal timeline. It occured to me I should cc XXXX XXXX, but can not find an email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
HSBC approved my balance transfer request in the amount of {$5000.00} on XX/XX/2019, from a XXXX XXXX XXXX Mastercard. My outstanding account balance, including the fee for such transfer, was {$5200.00}, as of XX/XX/2019. The funds have not been received by XXXX XXXX XXXX, and HSBC was unable to provide any evidence that funds were sent to XXXX XXXX XXXX. 

It is deceptive and misleading to charge my account on XX/XX/2019, for funds that have not been transmitted as of XX/XX/2019. To the extent that HSBC requires processing time, my balance with HSBC should be held in a pending status, rather than being charged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I called Buckeye Lending Solutions on XX/XX/XXXX to inquire about settling my balance of {$450.00}. I was told that the debt had been sold XXXX XXXX. I then contacted XXXX XXXX on this same day and settled the account for {$380.00} on XX/XX/XXXX. I was told by a Debt Collector at XXXX XXXX that this account would be reported as settled. I have contacted XXXX XXXX on 3 different occasions and have gotten the run around. XXXX XXXX then stated that Buckeye Lending Solutions is responsible for reporting to the Credit Bureaus and vise versa. I have made atleast 3 disputes regarding this matter in the past! Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to XXXX/Dept of Education asking them to remove the late payment on my credit report on a good faith adjustment. They never responded to me. On XX/XX/XXXX, I wrote the first letter to Transunion to dispute my report as well as sent them the information showing that XXXX received my letter and documentation and never responded. When the investigation was completed, nothing had been changed. On XX/XX/XXXX, I wrote the second letter disputing my credit report based on false reporting. XXXX is reporting that I was current in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but 90 days late in XX/XX/XXXX. When I received notification that the investigation was completed, once again nothing had been changed. I am filing a complaint on Transunion. Based on the Fair Credit Reporting Act, they are responsible for reviewing the accuracy of the disputed item and that has not occurred.

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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have a checking account and a savings account with XXXX XXXX XXXX I do not have -- and never have had -- any credit accounts with XXXX XXXX and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, XXXX XXXX continues to access my Equifax credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by XXXX XXXX on XX/XX/2019. They have also done this two times previously. Again, XXXX XXXX has absolutely no permissible purpose whatsoever and Equifax also negligently gives XXXX XXXX completely unauthorized access to my credit reports. 

I have phoned XXXX XXXX on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with Equifax. 

Today I spoke with Equifax. They said there is nothing they can or will do. The problem, they claim, can only be solved by XXXX XXXX. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why  Equifax was negligent in allowing this to happen. If no satisfactory results are given, I may use the courts to seek statutory damages per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I received a check by mail for {$2400.00} and I checked in. I was paying regularly my debit but I found myself in a difficult situation and I didnt pay for two months. I woman XXXX, started calling me to my work place almost every day, been so rude and aggressive towards me. I explain to her that she can no longer call to my work place and I has having returned her calls even if she still abusive with me. She called me ones again asking me to my work address and I explained that I can give that to her. She in putting my work in risk with those calls. Im working to have that loan pay, but I cant right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
On XX/XX/2019 I received a letter in the mail from Ally Bank stating that they were giving us 15 days and then our account would be closed. The letter was dated XX/XX/2019, so 8 of the 15 days had already passed before we were notified. Ally Bank did not call us about the issue either. I repeatedly contacted Ally Bank customer service in their online chat and on the phone during the next few days and they wouldn't extend the time period before account closure and they wouldn't let us keep the account, and our savings account open. 

I think that they should have made more attempts to contact us regarding the account closure and we should have had 30 days notice, not 6 days notice. Notice period needs to begin when customer acknowledges receipt of notice and not just when Ally Bank company decided to date their letter. 

Ally bank won't even honor outstanding checks that hadn't been processed before the account closing date. I think that Ally Bank needs to be held accountable for shady business practices.

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 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has repeatedly called several of my family members. The have contacted my father two times  leaving voicemails stating the nature of his call and left for specifcally adressing me not my father, the last call/voicemail was left on XX/XX/2019. They have contacted my brother XXXX XXXX twice and left voicemails stating the nature of their business and specifically adressing me not my brother. The most recent phine call/voicemail to my brother was on XX/XX/2019, also during which he stated that i have failed to address the issue with him several times now. It is the same person named XXXX? who claims to be my senior account manager. I spoke to a person with American Express in early XXXX and discussed my financial situation and that i could not pay the debt currently. They have now chosen to harrass my family members and attempt to tarnish my image with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Direct Recovery Services, LLC
State: MI

Complaint narrative:
I have received a call from this company at the phone number XXXX. They are threatining me to contact them today ( XX/XX/2019 ) or they will be forced to file some sort of lawsuit against me on XX/XX/2019. They also called me yesterday ( XX/XX/2019 ) and made the same threat to contact them before XXXX. I'm not sure what type of debt this Is, being that I am already In a financial crunch since XX/XX/2019 from being laid off from my other job, but they mentioned something about banning my social security number or something strange like that. I really don't know. I can't afford a lawyer at this time, and I would like these calls to stop being that I am already dealing with a lot at this point In my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: KY

Complaint narrative:
Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as of XX/XX/13. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: NC

Complaint narrative:
Very high interest rates. ( 471 - 841 % ) When I click on the loan document. It always gives me an error page. And it still shows I owe a lot. If I go by the payment plan. I would pay over XXXX on a XXXX dollar loan.

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 2019-10-15 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: U.S. BANCORP
State: OR

Complaint narrative:
I have a checking account and a savings account with US Bank N.A.. I do not have -- and never have had -- any credit accounts with US Bank and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, US Bank continues to access my XXXX credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by US Bank  on XX/XX/2019. They have also done this two times previously. Again, US Bank has absolutely no permissible purpose whatsoever and XXXX  also negligently gives US Bank completely unauthorized access to my credit reports. 

I have phoned US Bank on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with XXXX. 

Today I spoke with XXXX. They said there is nothing they can or will do. The problem, they claim, can only be solved by US Bank. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why XXXX  was negligent in allowing this to happen. If no satisfactory results are given, I may use  the courts to seek statutory damages per the 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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After several attempts to correct the information regarding a loan with XXXX and 2 subsequent complaints through CFPB. The original creditor, in order to rectify ongoing eronious reporting errors agreed to deletion of the tradeline from my history. 
XXXX sent a letter to Equifax stating this on XX/XX/2019. 
Since then Equifax has refused to honestly and accurately dispute or follow up with this information and refused to remove it from my tradeline history. Equifax has been provided a copy of the letter attached in this complaint by both myself and from XXXX. The previous complaint is referenced underXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
The company I am receiving a loan from failed to add the closing costs of the transaction to the loan after I specifically requested that they do so. 

On XXXX XXXX, I discussed with my realtor that the closing costs would be difficult for me to cover and that I would like to add it to the loan. He spoke with the loan depot representative and they said it would not be an issue and relayed to me that it would add {$8.00} to my monthly rate, which I was absolutely fine with. 

On XXXX XXXX, however, there was an update appraisal on the house, noting that it was {$10000.00} less than the asking price. The seller agreed to the new price and new documents were made, however Loan Depot failed to add the closing cost we'd discussed on the XXXX to the new loan and failed to inform me and to run down the new rates before the closing signing occurred on XXXX XXXX. 

All documents were signed, in what felt like a very rushed manner and in a way I did not feel I had adequate time to review at XXXX on Friday, and after I left the building with the keys, my realtor called me to inform me that there was an issue, that {$2100.00} that I'd requested to be added to the loan was not added, and I would have to wire come up with this money and pay the closing cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation