vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased a  XXXX   XXXX   XXXX  with my brother ( co-applicant ) through GMAC in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  GMAC and  the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   ) . Initial ly there were  XXXX  30 day lates,  XXXX  reported on  XXXX   XXXX  and the other in  XXXX   XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  XXXX  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on  XXXX   XXXX ,  XXXX  so how can we have a 30 day late on our credit report for  XXXX   XXXX  &  XXXX   XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XXXX   XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.

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 2017-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX , Experian,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed.  XXXX  has verified it and removed both from my credit but  XXXX  and Experian still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.

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 2017-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed. Equifax has verified it and removed both from my credit but  XXXX  and  XXXX  still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: GA

Complaint narrative:
I tried disputing with Equifax  & h ad trouble verifying due to fraudulent info & I also called  XXXX  & spoke with a rep on last week & was informed that nothing can be removed. I actually tried to identify my information multiple times online & was denied because people have fraudulently used my information. I have had the VA contact me & other companies due to breeches in their systems toget protection. I notified them of unauthorized inquiries & also that since  2011 som eone has gotten school loans in my name. It is affecting my credit as well. There were also multiple inquires from car lots not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Machol & Johannes, LLC
State: OR

Complaint narrative:
On  XXXX   XXXX , I received a letter fro m Machol & Johnson LLC, Atto rneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX , Co  XXXX . It informed me that they were acting on behalf of  XXXX   XXXX   XXXX  and that I owed their client {$5700.00}.   On  XXXX / XXXX / 2017 , I responded with a certified letter exercising my rights under the FDCPA and Oregon  State law.  I did not admit that I owed the money and my income and property are exempt from sale or garnishment. I requested that they stop contacting me about this matter. This letter was received b y M & J, Attorneys o n  XXXX / XXXX / 2017 .   On  XXXX / XXXX / 2017 , I received a letter fro m M & J, Attorneys sending me verification of the above referenced debt. The letter stated : " Pursuant to your request for verification of the above-referenced debt, we provide the following information from our client : '' At NO time did I request any information from M & J At torneys.   Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  XXXX  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  XXXX  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on 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 2017-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have made all payments on time since I leased the vehicle in  XX/XX/XXXX . I made a payment in  XX/XX/XXXX  that they did not credit to my account. I have faxed them proof of the payment and also submitted proof of payment on a prior CFPB complaint which shows as closed because GM Financial responded to it. Although they responded, they did nothing to track down the payment. They cashed the payment immediately upon receipt, but as of  XX/XX/XXXX  no payment is credited to my acccount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a complaint regarding an unethical mortgage SHELLPOINT MORTGAGE SERVICING. THE COMPANY HAS LIED AND FAILED TO OPT IN TO ACCEPT THE HELP OFFERED FROM KEEP MY HOME CALIF. the company shrllpoint single point of contact is a scam and fraud for 8 months he never returned any phone calls Everytime we call he has answering service never a live person we emailed and faxed the loan modification documents 17 times but shellpoint XXXX XXXX AND XXXX XXXX HAVE DONE NOTHING TO HELP no loan mod no principal reduction nothing. Once we were working with keep my home calif we informed the SHELLPOINT PHONE REPS AND EVENTUALLY ONXX/XX/XXXX we received the attached Notice of approval pending a loan modification from Shellpoint. Shellpoint point repeatedly lied stating they would wait and accept keep my home California program for principal reduction and loan mod but once the notice was issue shellpont has been u ethical when we call they lie and say they never heard from keep my home Calif at all. Now we know this is FALSE as SHELLPOINT INTENTIONALLY MAIKED A LETTER ON XX/XX/XXXX MAKING SURE IT WOULD NOT BE RECEIVED UNTIL XX/XX/XXXX AFTER THE XXXX XXXX XXXX AND THE LETTER BULLY THREATEN US TO MAKE 3 TRIAL PAYMENTS OF {$2400.00} a month when our income is only {$500.00} a week. The payments are NOT Affordable AND THE LETTER SAYS WE HAVE TP MAKE A Down Payment BY XX/XX/XXXX OF {$2400.00} or SHELLPOINT WILL FORECLOSE. XXXX XXXX AND XXXX XXXX HAVE NO ETHICS AND NO MORALS. THEY HAVE FAILED TO ACCEPT THE KEEP MY HOME CALIF PROGRAM TO BRING OUR UNDERWATER UPSIDE DOWN MORTGAGE CURRENT. They DO NOT TRY TO HELP HOMEOWNERS. SHELLPOINT IS ENGAGED IN Unethical ACTIVITY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: HCFS Healthcare Financial Services of TeamHealth
State: MD

Complaint narrative:
There are XXXX medical bills listed on my credit report that do not belong to me that I have no responsibility for. I have disputed this information with the credit bureaus and the collection agency to no avail. This incorrect information remains on my credit file

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 2017-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This account was written off fro m Ally Financial ...  It needs to be removed from all  XXXX  of my credit reporting bureaus.

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 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I made a complaint against this company on or about  XXXX   XXXX ,  2017  with regard to my  XXXX  bill. On that same date they responded through this portal with a response and a name of an individual with whom I was supposed to contact to have this debt resolved. Thereafter, on  XXXX   XXXX ,  2017 , I sent a letter to the FCC,  XXXX   XXXX  as well as Convergent advising them that the name and number of the person that Convergent requested for me to speak with NEVER called me back and that I NEVER spoke with her.   Thereafter, I was in contact with someone from  XXXX  Headquaters via email and telephone to advise her tha t Convergent  has not called me to rectify this debt. When the  XXXX   XXXX  called  Convergent,  they lied stating that they have called me and left me several messages which they had not. I forwarded the  XXXX   XXXX  my call logs as well as voicemails. Thereafter, after approximately  2 w eeks of back and forth with the  XXXX   XXXX  I requested if I could pay my debt directly through  XXXX , which I did on  XXXX   XXXX ,  2017 .   Please also note, that I checked my credit report yesterday a nd Convergent report ed this debt as not being paid or disputed on  XXXX   XXXX ,    2017  when they knew and had knowledge of the fact that I was calling them to rectify this matter.   I would like to information on how to sue this company.

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 2017-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC
State: NY

Complaint narrative:
I received a phone call on my cell phone from  XXXX  at   XXXX   XXXX    on  XX/XX/2017 . They stated I had a debt and they were having me served for non payment. They said if I got served at home I needed to present them with 2 pieces of id, but if they served me at my job they would make my supervisor and make them aware of what I owe. The left the number   XXXX   XXXX   file #  XXXX . When I called back the person hung up when I asked name of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hanna Holdings Inc
State: PA

Complaint narrative:
Howard Hanna mo rtgage wanted me to close  XXXX  credit cards and pay them in full at  XXXX  bank and give proof that it occurred. They did n't specify how the proof was needed.   XXXX   credit cards were paid in full and closed prior to closing however the mortgage company then further detailed that the credit card company had to email me a letter stating that this occurred. That was against the guidelines of the card company. They would only send a letter which could take weeks that stated that the account was closed. I pleaded with them but they would not budge. They did agree to verbally explain that they were paid and closed but the mortgage company would not allow that to happen. I 've tried to explain that they are requiring me to provide something that can not be provided. I now worry that the loan will not close because of this and I wo n't get the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
These problems are wit h Jared The Galleria O f Jewelry.  <P/> First, when I applied for the credit account, I was told the credit check would be a soft hit. It was a hard hit. They lied.  <P/> Second, I have received no information about how to pay down my account. Logging into their website and clicking on  " My Jared Card '' brings me to a page with recent orders, nothing to do with the credit account. When I contacted Jared via chat, I was told my address in their system was incorrect and they needed my birthdate to verify. When I provided my birthdate, I was told the date was incorrect as well. I was then told I needed to fax my state ID card to them. This is 2017, I do n't know where a fax machine would be, or how to use one. Additionally, I was told I needed to provide my account number when I faxed them. Trouble is, I do not know my account number and they wo n't give it to me since the information they have on my account is incorrect.  This is a circle of illogic.  <P/> I was also told I could visit my nearest store. The nearest store is prohibitively far away for such a trivial matter.  <P/> Finally, when calling their  XXXX  number, t  he automated system keeps saying " Sorry I did n't get that '' and will not connect me to a human.
<P/>
Jared messed up and now they are preventing   me from paying my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I recently settled an old balance I had with  XXXX   XXXX . Nea rly two months have passed, and they have yet to update the account properly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This company has placed a collection on all of my credit reports illegally. they have never served me with proper notices and have obsessively contacted me and annoyed me to no end regarding an unseen amount I owed to nationwide insurance. I told them I settled this debt and I had no responsibilities towards this any longer. I was told over and over again th at YES this amount was closed with the original company and that they would stop calling and harassing me. Now, I just checked my credit score to  see that they have placed a derogatory account over this small ridiculous sum on my  XXXX  credit reports and it has dropped my score over a  XXXX  points and I am devastated. They have no right to harass me and annoy me and try to collect a debt I had no idea about nor was I properly informed of. These people ruin lives and its not fair

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried 7 ti  mes to obtain a loan modification for my Citimortgage loan and was declined time and again until the last attempt. When I read the " fine print '' buried in the agreement I discovered that there was no actual relief granted to me. All the bank did was defer a portion of my balance so that I would have a nearly {$250000.00} balloon payment in 15 years.
<P/>
I 've enclosed a copy of the letter I recently sent to Citibank by certified mail demanding a recasting of the terms of my mortgage because of the mistreatment I received during my countless efforts to get mortgage relief. My letter was ignored by Citibank.

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 2017-06-01 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: NY

Complaint narrative:
After repeated requests not to do this because my U.S.P.S. mail is not secure, Equifax, sent me a credit file :  XXXX   XXXX ,  2017  ; Confirmation :  XXXX  with ALL my private information fully exposed : name, social security, date of birth and home address. I complained about this issue but Equifax seemed to care less, therefore, I am forced to complain to CFPB to make sure it never happens again. This is a very serious issue when every major financial institution know otherwise including   XXXX   and  XXXX , Equifax does the exact opposite. This kind of reckless behavior is why financial c rimes against U.S. consumers are on the uptick.

Company response to consumer: Closed with explanation