vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-28 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I leased a car from GMAC, made ALL payments promptly and FULLY. When I turned in my car, the dealer accepted the car as is -- -no dings, no problems, whatsoever, pristine condition. 

GMAC then sent me a letter saying the contract called for a disposition fee, prepping the car for sale -- -UNNEEDED in my opinion. I DISPUTED the fee and would not pay it. I was never told by anyone that there was this addtional cost to the lease. Yes, it was in the contract ; HOWEVER.. 

I was told the disposiyion fee would be waved if I leased from GMAC again. I would not considring this BLACKMAIL. After numerous, more thandaily, call, dunning me, I asked them to stop harassing me. They did, but they also reported this DISPUTED cahrge to the credit rating services who immediately became complicit by reducing our PERFECT credait rating incrementally as I was still disputing the fee. 

I finally gave in after tryig to lease a car from another dealer who said I was a tier 5 credit risk when I had always been tier 1. The point of this complaint is twofold. 

One, all auto leasing companies should be required to STATE verbally ALL costs of a lease instead of SNEAKING in hidden fees!! 

Two, Credit rating companies should not allow one disputed fee to wreck a perfect credit record especially when it is a protested fee. The intricacies of protesting for elderly people particularly, I am XXXX, is abhorrent. 

I believe credit rating companies should not conspire with any company to destroy credit. 
I believe all leasing companies should be required to STATE all leasing costs. 

I have paid the disputed, STILL, fee because it was in a signed contract. To make matters worse, my wife who also, unnecessisariously signed the GMAC lease, had her credit rting destroyed. 

Now I am asking for a law change and an instruction to the credit card comapnies to stop conspiring on such charges and to return my wife and I immediately to our previous, for year perfectt credit standing. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Ct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: AZ

Complaint narrative:
In XXXX there was a data breach and ever since then Ive had nothing but issues in trying to repair my credit all I ask is for a clean slate ... multiple unknown inquiries and acounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have spoken to PenFed several times about reducing the interest on my Promise Visa credit card and they refuse - even though I have a credit score of approximately 750. I have even offered to convert the card to their Gold Visa product, which has an inherently lower rate, and they still refuse. They say I have to apply for a totally new account, which would require me to add a new account to my credit, tarnishing my report, while also losing the history on my Promise Visa, further harming my report. They can, and should, simply lower the rate on my existing product. The rate on the card was quite low when I got it and has been adjusted upward due to the prime rate - which I understand is out of their control. That said, they should be reviewing accounts to determine whether the margin they add to the prime rate can be reduced for customer who have a perfect payment history with them and have never exceeded their limit. I would like to see my interest reduced to the 13 - 14 % range and feel that this is realistic based on the very positive relationship I have had with PenFed.

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 2019-07-28 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to Santander and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to Santander to have them change information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of American put incorrect information on my Credit Report. Listed a large sum of money due since 2011 as an outstanding past due balance when this account/loan was actually paid off to a XXXX balance. 
There incorrect posting caused disqualification to several job positions I applied to for employment. When contacting them of the incorrect information they acted like it was no big deal and didn't even apologize. 
" Abuse of Power ''

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 2019-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-28 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: IL

Complaint narrative:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.

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 2019-07-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: IL

Complaint narrative:
I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.

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 2019-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2019 I did purchase with my PayPal account and they blocked my account, with no explanation. I tried everything ( phonecalls, mails, XXXX contact ) but they decide to hold my funds for 180 days. I still disagree with the decision to deny my appeal I will abide by it however, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

Now, 6 months later I need my founds and the do not contact me or anything. 

I Still have to hold XXXX $ on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank placed a false purchase on my credit account in order to offset an error they made. Specifically, I sent a payment in to Synchrony in the amount of {$1200.00} to pay off one account I had with them. They mistakenly applied it to a different account ( the account ending in XXXX, which is the subject account of this complaint ). When I informed them of this they agreed to remove the payment from the mistaken account and apply it to the correct account. n order to do so, for some unknown reason, Synchrony applied a false purchase to the mistaken account in the amount of {$1200.00} in order to remove the mistaken payment. They did then apply the payment to the correct account. What then happened was that the " purchase '' resulted in a temporary increase in my balance, which, in turn, resulted in a higher monthly minimum payment in the amount of {$190.00}, instead of the usual {$150.00} payment. When I spoke with Synchrony, they stated they would fix this problem, and that I would only be responsible for the correct minimum monthly payment of {$150.00}. I even received an email from Synchrony stating this. However, when I received this month 's bill, that bill stated that due to my having paid only {$150.00} of the {$190.00} minimum due, my account was considered to be {$35.00} overdue and that that amount of the payment was considered late. When I spoke to them again, they said the would agree to remove the late fee, but that I would still be responsible for a higher monthly payment of {$200.00}. They also claim they will fix this, but I have no documentation from them of this matter. I have wasted nearly 2 hours on the phone with Synchrony 's offshore customer service folks. Here is a summary of their errors that I consider to be a significant problem : 1 ) applied a false charge to my account without my knowledge or authorization. 2 ) stated they had adjusted my monthly minimum payment back to {$150.00}, which was not true, as the following month 's statement contained a higher minimum payment as well as a late fee ( I have not received any assurance that this matter has been corrected ).

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 2019-07-28 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: SC

Complaint narrative:
IrequestedthatseveralfraudaccountsberemovedfrommycreditbutinsteadofTransUnionremovingtheseaccountstheymarkedtheaccountsasclosed.TheaccountslistedforXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXX,andXXXXXXXXXXXXXXXXXXXX,XXXXXXXX,shouldbedeleted.Imadethisrequestwellover60daysago.IamRequestingthatthesefraudaccountsonceagainberemovedfrommycreditreportforXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXX,andXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.Ihavesentinpolicereports,identitytheftreports,ID&socialsecurityprovingthattheseaccountsarenotmine.PLEATEPERMANETLYDELETETHEABOVEACCOUNTS.

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 2019-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
On XX/XX/2019 I was hit with a collection on my credit report. I called the phone number associated with the debt and realized it's the same number that's been calling and harassing me with legal action.

They even tried to trick me into giving them certain info for them to use against me in court and after all that, they still never told me what the collection was for. 

They even told me they have certain records they could pull that'll give them the upper hand in court. 

They're still calling, now from multiple numbers ( which I have to answer sometimes since I work from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is still reporting fradugelent informat well over 60 days after I disputed and proved that the following accounts did not belong to me for XXXX & 5 accounts for XXXX XXXX. I received notification that the accounts for XXXX were being deleted but they were only marked as closed which is incorrect & I proved that with a police report, identity theft report, Picture ID & Social security card that none of those accounts are mine. I am asking again to please Permanetly delete these fraud accounts for XXXX XXXX XXXX XXXX {$85.00}, which is also listed on my report as XXXX   {$85.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I applied and was pre-approved for a Manufactured Home Loan on ( XX/XX/2019 ) later it was denied. The irony of it is that the first decision was supposedly based on credit history, but the questions that were asked to me by the officers/processors were related to age and somewhat about credit and work history. Another irony is that I proposed a 22 % down payment. The lady was very eager to ask for money to conduct the appraisal, processing, etc. Later she denied it. She even was reluctant to talk to me by phone and did not answer my calls and messages. 
I feel that Vanderbilt is violating the Fair Credit Practices in terms of Housing and Fair credit in terms of personal loans and/or credit cards. The reason is that the lady used other factor than the capacity to repay the loan. The factor that she used was two-fold : age, and national origin. I also believe that the decision was not fair and was solely based on age and national origin or race. It means that Vanderbilt is trying to make America XXXX  and Young Again. Please, consider this a formal complaint and be aware that I am seriously considering 1. File a Formal complaint with HUD Office of the Inspector General and the Consumer Protection Agency, 2. Develop a blog to let other people know about these 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 2019-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a loan with lobel finance, they tried to repo the csr in XXXX after I made XXXX payment on XXXX, they send the repo and he violated my right lifted the car and damage it, I call the cops I call the bank to make payment and they refuse to take it thinking the repo going to take the car, police make the repo drop of the car, for 3 month after and my car is damaged and I tell the finance company they refuse to give me repo company info and they claim no responsibility, I requested for loan to be paused original loan amount is XXXX after 7 payments of XXXX and 1 payment of XXXX my pay off is at XXXX they refused to talk and the car is totaled they kept charging me while ignoring me, refused to pay me gap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA

Complaint narrative:
I would like to raise a red flag concerning the US Dept of Education  ( US DoEd ) practices with regard to how they manage their student loan default program. I was working with their Default Resolution Group on a loan rehabilitation program when they suddenly and without any warning violated the good faith terms of our agreement and placed my loans in default with a third party, private debt collection agency/company. I had been unable to make consistent or adequate loan payments for some time and so XXXX, the loan servicing company, transferred my loans to the US Dept of Ed Default Resolution Group ( DRG ). I made a good faith payment at the beginning of the process and they even garnished   my state income  tax   return even though I was under the impression that I was NOT in treasury offset, wage garnishment, or any other similiar situation, based on conversations with representatives who told me that if I make payments that would halt any further negative action taken against me. It did not. Then, after working diligently to apply for a loan rehabilitation program administered by the DRG ( their website : www.myeddebt.ed.gov ) they arbitrarily and capriciously, without warning or any reason given, sold my loans off to a private debt collection agency and tacked on over {$13000.00} in collection fees. They did this only about 2 weeks after they denied my initial application for loan rehabilitation. They first told me I could submit certain financial statements, such as bank statements, to document the income and expenses portion of the loan rehabilitation application, but this was incorrect information given to me by their representatives. Because of this incorrect information, they rejected my application stating I had not supplied adequate documentation for the income and expenses listed! While I was working on getting the required documentation, they sold my loans and debt collection added on outrageous penalties and fees. I am currently working with a student loan advocacy organization, called XXXX ( XXXX ) that I found through the XXXX ( Virginia XXXX XXXX ) and fear that legal action may be necessary to reverse the actions taken against me by the US Dept of Ed. I wish to pay off my debt as agreed and even hope to qualify one day for the Public Student Loan Forgiveness Program ( PSLF ) or XXXX Loan Forgiveness   Program ( XXXXLF ) but this will never happen if I can not get these unjust and punitive fees removed and get back on a path towards a sustainable, affordable monthly loan payment.

Company response to consumer: Closed with explanation