vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-10 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: FL

Complaint narrative:
I am filing this complaint because Equifax and XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : XXXX XXXX PAYMENT PLAN ) XXXX, ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10 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: FL

Complaint narrative:
I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-10 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: FL

Complaint narrative:
I am filing this complaint because XXXX and Transunion did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : 06 XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 10 XXXX 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 2019-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have found incorrect addresses and account details on my credit report. I would like to dispute this information and have it deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I am in the beginning of a medical malpractice case with mediation in process. Part of the case was charged for medical bills for the initial XXXX that severed my XXXX and the 8 months of ongoing procedures, hospital stays, XXXX, doctors visits, etc. The hospital sent all medical bills to collections which I paid to avoid further injury from the malpractice on XX/XX/2018. I received another debt collection letter on XX/XX/2018 for the amount of {$3300.00}. All of which had been paid for previously for every date listed and every amount listed. I have the credit cards receipts as well as the payment confirmation from the website in the form of screenshots. 
I am not allowed, by law, to contact the hospital with anything including my case and this is part of it. I feel threatened and intimidated now. That debt was paid even though it shouldve been held once the proceedings of mediation were initiated. I will not have my tax refund or home etc be threatened over a best firstly in the process of litigation and secondary one that has been paid in full. The hospital in question that is violating my rights by sending the debt is XXXX XXXX XXXX XXXX of XXXX XXXX, WI. The State Collection Agency violating my rights is State Collection Services Inc. XXXX , WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have student loans with Navient and was unable to make payments and I tried for weeks now to log in to my account and page not located. On XX/XX/2019, I requested a General Forbearance Request. I  have a true and correct copy of said document I just cant get file to upload. I still haven't received any email or telephone calls from said company. This company is threatening my default of my loan and free my bank accounts and take my tax refund. I had several hardships last year ie the XXXX, weeding, death of my grandson and was scammed by XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. I want to make said payments just need time to get my finances back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: BB&T CORPORATION
State: TX

Complaint narrative:
I contacted Regional Acceptance and XXXX back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to Regional Acceptance that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. Regional Acceptance has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: TX

Complaint narrative:
I contacted XXXX XXXX and Experian back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to XXXX   XXXX  that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. XXXX XXXX has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have found incorrect addresses and account details on my credit report. I would like to dispute this information and have it deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10 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: OH

Complaint narrative:
I have noticed errors on my credit report and would like for them to be updated and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to let me file disputes online or access my credit report online. 
I have been paying for Experian credit report monthly for 2 years and still since XXXX of 2018 they have REFUSED to let me have access to my updated credit report online and they REFUSE to let me file disputes online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I have a serious complaint against GM Financial. My GM Account Number is XXXX. This complaint begins with the derogatory credit reporting of my XX/XX/2019 payment. 

I scheduled a payment on or around the XX/XX/2019. I  called GM Financial between the timeframes of XXXX  XXXX-XX/XX/2019, and there was no indication that there was a problem with the processing of the XX/XX/2019 payment. 

I received a called from GM Financial 's automated system on Monday the XX/XX/2019. I immediately returned the call. I reached a representative and from the beginning of the conversation the representative was clueless about the call from GM Financial. 

I advised the representative that I just received a call from the automated system. After a few minutes, the representative asked about the two payments that were past due. I advised the representative that I received a confirmation email that XXXX 's payment is confirmed. Letter from GM Financial was emailed to me on the XX/XX/2019 which provided Confirmation # XXXX dated XX/XX/2019. The letter even stated that no further action is required regarding this payment. 

There was no indication from GM Financial at the timeframes that I called indicating that there was a problem with processing XXXX 's payment. When I called, the representative advised me that the checking account number entered was incorrect. I entered the correct checking account number. There was no information from XXXX XXXX stating account number was incorrect. 

I did reach out to XXXX, but I did not feel that it was their error because I received a confirmation of payment received. I want my credit reporting corrected for the month of XX/XX/2019 because I made the payment on time. The support of my honesty is that I made the payment as soon as I arrived home on the XX/XX/2019.

Additionally, when I called to make the payment by phone before the XX/XX/2019, there is no specific information that was given in regards to charges for the online payment. I was advised at different times previously before this situation that there was a charge for web payments, and there is a charge via the automated system. 

The payment that was processed for me on the XX/XX/2019 was no charge. I used my debit card for this payment. Now if I would have known that there would be no charge for the online payment via debit card, this situation would not have happened I am looking forward to hearing from you in regards to the correction of my derogatory credit reporting for XX/XX/2019 by GM Financial. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX for my credit card account, offering me 0 % interest and 0 % transfer fee for any purchase using the promotional checks sent to me in the offer packet. 
On XX/XX/XXXX, I used a promotional check written for a total of {$6200.00}. 
Since then, I have contacted XXXX numerous times via their messaging application on my account to ask why I am being charged two interest charges each month on my statement. 
One entry shows interest on purchases, and the second entry shows interest on cash advances. The cash advance interest is always {$10.00}. 
The promotion check I used did not specify that it would be categorized as a cash advance. 
In my XXXX message to XXXX, I explained that I need a comprehensive explanation for the fees, and that I am considering filing a complaint with CFPB. 
I received a call on Sunday morning, XXXX, from XXXX, saying they had made a mistake in printing the promotional checks and that I would be refunded the {$3.00} transfer fee, but no interest would be refunded to me. 
I used the promotional check because the offer stated that I would have 0 % interest for 12 months. 
Since then, I have paid off the balance of both the promotional check and the purchases, but I am unhappy that the promotional check was charged interest as a cash advance when the offer stated the promotional checks would would be interest free for one year. 
XXXX claims they have corrected their error by refunding to me the {$3.00} transfer fee. 
I would like all the interest I paid on the promotional check/ '' cash advance '' refunded to me, which totals {$250.00}, or {$10.00} for 24 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received a vehicle loan from navy federal credit union and after I got the loan all my payments were made on time but then I got a letter from navy federal credit union stating that the title was in my name without a lien holder which I didn't know, so then they started threatening to change the loan to a signature loan and raise the payments if I didn't sign the title and send it to them, so being in good faith I signed the title and mailed it back and they raised my payments anyways from XXXX to XXXX which is not the agreed upon amount that I signed and agreed too. I went as far as to tell them to come and get their property numerous times and in return they told me no they won't come and get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: MA

Complaint narrative:
1. Company ( XXXX XXXX XXXX ) charging that moneys are owed for services from 2018 membership after I told their staff that I would not be returning due to illness problems. 
2. Lawyers ( Aldous & Associates ) representing Company ( XXXX XXXX XXXX ) sent me a letter which i returned a letter disputing the charges owed which I disputed back in XXXX 2018 and they never responded to my letter request. 
3. Being harassed by weekly and sometimes daily phone messages. 
4. The amount their trying to collect represents a $ 10/month membership charge and I believe a $ 50 yearly fee which I never used their facility after cancelling my membership at their front desk. This was the only way I new how to cancel a membership as there is no written or verbal information give to me on how to cancel a membership. 
5. It appears to me like extortion on a XXXX citizen. They put a derogatory charge on my credit report but I'm not giving in to their ways and I'm hoping that your agency can put an end to this ongoing problem. Its not the money as much as the way they do business. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services Tried to harass and force to pay so much out of me that I'm a senior citizen. I cant afford to pay or pay through a job because I've been retired since XX/XX/XXXX! They jump or raise the payments for a long time. I have stopped making the payments through one of your suggested representatives since XXXX of last year. Here are the dates, amounts, and actions I've taken since my retirement. 

CURRENT LOAN TERMAS Interest Rate : 3.12500 P & I Payment : {$540.00} Escrow Payment : {$200.00} Total Monthly Payment : {$750.00} Principle Balance : {$140000.00} **Prior Deferred Balance : {$64000.00} Total Principal Balance : {$200000.00} MODIFIED LOAN TERMS Interest Rate : 4.62500 P & I Payment : {$670.00} *Escrow Payment : {$170.00} Total Monthly Payment : {$850.00} 1st Monthly Payment Due Date : XX/XX/XXXX Unpaid Amounts : {$3200.00} Modified Balance : {$140000.00} New Deferred Principal Balance : {$0.00} Total Deferred Principal Balance : {$64000.00} New Principal Balance : {$210000.00} Balloon Payment : {$170000.00} I have stopped payments since XXXX and received my first NOTICE OF INTENT TO FORCLOSURE letter on XX/XX/XXXX. I have to pay the new amount of {$3300.00} within 35 of this letter, otherwise I'll be scoundrelly held for eviction. I've even asked my neighbor for help, which, bless her heart never knew, she would be willing to do it, but I refused to accept it since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, When I paid my XXXX 's account balance I believed I was paying it in full. Somehow {$2.00} worth of interest reported late. This late payment for {$2.00} of interest that was not shown when I made my payment dropped my credit score over 100 points. I am currently trying to get a new car and this is effecting my interest rate. Can you all please have this removed from my report? 

Account Number : XXXX XXXX XXXX XXXX Sincerely, 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 2019-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my XXXX XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then transunion added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10 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: BANK OF THE WEST
State: CA

Complaint narrative:
Hi, I went to XXXX Dealership in XXXX, just for a test drive ; I had a thought of buying and I asked to present a financial options ; First, they made us wait for 40 minutes ; They presented the offer ; I said thank you and said that I would come back. The manager came over ( XXXX ) and said that they have a great deal for me. They presented a discount and asked if I have a car to trade in. 

I did have a car to trade in but I didn't think of trading it at that moment. 
I gave out specifications as I remembered them, and they immediately stated that they will give us a high price for the vehicle. They DIDN'T SEE THE VEHICLE! They told me and my wife that they are willing to take a risk and if they lose ( trade-in value was estimated {$6500.00} ) then they will lose {$6500.00}. We told us that we are going to bring the vehicle and trade that in since I didn't remember specifications ( I have several cars, XXXX XXXX & XXXX ). 

I mentioned that I do not remember the vehicle specifications but they promised to take the car for a trade in value NO MATTER WHAT! 

Well, we got into a deal. Everything was great, up until the moment, they sent a girl with us to pick up the car that we were trading in. We already had the papers for the XXXX, we drove the XXXX Home but then got the papers for the trade in the car and that car they promised to take at their own risk no matter what, they Didn't accept the car. 

It results in getting us into a loan which at this point it doesn't exist because they didn't take our trade in the car. It results in tremendous credit score lose ( 54 points/ 3 hard inquiries ). XXXX TOLD me that their dealership is not doing HARD INQUIRES as other dealerships are doing. It was our MAIN CONCERN!  XXXX told us and reassured us multiple times that they ARE DIFFERENT and those inquire are not going to affect my credit score! IT WAS NOT TRUE! He did tell me that that loan won't affect my credit score that tremendously! 

The deal got withdrawn, my credit score fell That is completely unprofessional and completely false information given! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( 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