vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: GA

Complaint narrative:
My account with XXXX was included in a recent bankruptcy proceeding. Due to the fact that I wanted to keep the vehicle I have continued to pay. Recently when contacting XXXX for a payout, I was told that {$1400.00} was remaining on the loan and the estimated maturity date was XX/XX/2020. These totals don't add up, if the account is estimated to mature ( meaning done with payments/loan obligation ) than the amount should be {$940.00}. This was the exact arrangement discussed between XXXX and my attorney upon reaffirmation of the debt. 

After speaking with a representative today, I was told that they don't know when I will be paid out from this account and they couldn't give me an exact maturity date due to fees and other reasons on the account. 

I feel like since this account was included in my bankruptcy proceedings and I chose to keep the vehicle ( for the record, this account was in good standing prior to the bankruptcy proceeding ) I am being scammed with fees and additional money to extend the maturity date. I feel they are aware the repercussions if I do not continue to make this obligation and the effects it would have on my credit after the bankruptcy. I feel like this is a shark way and they continue to manipulate people with fees based on their circumstances. It is predatory lending at it's finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After I received this loan, once I tried to view the billing statement I have no ability to see my balance, interest, payoff criteria, nor any other pertinent data regarding the financial account of this loan. I have no ability to ensure that I am not being overcharged nor payoff or transferring this loan to another provider.

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 2020-06-10 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They have my worng persoanl information reporting

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 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, Citizens Bank reported my auto loan 30 days late. In XX/XX/XXXXwe applied for a 3 payment  deferment because of Covid-19 and was approved. My job closed on XX/XX/XXXX and The 3 months covered were XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX with our next payment being XX/XX/XXXX. 
I contacted Citizens bank on XX/XX/XXXX by phone and a faxed request when I was informed that my credit had dropped by 90pts. The representative at the time said it would be corrected by the following Friday XX/XX/XXXX. I called in and no one could find my request and there were no notes in the system. i refaxed the same request and was told it could take a few days. I called today, XX/XX/XXXX and now the supervisor tells me it would take 30 days and the notes state that its only being reviewed. 

I would just like my account and credit score corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I have submitted complaints to Experian regarding an entry on my credit report that is incorrect, as well as violations of the UCC and FCRA Regulation Z. Experian did not investigate my issues, did not provide me with any proof how they investigated them, merely stated that the entry was verified. 
I did not request that it be verified. I requested VALIDATION. In order to validate they would have to investigated and require proof from the company that is reporting. They did not. So now I believe Experian is now in violation as well. 
I tried to resolve this myself, and all I received was a phonecall from the company, when I requested resolution in writing. 
I discharge the amount owed on the account XX/XX/2018 and have proof I did. Not only did they not remove the item from my credit report, but there is still an open lawsuit which they refuse to move forward on, leaving my life and finances in limbo. 
They refuse to help me, they refuse to INVESTIGATE, I believe because the creditor is their customer, I am not. This is against my rights in disputing errors.

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 2020-06-10 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: MI

Complaint narrative:
Update to Complaint # XXXX Received this letter by XXXX from XXXX XXXX on XXXX, also received a call from the representative that this may take up to 90 days for " Forbearance '' to be removed from my credit report. 

My mortgage is paid in full, including the two month " grace period '' XXXX XXXX offered. 

The Original Complaint # XXXX submited XX/XX/2020 I hold a home mortgage with XXXX XXXX, and they have been on autopay up until XX/XX/2020. XXXX XXXX offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or lending institutions did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
They have my worng persoanl information reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
They have my worng persoanl information reporting

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 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Wrongful collection filled behalf of XXXX even though my account were paid in full I have called XXXX and there were no balance ( {$0.00} ) due nor they hired I C System to collect the debt on my account. I C System illegally reporting collection in m y credit report. I C System representative XXXX XXXX refused verify my dispute with XXXX XXXX  account XXXX account paid in full and still they are reporting collection in my credit report My Direct phone XXXX My XXXX account # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient is practicing fraudulent and deceptive practices with its student loan repayment processing. When attempting to repay student loans Navient calculates the amount due three ways ( 1 ) Total Amount Due ( 2 ) Current Amount Due and ( 3 ) Unpaid Fees. Navient has two options to repay those amounts ( 1 ) Quick Pay which is the Total Amount Due OR ( 2 ) Custom Pay which allows you to manually input payment amounts totaling the Total Amount Due. However, this is a fraudulent and deceptive practice because the Borrower is forced to pay the Total Amount Due regardless of intention or desire. The Borrower can not pay the Current Amount Due or Unpaid Fees as the system would suggest. ( See attachment for clarity ) Further, when attempting to complete a Custom Pay Navient forces the Borrower to pay the Total Payment Due ( rather than the Current Amount Due ). The repayment tool does NOT allow the Borrower to pay the Current Amount Due.

The fraudulent and deceptive practice becomes even more apparent when attempting to make a payment to Unpaid Fees. When selecting to make a payment of Unpaid Fees the tool calculates the Unpaid Fee amount and submit that payment amount toward interest and principal, NOT toward the Unpaid Fees as the system indicates. Thus, the Borrower CAN NOT pay the Current Amount OR Unpaid Fee Amount. 

In this case, the unpaid fees occurred in XX/XX/2012. Thus, Navient has been calculating and receiving an additional {$81.00} per month and allocating it toward principal. Borrowers under IBR plans have been paying, and Navient has been receiving, amounts that are more than required under law. 
It took me 8 years before I figured this deception out. I am sure hundreds of other Borrowers are incurring the same fraud and deception as I have, costing them hundreds and thousands of dollars per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TN

Complaint narrative:
I have 2 inquiries on my Experian and XXXX reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and XXXX  XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: PA

Complaint narrative:
Chapter XXXX Bankruptcy : Bankruptcy ( Never filed, this is an error ) XXXX  XXXX  XXXX  ( Never had a repossession ) {$7700.00} XXXX  XXXX  XXXX  ( Never late on any of these loans ) Reported : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX   XXXX  Reported : XX/XX/XXXX {$0.00} XXXX  XXXX  XXXX  Reported : XX/XX/XXXX {$0.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed or correctedimmediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

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 2020-06-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
If I am not mistaken there is Student Loan forgiveness every where due to Covid. However Navient has ramped up the calls within the past month. They call at least 7 times daily. All from different numbers. I have blocked the majority of them. But this loan company is absurd. I have filed a complaint on this website previously on them and the calls ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I contacted Midland Funding on XX/XX/XXXX at XXXX. I was refused a verification/validation letter by XXXX XXXX. He continued to ask if a lawyer was working with me on thw debt and refused to send the letter several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: PA

Complaint narrative:
XXXX XXXX XXXX  ( Paid in Full ) Reported : XX/XX/XXXX {$7700.00} XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX( Never Late ) Reported : XXXX. XXXX, XXXX {$0.00} Individual : Bankruptcy ( Never Filed this ) XXXX XXXX, XXXX {$0.00} Discharged CH-XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: LA

Complaint narrative:
I've contacted Experian, XXXX  and XXXX  on XX/XX/2020 reference to an inaccurate/erroneous item on my credit file that was being reported illegally. In XX/XX/2020 Experian and XXXX  contacted me stating that they have completed their investigation and the item was not deleted as requested by me but instead updated. Based on FCRA 611 ( a ) ( 2 ) ( B ), They are required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. I did not receive such information none of the bureaus used for their investigation as required by FCRA 611 ( a ) ( 7 ). I made a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by each bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with in XX/XX/2020. Instead of being deleted as requested the item was marked updated and in fact wasn't updated at all as the account is stating opened reporting negatively when I have documentation showing the account is actually paid in full and closed. I am requesting the item to be deleted from all three credit bureaus for I've had the same investigation issues with all three. Due to lack of investigations not being done properly. I have made several attempts to work with all three credit bureaus even the account creditor XXXX whom i am a victim of their current settled suit due to inaccurate credit reporting. XXXX instructed me to call each bureau to dispute the account to remove it but Experian failed to investigate properly under FCRA 611 ( a )  same as XXXX  and 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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Over the course of two weeks I sent money to a unit manager who was renting an apartment in DC through XXXX. I was sent a renter 's application and lease. These forms seemed legitimate and I went ahead and signed the lease. This decision was made without seeing the apartment because of the stay-at-home ordinance placed due to COVID-19. After receiving the signed lease, the unit XXXX requested wire transfers for the cost of rent, deposit, and renter 's insurance. The total amount of money sent was {$11000.00} and was sent to two accounts, one with XXXX  XXXX XXXX and a second with XXXX XXXX. After receiving the payments the unit manager requested additional payment for rent. When I requested to speak over the phone regarding the latest request, they no longer responded. I found a phone number listed under their name online and called to find the unit manager was impersonating the unit manager of the apartment. I realized I was scammed and immediately reached out to the local police department to file a report. I reached out to Wells Fargo to file a claim. Wells Fargo has since denied my claim and I am waiting for the resolution of the police investigation.

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