vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial Inc. 

Background I have a lease with GM Financial. GM Financial uses XXXX XXXX as their payment service. I setup automated payments via XXXX XXXX at lease inception. I was unaware that automated payments automatically ended after a 2 year time frame. I was subsequently late on my GM Financial lease. 

Issue At time of lease, I setup a user profile on GM Financial website with all of my current phone, email, address information, re-updated when I moved as well. When lease was taken, salesperson copied all my contact info from a prior lease and I signed, not reviewing my phone number. 

When my auto payment was stopped, I was not informed by either phone, email, or mail. When my account went late, I was not informed by either phone, email, or mail. GM Said they called my phone number on my original credit application, not the phone number on my online account with them. They said the collection department and online accounts don't link.

What is happening with this type of non-communication.

The only reason I found out that I was late was because I applied for a mortgage and the lender informed me as such. If I didn't run my credit, I would of found out when a repo truck pulled in front of my house to take my vehicle. GM goes out of their way not to inform people when payment processes change, or even when they are late. They do this so they can increase income via late fees and eventually repo the cars for non payment. 

This is predatory lending at it's definition. 

To summarize. I have made payments online for 2 years via auto-pay on time. My auto pay cancelled without me knowing. GM Financial failed to contact me. I went late, GM financial failed to contact me with information that they have had in their systems. I would of never found out unless I ran my credit. 

I can only imagine the type of negative impacts this is having in communities that are less fortunate. Excessive fees added into balances can cause people to default. This has to be stopped. GM Financial has to make all efforts to inform their customers when a payment goes late. 

These types of actions are decimating the lower income communities by charging more fees and hurting credit so borrowers have increased costs on future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Equitable Acceptance Corp
State: NY

Complaint narrative:
I was mislead to get into a student loan consolidation for lower payments. Ive recently been advised by the Dept. of Education that they are fraudulent. 
I tried to cancel whatever agreement we had and told them I reported them, that company ( I cant remember the name ) then went under for legal reasons, so the finance company in charge ( Equitable Accpetance-whom the claim is about ), sent my file to a trusted consolidation company to take over consolidation. I stated I tried to cancel while speaking to customer service at Equitable Acceptance and they did not want to hear it they just wanted their money and then told me they were filing it as past due and refusal to pay. Now Im receiving bills and past due alerts on my credit report. I never signed anything, just a verbal agreement to pay a small fee per month for consolidation. I believe I am Being taken full advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: FL

Complaint narrative:
I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Upon contacting customer service, I was told that the reason my monthly rate had suddenly doubled was that my income had been reassessed and now I had a new monthly payment. However, even though my income did not change appreciably my payment was now twice what it was before ( {$200.00} vs {$100.00} ). I am of the opinion that the IRS gave them the wrong information although I have no way to prove it. I am continuing to pay the {$100.00} payment I agreed to. If this causes further bookkeeping problems that is beyond my control. I am at least making an effort to pay my debt which is more than I can say for others. 
I am not asking you to resolve my issue, merely to air it. The publicity alone may solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Original Dispute Number : XXXX [ never Got worked ] New Dispute Number : XXXX I went on a Business trip to XXXX [ XXXX XXXX ] : XX/XX/XXXX thru XX/XX/XXXX I noticed a charge for {$4500.00} [ exactly XXXX Real ] after I came back from the trip I filed a dispute on citi.com from my credit card statement page. 
During my initial Dispute there were 10+ charges from the same merchant XXXX XXXX and I disputed them all. 
The City where the merchant is located and where the card was used physically is 8 Hrs away from where I stayed. 
I stayed in the XXXX XXXX area during the entire trip which is evident from all the other transaction. 
The amount that was charged is exactly XXXX XXXX XXXX. 
https : XXXXXXXX Details on how they commit this crime. 
I suspect this is what happened to me while I tried to use my Citi Card and eventually ended up using my debit card to get cash and pay for the restaurant bill. 
https : XXXXXXXX Above website explains in detail how the criminals clone a card and Use it, even if it is a chip enabled card. 

If as a layman, I can find these information and figure out how I got defrauded, I BELIVE that the SPECIALISTs can do a much better task. 

I tried to resolve the issue with citibank several times. without any luck. 
I got the old card canceled and got a new card. I am using the current one and pay off the amount that I spent during that billing cycle. 

Citi is holding on to the fraudulent charge and charging $ 100+ late charge every month.

That is hurting my Credit score. 

Please let me know if you need any further information.

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 2018-12-14 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: FL

Complaint narrative:
I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.

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 2018-12-14 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've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.

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 2018-12-14 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: MA

Complaint narrative:
I am currently disputing an unverified account with Experian that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided 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 - they are required to ... ..Promptly DELETE all information which can not be verified. Experian is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-12-14 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: BB&T CORPORATION
State: VA

Complaint narrative:
BB & T is showing activity on an account that has had zero activity since the account was closed in XX/XX/XXXX. This is only incorrect on the XXXX credit report. The account shows payments being made throughout XXXX, XXXX and XXXX, and then is showing failure to pay during XXXX, XXXX, XXXX and XX/XX/XXXX. No payments were made to this account sinceXX/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 2018-12-14 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: IN

Complaint narrative:
On XX/XX/XXXX Transunion deducted 80 points on my credit report when I paid on some of my accounts and brought down the balances on these accounts, instead of my score going up they brought it down. while on the same date my XXXX  score went up when I lowered my balances there is 95 point  difference between the two my trans is XXXX and my XXXX is XXXX, I have one negative account that they said is the reason but it has been on there for 12 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 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I spoke to The CBE Group months ago that the debt was not correct and that XXXX XXXX ( XXXX ) took it back and wrote it off, asked them to stop calling me and to contact the originator of the debt to verify. This is after several months of back and forth with them and XXXX and many hours of calls and frustrating conversations. They called again today, rude and harassing in tone, threatening to call repeatedly even after I told them to never call me again, and that I had already requested no contact. The agent, XXXX, told me that XXXX sent the bill to them again a few days ago, so they ignored my request for no contact and contacted me because it was sent new. He grew very angry in our conversation and eventually hung up on me after implying threats against my credit and further harassment. I contacted a supervisor to complain against XXXX, they informed me that I was on the no contact list and that this was unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Refinance home in XX/XX/2018 and pending escrow overpayments from previous mortgage lender. Payments released in 2 payments per lender, but larger payment in amount {$520.00} continues to be withheld by lender for no valid reason. I have made multiple calls regarding payment and advised each time that payment should be received in 7-10 business days. Calls made beginning XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Still being informed by agents that check will be issued I will receive in 7-10 business days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: GA

Complaint narrative:
Equifax declines to forward me an updated credit report ... I still behold countless errors on my report ... I have received mail stating that some of it has been removed ... this is hindering me and its a great injustice ... I resolve to pursue litigation very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have been trying to work with Wells Fargo Home Loans for a few years to get a Loan Modification. We have submitted many documents and were represented by an attorney at one point. We recently received numerous phone calls from a real  estate XXXX XXXX XXXX stating that they represent the new owner. 
We never received any notice of a foreclosure sale concerning our home. 
We were under the impression that XXXX XXXX XXXX was submitting documents for a loan modification on our behalf. 
We do not know to do in a situation like this. We are being harassed by two real estate agents.

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 2018-12-14 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: GA

Complaint narrative:
XXXX/XXXX  ( Charge-off ) Transferred or Sold Opened XX/XX/2014 ( 4 yrs, 1 mo ) 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.. 

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
It is against the law to attempt to collect a debt twice ... 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2018-12-14 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: GA

Complaint narrative:
XXXX/XXXX  ( Charge-off ) Transferred or Sold Opened XX/XX/2014 ( 4 yrs, 1 mo ) 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.. 

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
It is against the law to attempt to collect a debt twice ... 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: ID

Complaint narrative:
I am participating in the Public Service Loan Forgiveness Program. I have reached the end of the required time, however XXXX XXXX  ( which manages the program ) has been " dragging their feet '' and mis-processing forms. For over 90 days now I have been attempting to formally communicate with them regarding the numerous " zero months credited '' for my employers that clearly qualify. Prior to them being accepted ( but incorrectly counted as " zero '' ) I had to resubmit them three times - each time for a different XXXX reason that was always a mistake on _their_ end, not mine or my employer 's. 

Unfortunately, mortgage companies now take into account student loan debt - even if it is on the verge of being forgiven, and even if no payments are due ( as is normally the case for any government employee repaying student loans ... ) The delay with PSLF and XXXX has resulted in me missing several windows to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION
State: TX

Complaint narrative:
As shown on the attached scan, BB & T has opened Banking Accounts ( checking I believe, and an e-Savings account ) and a credit card which I did not request. It appears they were opened on XXXX XX/XX/2018.

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