vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 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: NM

Complaint narrative:
We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.

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 2018-03-15 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: NM

Complaint narrative:
We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in xxxx - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: NM

Complaint narrative:
We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in xxxx - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
UNABLE TO CANCEL TRIAL MEMBERSHIP FOR CREDIT MONITORING AND FREE CREDIT REPORT : on XX/XX/2018 at approximately XXXX PDT, based on receiving 9 email alerts and one text from XXXX that a security and monitoring issue had occurred with my personal financial information. As such, I ordered a credit report through Experian online via a 7-day trial for {$1.00}. When I proceeded to cancel the membership, as directed on their website, I was instructed that had to be done by phone. When that call was placed, via their voice automated system at approximately XXXX XXXX, the system announced the wait would exceed OVER TWO HOURS! It has now been 55 minutes, and this is a completely unacceptable situation in an attempt to cancel further " membership '' charges. I have also put this cancellation request in writing which will be placed in the mail today.

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 monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Unauthorized " XXXX XXXX '' charges on XXXX XXXX Store Card XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$54.00} Plus card egregious FEES of {$520.00} for year XXXX, including XXXX XXXX and inaccurate Late Fees.

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 monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I went to Transunion for what I thought was my free yearly credit review and score. Instead, I have been billed for three straight months - XX/XX/XXXX thru XX/XX/XXXX. I never signed up for a pay service. In fact, I never received a monthly or quarterly report from Transunion informing me that they have been monitoring my credit. I happened to notice the charges on my monthly credit card report. I have called them twice. The first time I contacted their representative, one months credit was given, The 2nd phone call I made to Transunion was of no help. I was told by their representative that they only give one month refund and no more. So I am at this point stuck with two months of charges for a service I never wanted and for which they never provided me any evidence of the review. I would be grateful for any help you can provide. Thank you in advance.

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 2018-03-15 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: GA

Complaint narrative:
I am filing a complaint with Experian because I sent the agency a request to VALIDATE accounts listed in my credit file and have the reporting companies UPDATE history on my report and statuses. Experian sent me back a report notatated that the account has been VERIFIED but not VALIDATED. I requested the name and contact number of who VALIDATED this debt and it was not provided. It has been 30 days and nothing has been furnished to me except an updated report and that they verified. The history on these accounts do not reflect my actual payment history and nothing has been provided showing they attempted to obtain information to correct this. My request was not fulfilled within the 30 day time frame and this company did not VALIDATE any of the debts that they continue to report negatively. 
XXXX XXXX XXXX/XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 accounts total I furthermore know that these accounts were not verified or validated because Experian updated a closed paid in full never paid late XXXX XXXX account from 2014 as included in bankruptcy and this account was closed years prior to bankruptcy. I contacted XXXX XXXXXXXX and they affirm they never reported this as included in bankruptcy because there was no balance in this account and it was closed in good standing experian needs to update this account back to the correct standing. 

I also did not request that any remarks be added to my account and they have done so. 

The reporting in not fair and i feel if you are a credit reporting agency you should be reporting the most accurate information on the consumers because this affects my livelihood.

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 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Management Recovery Corp. (NMRC)
State: AL

Complaint narrative:
Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
On XX/XX/2016 I purchased a vehicle from Auto Now Financial Service Company. I was never late on my payments the car was totaled in an auto accident in XX/XX/2016 and was paid in full by XXXX XXXX XXXX paid directly to Auto Now Financial. I attempted to purchase another vehicle from Auto Now Financial although this was done at a different location owned by the same company. The car I was trying to purchase had front axle damage. I reported this problem to the dealership within the first five days. The dealership stated " how do you know it is axle damage? we do not cover tired damage '' I again informed them I took the car to a mechanic who informed me it was axle problem and the car was unsafe to drive. The dealership had previously removed two locking bolts from the two front tires prior to me taking the car. I informed the dealership that I did not want this vehicle and they refused to take it back. The car sat in my apartment complex for three weeks before the dealership showed up with a tow truck to take it. I never gave them a down payment and never made a monthly payment for this vehicle. Auto Now Financial has since reported on my credit report that I did made two payments one in XXXX and one in XXXX of 2016 although their report does not show amounts. They reprocessed my original loan that was paid off by the insurance company as a transfer to the account now listed on my credit report. This was done without my consent or my knowledge. I just found out today of this action. I have never been able to purchase another vehicle since they have done this. Auto Now took the vehicle back and resold it although they have still been reporting as late on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Financial Services, LLC
State: CA

Complaint narrative:
I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX XXXX AT XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

THANK YOU.

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 2018-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, I am dealing with a situation with XXXX where there is a Repossession showing on my credit file that is not even under my social security number, though uses a like name and same DOB. I have had the credit bureau dispute the item with the creditor and have contacted the creditor directly and the matter has not been resolved to date. I made direct contact with the fraud department at XXXX in hopes to get an immediate action as I have done before but not with this particular account and I don't understand why it has not been removed yet. I do appreciate the help they have given me thus far as their fraud department has been very expeditious in other matters in the past few days so I have no real complaint about XXXX except why would they allow an account to be reported to my file in the first place when it so obviously had a different social security number attached to it? The company that reported the incorrect information is Credit Acceptance Corp. XXXX. They reported an auto repossession to my credit file with a different social security number and upon being contacted were so rude and disrespectful because I had no account information to supply for obvious reasons. I called them back again and was transferred to a young lady who was very nice and gave me the account number, the name used, verified the last 4 numbers of the social used and that the DOB was the same as mine. I supplied them with my name, address and contact number and the police report information and was advised I would be contacted within 72 hrs by their company. I called XXXX again to give this information, including the name of the lady I spoke with, but the account remains on my credit. I don't for my life understand why it was not removed as soon as they realized the social security number was not mine, it wasn't even close. Anyway, the battle continues as there are multiple accounts that do not belong to me that do have my social security number attached unfortunately for me. I hope my story helps someone else out there going through the same or similar situation. Stay on top of your credit and don't take No for an answer. It's your credit, your right and as long as we live in a society that rates you by a number on a report, you've got to make sure it's correct and the information is accurate.

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 2018-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I hope that you can help me. 
I took out a 2nd mortgage in XXXX. Payments of {$250.00} per month. It has hardly budged from the original balance in 10 1/2 years!!! Loan was {$25000.00}. Today, it is {$25000.00}!!!! A friend of mine did the math and said that I have already paid over {$30000.00} on this!!! Several people have pointed out that this is predatory lending. The interest rate is 5.75 %. My friend said in several more years I will have paid them {$90000.00}!!!! Please help me. I have always had a good credit rating, and dont know what is going on here. I called them on it about XX/XX/XXXX and all the customer service rep, wanted to do was sell me another loan!! I asked to speak to a manager regarding predatory lending, and she kept saying refinance, refinance. I then spoke with someone else there, told him my problem as I did with her, and all they tried to do is get me to refi/buy another loan!!! I just lost my job, and happened to see that this 2nd mortgage never gets lower when I received this years tax statement!!! Please investigate this, I hope that you can help me. I gave already paid over {$30000.00} on it!!! 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