vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 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: NV

Complaint narrative:
XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BBVA FINANCIAL CORPORATION
State: SD

Complaint narrative:
I am from South Dakota and I bought a new vehicle in Arizona, financed with BBVA Compass Bank, and they can not get me a title transfer so I can license it in XXXX XXXX. XXXX XXXX XXXX ( South Dakota ) has requested title three different times and I have called several dozen times trying to get this. I called the AZ XXXX to see if they had it on file in my name and it is but they can't release it to anyone other than BBVA Compass. This vehicle has been sitting in my garage since XX/XX/2018 and I ca n't drive it because I don't have license plates. I am tired of paying for a new vehicle I ca n't drive. 
I have read reviews on their website and apparently this is not the first time this has happened. 
Leinholder is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: AZ

Complaint narrative:
A debt that I was not aware of because I never received any letters or correspondence from the company was placed on file with the credit bureau giving a date of XX/XX/2018. Even if the debt was valid, which I'm disputing since I have not received any information on it, it would not be from XXXX of 2018. The only reason I found this debt was because I check my credit regularly. This caused my credit to decrease by almost 50 points. Since I have no information about this debt prior to this I do not believe it is valid. I also have not been in school 4 years so even if it was a valid debt which again I am disputing it would be from years ago not XXXX of 2018. This company is trying to make it seem as though I have a new debt which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I have a current mortgage loan with XXXX XXXX XXXX, loan is serviced by Loancare for a Co-op in NY. I am currently in contract for the sale of my co-op & also in a purchase contract for the purchase of a new home. Currently both files are cleared to close except for we are waiting on Loancare ( my current lender on co-op ) to produce the collateral documents needed for closing. The purchase of my new home is contingent on the sale of my co-op. I have been at Loancare 's mercy going on two months now awaiting either the closing documents needed to move forward with the sale of my co-op or for them to concede to not having the documents & provide me with an affidavit stating the documents are lost, in order for my Co-op to reissue the original collateral documents. My buyers ( for my co-op ) have already extended their rate with their bank twice ( having paid fees to do so ) & my seller for my home is threatening to pull out of deal since I have been unable to close. Between these two deals there is over {>= $1,000,000} at risk & I have no place to turn other than threaten to sue them if these deals are lost. I don't know what else to do.

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 2018-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Pacific Rim Alliance Corporation
State: WA

Complaint narrative:
I received a call this morning from a restricted number where they informed me I would be receiving a summons notice between XXXX and XXXX pm. I was given a phone number to call for information regarding the summons and a reference number. 
The number is : XXXX. The claim it is from XXXX XXXX for {$650.00}. This debt is from 12 years ago and has been paid in full. 
They asked if I would like to pay in full or dispute it. I told them I would dispute and they said a summons would be coming later in the day and than they hung up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I discovered inaccurate information when checking my annual credit report. I sent the 1st certified letter on XXXX/XXXX/208 and asked Portfolio Recovery to please validate the following information. I am not asking you to verify ( as in name, address, etc. ) being correct. I am challenging the validity of the alleged debt and am asking you to send proof that I owe Portfolo Recov I never contracted with anyone that has a 1 month term and I certainly never had an account with Portfolo Recov. Please remove the comments on this alleged account. They are no longer needed. Please provide the following information within ten days from the date of this letter sent by certified mail. 

Debt Validation : 1. Proof of ownership. 
2. Copy of statement from original creditor.

3. Copy of complete payment history starting with original creditor.

4. Copy of original signed loan agreement or credit card application.

Copy of cancelled check from myself ) to original creditor Portfolio Recovery did not provide me with the verification information where I signed a contract with their company. just copies of statements from the credit card company that charged off the initial account. 
on XX/XX/2018 I sent a 2nd certified letter formally requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. 
I received a letter on XX/XX/2018 stating that my dispute has been resolved and Portfolio would not be addressing my concerns anymore. 
Portfolio has not provided me with the appropriate verification I asked for as restated in my letter on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
I received a phone call on XX/XX/XXXX from this company Diversified Adjustment Services. The debt had already been discussed and satisfied with XXXX in XXXX. I spoke with a manager named XXXX XXXX who took care of the charges that should of never been applied in the first place and sent me a later stating my account was paid in full. Fast forward to XX/XX/XXXX, I have gotten at least 5 phone calls a day regarding a debt that does not exist. I spoke with two reps from this company. One was  decent but did not listen to me at all. Just wanted me to hand over my card for a {$3000.00} bill that does not exist. The rep I spoke to on XX/XX/XXXX was disgusting. He threatened me, insinuated I was a loser that does not pay my bills. Asked me questions that were irrelevant and threatened me with placing it on my credit and bringing up a lawsuit. I politely asked for them to cease contact while I clear it up with XXXX but he laughed at me. Mind you I am still in my 30 days to have them validate the debt per the law from the letter I mailed. I also mailed a letter to them to cease contact while I clear it up with XXXX which I am in the process of doing, but their harrassing phone calls multiple times a day to their nasty treatment and threatening words are out of control and clearly against the law. Help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : Santander Bank thinks I owe them 2 payments ( which were paid through bankruptcy discharge ) Upon selling my loan to XXXX, payments were fraudulently applied to make loan current and now XXXX says I am one payment behind. Proof can be found by ordering a payment history on the mortgage servicers end. Negative reporting must stop immediately and my account needs to be corrected. I am not missing any payments. Late fees need to be reversed and correction of payments made. Thank you. 

Facts of the issue : *Bankruptcy filed XX/XX/XXXX case number XXXX *XXXX XXXX   claimed XXXX through the bankruptcy and was paid XXXX by XXXX XXXX, trustee . No late fees incur for 2 years because they know its related to bankruptcy. 

*Bankruptcy discharged on XX/XX/XXXX *Mortgage Statement dated XX/XX/XXXX states I owe Santander Bank XXXX . I order payment history, and write letter after receiving it which showed me as current and never missing a payment. I demanded a review, correction and removal of negative reporting. Written request went ignored. 

*Santander applies a payment to make loan current XX/XX/XXXX in order to sell the loan to XXXX . I am now incurring 2 months of late charges and am being reported as late when I am not. 

They have ignored my 2 prior requests vie mail to resolve this and have also given me the runaround via telephone for 2 years.

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 2018-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United Acceptance Inc.
State: MO

Complaint narrative:
A woman name XXXX called from ( XXXX ) XXXX and left a voicemail stating she is going to put a hold on my bank account, tax return and my properties. She didn't explain anything other than what was said before and that I should call her at ( XXXX ) XXXX. When I called the number she stated I owed over {$16000.00} for a XXXX XXXX which was repossessed that I owe a balance on. The vehicle was never repossessed and I never received anything in writing or mail from United Acceptance ( car loan company that XXXX XXXX in XXXX, mo sold loan too ) stating they were filing a suit or anything. I don't like being threatened or left threatening incomplete messages and would like for the calls to stop. They have my address so they should mail paperwork to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I admit. I made a late payment to Ford Motor Credit for XXXX and XX/XX/2017. I paid in full though the amount owed plus the late payment penalties and have had my account in good standing since. Ford Motor Credit reported these late payments to the credit bureau and I have no way to contact anyone with Ford Motor Credit to come to a resolution. I can only write a letter. No one contacted me Ford Motor Credit to make me aware of the report either.

Also. One reason for the Second late Payment was, I paid online for the XXXX late payment and it was scheduled and so therefore I would have to cancel it to make the XXXX payment. 
The reason for the late payment was due to a personal issue during which time I had to make some tough financial decisions. I overcame those issues to get my account current only to have Ford Motor Credit give reports on late payments on an account that is current 8 months later. 
Now I am trying to get a mortgage on a home and Ford Motor Credits dated faulty report is hurting especially with XXXX and I have no one to contact with FMC to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Midland Funding, as shown on my 3 credit reports, is showing incorrect information.

Basis for the dispute : 1. The type of account is listed as OPEN " Installment '' or " Other Accounts ''. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current.

( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is {$7000.00} and the account is listed as " seriously past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score.

Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as of May 2014 as Midland is not a creditor and I do not have any installment agreement with Midland.

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I purchased an XXXX XXXX from XXXX XXXX, XXXX, Minnesota, a couple of months ago and have had Nothing but problems with XXXX XXXX being very dishonest about the vehicle condition as well Westlake Financial Services who have a contract with this dishonest dealership. 


Westlake Financial concerns to date : Employees allowing someone else 's payments to apply to my loan, No willingness from Westlake employees to remedy the situation, therefore blocking my ability to make the timely payment. 


Westlake, Dealer Compliance, XXXX and his supervisor, " investigating '' XXXX for miss-representing my vehicle, with XXXX and XXXX, XXXX, working together in an attempt to Keep my XXXX down payment ....!!!, while siding with XXXX XXXX, stating that it was an " as is, used vehicle. '' Even after I explained over and over again, that XXXX misrepresented the vehicle over and over again, via phone calls, live video, mechanics comments, car wash that showed no leaks, no oil or fluid changes, etc. yet XXXX stated the vehicle had been fully serviced, and stated over and over again that this vehicle had no problems. 


Only to find out, through certified dealerships, to date, problems with : 3 broken bolts in the exhaust system, both manifolds were cracked, top leaked, and stereo now does not work due to the leaky top or roof. These repairs, to date, have cost over {$4000.00} ... 


Last ThursdayXXXX Westlake XXXX XXXX, XXXX and his supervisor, told me that my title was ready and waiting at my local XXXX, located in XXXX XXXX, Nebraska. Upon arrival at my XXXX, I was told that I not only do they not have the title to my fully paid off XXXX, also Westlake has a lien on it. 


XXXX plus calls to Westlake, with XXXX assistance. I feel that this alliance between XXXX and Westlake is deadly, and is taking advantage of a vulnerable population. 


Any assistance you could offer here would be greatly appreciated.

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 2018-07-09 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: UT

Complaint narrative:
I've request Transunion to remove inaccurate inquiries on my credit report and they have not done so. 

The following inquiries I've request to be removed due to inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/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 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have several complaints. The first being I was told I could forebear my loans during my husbands XXXX. When the loans came due they DOUBLED In price. I now owe more than {$98000.00} and only took out {$42000.00}. 

Second, I have been paying for years in an approved program to have my loans forgiven ( as both my husband and I work in public service ) to talk to them recently and be told I wasn't in the RIGHT program for forgiveness!! 

We pay almost {$1000.00} a month in payments and our loan is growing still. We have a XXXX XXXX XXXX about to go to college and still are paying on ours-and have been for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CA

Complaint narrative:
Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) B Class, EV from XXXX ( XXXX ) : 1 ) XXXX attempted to charge {$600.00} maintanance fees during lease at service. 
REFUSED to pay. 
2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX Class cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised XXXX Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from XXXX statment, owed for 2 tires and end of lease cost, total $ XXXX+. 
5 ) Phone call to XXXX XXXX Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with XXXX Mgr who sent another statement 2 tires removed XXXX XXXX added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay. 
6 ) XXXX XXXX XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days. 
7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from XXXX Manager not received.

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I opened a complaint via the CFPB portal to Experian. This is regarding complaint ID # XXXX. Experian closed the account without addressing the specifics of my issue and complaints. The company continues to respond with what seems to be automated or pre-made responses. 

In the complaint with ID # XXXX, Experian states " The data furnisher responded and verified that the disputed information was accurate as reported. ''

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