vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Ally to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

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 2018-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for BMW to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
i had a rep call me and tell me that my account was being reviewed due to me reporting an atm fraud. i explained that i have never reported any kind of atm fraud. i have my debit card and there was nothing wrong with it. i have had direct deposit for over 3 years and when i called they said it was closed. the same day that i got my direct deposit. now there telling me i have to wait 60 days before i can get my money. so i have to wait 2 months before i can see my money. they wont even let me open a new account. not like i would want to after all of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I first want to start by saying that I am unsure if I selected the correct categories because I am in a very odd situation, frustrating situation at that. 

My work offers an HSA ( health savings account ), and they require you to go to a specific bank ( People 's United Bank ), to open the HSA account, they also give you a {$500.00} to deposit into the HSA account. Why I feel this is an urgency, is because I just had my wisdom teeth extracted and I could use the {$500.00} that my work gave me to front load my HSA account. Well, when I went to people 's united bank this week and a week ago, they told me that I showed up on a chex system report, meaning that I had an outsanding charge off with another bank. People 's United bank couldn't tell me which bank was reporting that the first time, but for some reason they were able to tell me the second time which I find frustrating that they couldn't tell me the first time. The second time I went into people 's united bank in  XXXX, NH, they told me that XXXX XXXX XXXX was reporting me and that I couldn't open up the HSA account. 

I had to think for a minute because my the only bank that I have a checking or savings account with is XXXX XXXX XXXX XXXX. I then remembered a few years back, my father was going to jail and he needed someone to pay his bills for him while he was in jail, and he had me put my name on his account at XXXX XXXX XXXX XXXX so I could pay his bills. Well, I went straight to XXXX XXXX XXXX in XXXX, NH and the manager terminated my name from my father 's account, but wasn't able to report that I wasn't responsible for the {$3000.00} charge off account that my father accrued with XXXX XXXX XXXX XXXX. My sole purpose was not to be on my dad 's account to pay his fees, but to pay his bills for him while he was in jail. Now I can't open up an HSA account at People 's United bank until my dad 's balance at XXXX XXXX XXXX is paid off. I don't feel that is fair to me because I honestly didn't realize my name was still on my father 's account and nor did my father tell me that I was still on his account. So while he was racking up a bill with XXXX XXXX XXXX, my name was still associated with his account. I am furious! And I will take every step that I need to, to resolve this. I don't feel at all this is fair to me especially for the reasoning that I was on his account. 

XXXX XXXX at People 's United bank sent me an email XX/XX/18 stating that I can't open up an HSA account until the balance at XXXX XXXX XXXX is paid. 

XXXX XXXX at XXXX XXXX XXXX provided me a letter XX/XX/18 stating that I was terminated from my father 's account to provide to Peoples United Bank, and even after providing that letter, XXXX XXXX still told me that I couldn't open an HSA account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received call from XXXX  XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Hello : Fay Servicing LLC is a debt collector working for XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. 
We have several attempts to discuss a trial payment plan sent to us that is not affordable, but XXXX XXXX, the account manager at Fay is completely unresponsive to emails or phone calls. 
The amount that Fay is trying to collect is different from the original debt and not documents were provided to show why there is a difference. 
They are trying to foreclose on our home. We have XXXX  children and XXXX is XXXX XXXX XXXX. 

The loan was divided in two loans, one was dismissed in XXXX Superior Court when XXXX XXXX just like Fay Servicing try to collect. 

We need assistance from the CFPB to stop this injustice. 
XXXX Family

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX  and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.

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 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/XXXX ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Recovery Services Inc.
State: TN

Complaint narrative:
DIVREC SRVC ( Original Creditor : 09 XXXX XXXX ) XXXXUnfair XXXX    XXXXUnfair XXXX XXXX XXXXUnfair XXXX XXXX XXXX   XXXXUnfair The following accounts were disputed directly with the credit bureau and is not reporting accurate information.

I have not gotten any verification of ANY of the above debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
Due to circumstances beyond my control, unable to make mortgage payment starting in XX/XX/XXXX. Had to vacate house with my child XX/XX/XXXX. Listed property for sale, did borrower assistance application for deed in lieu of foreclosure and/or short sale, as realtor listed property at less than what was owed. First offer for short sale XX/XX/XXXX. Mortgage company repeatedly claimed missing documents or info, all of which was sent by myself and my realtor. After 6 weeks, buyer rescinded offer. Another short sale offer for cash in XX/XX/XXXX. Exact same thing happened, second application with all required paperwork filled out and sent in. Lost second buyer. Then was supposedly approved for deed in lieu, all papers received and signed with notary, sent in XX/XX/XXXX. Few weeks later, told an additional paper needed signed, emailed to me. I signed it, and like everything else, emailed it back ti multiple individuals at Roundpoint, as well as the loss mitigation email. Then informed needed hard copy by XX/XX/XXXX ( they told me this after XX/XX/XXXX, and I had NEVER been told of a deadline, nor had my lawyer been told. Argued that they should still continue to deed in lieu, and was told by Roundpoint thay they were still working on it. Their lawyer contacted mine. And then wanted that one paper XXXX XXXX XXXX  to the lawyer directly, which was done the very next day. Now, all of a sudden, they're saying I have to start the process all over again, which I've done multiple times over the past year. My realtor had said I her 30 years in the business, had never seen a mortgage company do this to someone. Please help 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 explanation
Consumer complaint received 2018-08-16 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: MI

Complaint narrative:
I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2018-08-16 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: MI

Complaint narrative:
I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX I C XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WRONGFUL FORECLOSURE # XXXX they changed the number from # XXXX ( Which I believe was changed for non tracking purposes ) WELLS FARGO HAS BEEN UNDER SCRUNITY FOR SOME TIME NOW AND IT APPEARS THAT NO ONE IS LISTENING TO THE CONSUMERS. 

WELLS FARGO 'S LASTEST ADMITTANCE TO A GLITCH IN THE SOFTWARE ON THEIR COMPUTERS IS THE REASON THOUSANDS INCLUDING MY FAMILY HAVE LOST THEIR HOMES. 

I HAD OVER {$200000.00} WORTH OF EQUITY AND OWED $ XXXX LEFT ON PAYING A LOAN FOR APPROXIMATELY 20 YEARS. 

I SENT IN COMPLAINTS ABOUT THE PROCESS MULTIPLE TIMES AND NOW THEY ADMIT TO WHAT IM SURE THOUSANDS OR MILLIONS HAVE COMPLAINED ABOUT I WANT MY HOUSE BACK OR COMPENSATED FOR THE EQUITY LOST BY THIS MORTGAGE DEBACLE.

Below is another complaint attached.

Subject : Wrongful Foreclosure ( Loan apart of the ones with the Glitch ) that didnt get modified and eligible This is a request to review the process of how Wells Fargo Home Loans has intentionally request the same documents and placed the account on some type of restriction allowing the representatives working start the process over and over again at or

about 60-90 days.
My Loan was a block Urban Renewal program which should have had some type of protection attached. The town we purchased in was considered an urban renewal block not section but they designated a few blocks in the town to promote home ownership to rebuild the area. Which is now very much built up.

Our house had over {$200000.00} work of equity and the loan should have been modified per the Governments ruling in 2008 but was in the bulk of loans just reported that there was a Glitch in the system and none of the eligible loans were modified but steam-rolled straight to foreclosure.

Please respond with opening up a thorough investigation into our unfortunate situation. 

Thanking you in advance for you immediate attention to this XXXX XXXX. 


XXXX XXXX XXXX or XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: PA

Complaint narrative:
I had a Auto loan with XXXX XXXX XXXX ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However XXXX still closed the account as a charge off Account. After sending in disputes to Experian the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. Experian couldnt verify any of the information do to the fact XXXX XXXX XXXX is out of business. I called XXXX to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my credit report.

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 2018-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Santander to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
There are 2 hard inquiries on my XXXX  credit report by a XXXX XXXX and 1 from PayPal Credit. I have no idea of who or what these companies are.

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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is attempting to collect a debt I do not owe. I had a lease with an apartment complex XXXX XXXX XXXX that was managed originally by XXXX originally ( management changed after I left ). This management company offers leases to students for the time of their school year ( 6 months, 9 months and 12 months ). I signed a 9 month lease with them.

The entire lease payment was made through my scholarship. I have provided the email conversations of coordination of that payment.

After my 9 months, the new management company attempted to accelerate the lease and charge me for additional months and fabricated damages and incredible cleaning charges that amounted to {$7000.00}. I have learned that such scams are common with some unscrupulous management companies to continue to suck revenue out of past tenants and provide an additional income source.
The Consumer Finance Protection Bureau needs to research this not only for me..but for all of the other students who have fallen into this trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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:
I'm set up with automatic payments. Each month, the payments go to the wrong accounts ( I have no control-they apply the payments ). My credit report is showing one account is horribly past due, yet when I call, they tell me that it's fine. This is also affecting my mother 's credit ( my cosigner ). She has also called & been told that everything is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I used to live in XXXX XXXX in XXXX md. After I moved out. the lessing office called me that they was a carpet damaged That I should pay the sume of {$260.00}. I Asked lessing company to give me one month to make the payment. And we agreed on that. Before that mouth pay the {$260.00}. But the lessing company still send my information to credit report. Right now I need help I want them to remove the {$260.00} from my credit report

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 2018-08-16 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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