vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
*************THIS IS NOT A DUPLICATE********* I started a 72 mo loan with TD Auto Finance XX/XX/XXXX and in XX/XX/XXXX, I began asking them to apply any extra payments I made to the principal balance. They kept denying that I even made the requests with them so I filed a complaint so that they'd have it in writing. TD Auto finance still failed to apply any of the extra payments I made to the principal, instead applying it to my next month 's minimum due, so I would wind up paying a lot extra in interest. 


1. The contract language alludes to a 10 day monthly grace period, but I wasn't notified until the end that this was not a grace period, interest still accrues during those days, and is amassed on the back-end with the principal. 

2. The extra payments I made to cover any additional interest were never applied to the principal and interest - despite filing a complaint about it. As a result, more interest accrued that should have 3. I called them on XX/XX/XXXX to  dispute the amount owed and for them to stop all collection efforts until they recalculated my whole loan with the payments applied. I called them 4 times again between that day and today, XX/XX/XXXX for an update, providing a new phone number 2 separate times for them to contact me. They've never called, but say they've called a previous # that I explained was no longer valid. When I call, they announce that it went to the " cashier 's department '', and that I'd be called. 

4. Despite my dispute to stop collection efforts while the loan is being re-calculated, they have charged an out of the ordinarily large late fee & also reported a missed payment to the credit bureaus. 

5. The original contract says I owed {$35000.00} after interest. I had a little less than {$700.00} in late fees which would total : {$35000.00} I have paid to date : {$36000.00}. They claim I still owe approx {$390.00}, which includes an unusually high late fee of {$62.00} ( normal fees are {$24.00} ). In total : they are claiming I have {$840.00} in extra interest. I have, and will continue to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.. The inaccurate and unverified item listed below remain on my credit report in violation of Federal Law. This account was settled with original creditor.There is no contract with collection agency, no valid verifiable claim. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct? Who verified this account? 

Transunion has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Account : XXXX {$2300.00}

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 2018-06-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX Bank According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.

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 2018-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, Ga. I placed half of the purchase on credit cards and the other half I was convinced by XXXX was a good idea to finance through World Omni Financial d/b/a XXXX XXXX XXXX. I decided to finance the remaining amount, thinking it would build my credit to purchase a new home. 
In XX/XX/XXXX, I paid {$5000.00} on the XXXX XXXX only to find out a month later that {$2100.00} was the online posted amount to pay off the loan. I took the remaining amount of money from my bank account to pay off the loan so, I sent SETF a personal check ( # XXXX ) in the amount of {$2100.00}. I would never had taken the amount from my bank account to pay off the car had they not posted the incorrect amount on their website because it would have caused a hardship for me to pay the lump sum and still make payments to them. XXXX released the lien to the state of Georgia and the State of Georgia sent me the title to the car while XXXX also sent me a payoff letter stating that I had paid the account in full. 
About a month or more after I received the title, I received an email and a mailed invoice stating that I owed them more than {$5000.00} for the XXXX XXXX and have received emails and invoices monthly for a payment. After posting a " Closed-Paid and Closed '' account status on my credit, they reopened the account on my credit report. I called XXXX and spoke with XXXX who told me that they had made an accounting error but, that I would have to pay the amount that I had contracted for. She stated that they took full responsibility for the error. Taking full responsibility is not unloading the mistake onto the consumer. 
Please help me, as a consumer, eliminate these inappropriate business and accounting practices, as it can cause financial hardship to the average citizen. Please review their business practices for illegal activity with consumers and help me by finding that XXXX has performed inappropriate activities and should zero my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX XXXX According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that Sallie Mae reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that Sallie Mae place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6.  Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal placed a hold on my account 7 months ago for unknown reasons with a statement stating they would send instructions to release the funds in 6 months. 6 months went by without contact. I spoke with a representative on XX/XX/XXXX who stated that the funds would be released in 3-7 days. I received no contact and the funds were not released. I contacted PayPal today, XX/XX/XXXX, who stated that they were going to review the account, but given no timeline as to when the funds would be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Penn Credit Corporation called my in-laws multiple times about a debt that I personally owe. My husbands parents were given my name, date of birth, where the debt was for and the amount. I believe this is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later  it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.

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 2018-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I wrote TransUnion about an account that is improperly and inaccurate and with old information. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from TransUnion, a few days later I received the letter back because it was undeliverable. 
TransUnion is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my TransUnion Credit Report inaccurately. 

2. Given that the furnisher ( XXXX XXXX  ) has provided false information to TransUnion about me, and provided TransUnion with a false address, I am demanding that the item ( XXXX XXXX  ) they are reporting be removed immediately.

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 2018-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been trying to negotiate a settlement with Navient to be removed as a cosignor. They continue to call me on my cell. They have found my direct phone number at work, and have actually gone as far as contacting my youngest daughter on her personal cell phone, who is not involved in any way shape or form with this loan. 
I am clearly being harassed!!!! 
I have clearly stated to them on multiple occasions to not call me, as I will never make another payment on my EX STEP DAUGHTERS loan. 
I have told them to mail everything, and please ... ... by all means ... ..take me to court. 
They just continue to call and harass and threaten me. 
Unless they are willing to negotiate a settlement, without asking for all of my private information, I will gladly meet them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a deposit into my Chase account on Friday XX/XX/XXXX. It was a mobile deposit from a payroll check XXXX of {$1300.00} I should have XXXX available on the next business day which is Monday. And they said they were placing my check on hold for 7 business days. I would like to note this is not a re deposit item and it is not a new account. I called and ask for them to provide me the {$200.00} as stipulated by regulation CC and they stated they did not have to and were not required to do so. I have a disconnection notice from my electricity provider and I worked for that money there is absolutely no reason for the entire amount to be held for so long. I have been banking with Chase for some time now and they have clearly violated a federa regulation by not placing my check on hold for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery calls my # from about 50+ " spoofed '' numbers for someone else 's debt. I have told them the debt isn't mine and requested them to stop calling, but they persist and call at least 6 times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I just realized that my credit score had dropped due to the company reporting my deb into collections. I want the company to take my account from collection into good standing

Company response to consumer: Closed with explanation