vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: SD

Complaint narrative:
Thank you for taking the time to review my complaint. Below is an email that I sent to GM Financial on XX/XX/XXXX, in regard to my family 's 2 leases through them. I have not received any correspondence from them to my knowledge, and really just need the 2 late payments removed from my credit report. 



To whom it may concern at GM Financial : I am writing to dispute the negative reporting on my credit bureau that was due to your negligent website, dating back to XX/XX/XXXX/XX/XX/XXXX. As you may recall, GM Financial underwent a seemingly major website overhaul, or website maintenance period where inaccurate account information was shown. We have 2 current leases with GM Financial, and I log in to pay them twice a month. At that time, I was neither unable to log in to my accounts, NOR was I able to reach anyone with your company as the customer service department was not taking calls. 

Once it was " fixed '', there was a past due notice on the main payment screen where both leases are listed, but not once I clicked on " make payment '' on either account so I assumed everything was on track. I've attached a screenshot of how the actual payment screen looked at that time, and as it still looks today. You can imagine the confusion that ensues from the complete lack of cohesion and transparency on your website. No matter what the main payment screen says, the ACTUAL payment screen ALWAYS shows zero for every line. The user must open a new browser screen or flip back and forth between the main page and the payment page to make sure they are free-typing in the correct payment amount. 

This is completely ridiculous. I pay every other family bill online and your site is by far the worst interface to deal with. At the very least, I recommend fixing it to reflect accurate payment information on the main payment screen, among other customer focused upgrades that are necessary to avoid future problems for your company. 

I kindly ask that you remove the negative reportings from my credit bureau ( the 2 30+ days late payments from earlier this year ), due to your negligence and extreme customer service shortcomings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with XXXX XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX XXXX XXXX " HARD '' hit on my account. 

I called XXXX XXXX and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called TRANSUNION ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with XXXX XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX XXXX 's " HARD '' hit on my account. 

I called XXXX XXXX and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called XXXX  ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX nor EQUIFAX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and EQUIFAX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too.

I have called XXXX and they initiated an inquiry with XXXX   XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX  XXXX  's " HARD '' hit on my account.

I called XXXX   XXXX  and XXXX  told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''.

I called XXXX ( XXXX  ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account.

I have not talked to EXPERIAN nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached EXPERIAN and XXXX  's sections of my credit reports showing the " HARD '' hit on my credit report.

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.

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 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I have a medical debt from 2014 that was paid through the doctors office. The original occured because of an insurance issues that took a few weeks to be fixed. The debt was sent over to kansas counselors and never placed on my credit until 4 years ago. my wife and I have tried to reach out to Kansas Counselors, we don't get any type of information regarding the debt, except the basics. When I asked questions regarding the reporting or why this is now being collected on. Each collector informs me that I need to speak with a superivor. They are never available. I have left over 7 messages and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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:
My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, Experisn And XXXX. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX  Consumer Relations regarding 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 2018-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Our previous complaint was closed a few days ago, case # XXXX. After almost 3 months of trying to close on a refinance with Loan Depot. On XX/XX/2018, a few days before Loan Depot was to respond to my first complaint, they informed me that our loan would be cancel because of information that they needed from the bank that is holding the mortgage of the note to be refinance, wasnt able to be attained by XXXX XXXX, loan depot 's contracted verification company. My wife and I have been in and out of banks, retrieving loan histories and pay off statements. We have also been on many third party calls with XXXX XXXX to verify information. Loan Depot is blaming me and my wife for them not being able to attain the information that they are requesting. We have offered statements that reflects the information that they have requested. They have already received the information and now they have requested the same information over again. We are cooperating with their third party verifying company, but the banks are apparently not sending the the information. Loan Depot has cancelled the process because of this. They are trying to make it our fault, just like they tried to make the so called undisclosed properties our fault. When everything was in the income tax returns. Loan depot is holding us responsible for the unsuccessful efforts of XXXX XXXX  to attain their requested information. We have meet their requirements and just want to close the deal. The truth of what i have said can be verified by my banking institution, XXXX  XXXX, and Loan depot because every phone conversation was on a recorded line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
Once again XXXX XXXX XXXX XXXX XXXX now represented by Harmon Law PC ( attorney XXXX XXXX ) is attempting to use the name XXXX XXXX again, this time on foreclosure actions and has already been told to stop using it, and XXXX promised to stop using it!!. XXXX XXXX was on the XXXX deed as Co Joint Tenant meaning his name is removed at death which ocurred in XXXX and XXXX already has the death certificate. I am demanding Harmon Law PC and any other representative of XXXX XXXX XXXX XXXX  XXXX stop using it!! IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hi, I am a recent victim of flood damage due to hurricane florence. I submitted a claim to my insurance company. The claim was approved in a RCV amount of {$84000.00} and an ACV amount of {$75000.00}. My mortgage company ( JPMorgan Chase ) is currently holding the funds and has released {$10000.00} so far. I am to receive another {$10000.00} soon. 
My issue is that I have elected to contract myself to do the work as I am 100 % confident, knowledgeable, and able to do the work. My mortgage company has notified me that only {$20000.00} will be released until the home undergoes a 100 % completion inspection. Obviously there is no way I can repair the home with only {$20000.00}. I have called them many times and have received a different answer on this issue every time. The responses I received are as follows : * I would receive {$20000.00} first, then after I submitted documentation on the status of the repair and a 50 % completion inspection was approved I would receive another {$20000.00}. Then a completion inspection would take place and if approved they would release the rest of the claim funds. 
* I would receive {$20000.00} and no more until a completion inspection approved the release of the rest of the claim funds. 
* I would not receive any of the claim funds until the completion inspection is approved. 

I have tried to compensate for this shortfall, attempting to avoid conflict with my mortgage company, by applying for an SBA unsecured loan in the amount of {$25000.00}. I was approved but the process was halted as I have received insurance claim funds, which is a conflict of the SBA loan funds against my insurance claim funds. This situation seems to me as a deterrent in the contracting of myself to repair my home. The reason I pursue this so strongly is the availability of contractors in my area is extremely low and I wish to get my home repaired as soon as possible. I am displaced and can not afford it much longer. My intentions are only in good faith to put my life back together. I hope there is something you can do for me as I am running out of options and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TimeMark Solutions, Inc
State: MN

Complaint narrative:
In XX/XX/2018 I enrolled in a student loan repayment plan with a company called Timemark Solutions. I am a single mom with an XXXX  child and am currently pregnant so am unable to work. I owe a lot in federal student loans and spoke with this company about my issues and need to consolidate the loans. According to my monthly income they said I qualify for a $ XXXX/month payment. I was told I would first have to pay $ XXXX/month for four months for a startup fee and they said my loans would than be consolidated and they are in direct communication with Department of Education . I gave Timemark Solutions my email address and they sent me release forms to sign and fax to them. Also I gave them my XXXX XXXX Debit card info and signed up for automated withdrawls. The next month I received an email from the Department Of Education stating my owed balance is past due and to call. When I called Department Of Education they stated they never heard of this company and that I should not be paying anything at all for consolidating my loans and getting on an income driven repayment plan. They informed me it is a free service and this sounds like a scam company that does paperwork you can easily do yourself. I than completed the steps directly with Department Of Education and successfully consolidated my loans and immediately started on a {$0.00} a month payment. I called XXXX XXXX and was able to cancel automatic withdrawls from this company. It is unfortunate I already payed {$99.00} in the first place. TimeMark Solutions keeps calling an average of once a day and sending texts and emails requesting I contact their office. They threaten that my student loans aare in danger of not being consolidated and say I need to call and make my past due payment. This whole situation has caused me a lot of stress and I feel taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22 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: FL

Complaint narrative:
This bill should not have been given to me. This was fraudulent activity that was done, and billed to the incorrect person. When dealing with this before, it was removed several months ago ( {$640.00} ). Now, it is back on my credit report and this is stopping me from closing on a home. This bill does not belong to me. I am very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time. I sent multiple letters, and it was once removed from my credit report. Now, it has reappeared within the last two months. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.

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 2018-10-22 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
According to the statute of limitations in Maryland this account should not show on my credit at all. 3 years has past And the account and balance should be removed.

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 2018-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
XXXX XXXX Senior Vice President Caliber Homes Loans transfer of loan, problems, credit insurance Ref case : XXXX and XXXX Responding to a complaint. response on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and saw a late payment on the date below : XX/XX/2018 I am not sure how this has happened. I believe I made my payments to you when I got my statements. My only thought is that it must have gotten lost in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I didnt use Charges after XX/XX/2018 they are fraudulents, I didnt eat sushi nor ate food after XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22 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: CO

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.

Company response to consumer: Closed with explanation