vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
XX/XX/XXXX : I applied for a mortgage modification. I submitted all requested documents along with a detailed letter explaining my circumstances.

XX/XX/XXXX : I received a past due letter from Bayview. This letter also stated they tried to reach me via phone and I was unavailable. This is not true. I ALWAYS have my phone with me and am available day and night. Ive never received a call from them, missed their call or was left a message to return their call.

XX/XX/XXXX : I received a letter stating my modification was assigned to a specialized team. No individual names and no direct phone number to contact an agent.

XX/XX/XXXX : I received a letter from Bayview stating they needed 2 additional documents. These documents do not exist and I tried calling several times to explain why these documents are unavailable and was put on hold for over an hour each time, only to have the call dropped. I tried going though Customer Service as well but was put on hold and again, after waiting over an hour, the call was dropped. When I was unable to contact anyone by phone, I sent an email on or about XX/XX/XXXX and never received a response.

XX/XX/XXXX : I received a letter disclosing my credit score.

XX/XX/XXXX : I received a valuation report or appraisal prepared for my property.

XX/XX/XXXX : I received two more letters disclosing my credit score.

I tried on or about XX/XX/XXXX to contact Bayview again via phone and was again placed on hold over an hour and the call was again dropped.

XX/XX/XXXX : I received a letter via XXXX stating my modification application was denied due to not providing requested additional documentation.

I tried calling again today, both via Customer Service and through the phone number provided on the denial letter and again was not successful getting through. I believe I deserve to continue with my modification application and should be able to communicate with a human being throughout the application process as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a credit card with Walmart, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. XXXX XXXX is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal 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 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N J XXXX   XXXX  CC # XXXX  XXXX XXXX has sued me for a credit card debt that they bought from XXXX XXXX XXXX  which they can not validate. The last time I had contact with XXXX XXXX XXXX was XX/XX/2011 when I disputed several charges on my credit card that I received from them. I have not used the card since then yet now they say I know them almost {$2000.00}. The time limitation on the suit exceeds the statute of limitations for New Jersey. XXXX XXXX has never proved the alleged debt and they have not responded with regard to the disputed charges. They refused to provide proof of the charges of any credit charges.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: TN

Complaint narrative:
Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from XXXX and Transunion basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the XXXX language why my credit score has dropped that huge amount. Have reviewed credit report that Transunion sent and it has not changed. XXXX did not even send credit report to review. This is ridiculous. I complain. I want an answer.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>> XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX I called Naviant to request to remain on their Rate Reduction Plan that I have been on for several years. After much discussion with the individual I spoke with, XXXX, she spoke with her supervisor and he requested I fax them the last 3 months of my bank statements. I did so on XX/XX/XXXX referencing my acct # XXXX at a cost to me of over {$30.00}. Since then I received no follow up from them on my request from either XXXX or her supervisor, but just an E-mail stating my next payment due on XX/XX/XXXX will be for {$580.00} instead of my current payment of {$300.00} almost 95 percent higher than what I was paying monthly. There is absolutely no way I can afford that increase as I am on a pension and Social Security only and can not at my age, XXXX, take on anymore part time work due to failing health and other financial obligations all of which I explained to XXXX in great detail. After I repeated all the details to XXXX she stated it looked like I had about {$51.00} left over ever month. Since I initiated this loan in XX/XX/XXXX I have paid them over {$30000.00} from the original amount of {$45000.00} but I still owe them {$48000.00}. I also explained to XXXX that I have taken out 3 different insurance polices with XX/XX/XXXX XXXX that amount to {$50000.00} just to cover my debt to Naviant when I pass away. My youngest daughter is the beneficiary of those policies and it is her best interest to use the funds to pay off the loan because she is listed as a co-borrower. Please contact them at XXXX to ask them to extend my Rate Reduction Plan for the rest of my life and quite trying to get more money out of me every year. Last but not least I am a XXXX veteran. Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
ON WED XX/XX/XXXX MY HUSBAND AND I RECIEVED AN EMAIL FROM GM FINANCIAL FOR A BALANCE OF {$740.00} AND ANOTHER PMT THAT WOULD BE DUE XX/XX/XXXX BUT WE QUALIFIED FOR A DERFERMENT WHICH WOULD PUT TWO FULL PMTS AT THE END OF THE LOAN BUT NEEDED TO CONTACT THE OFFICE BY XXXX. ( THEIR LOCATED IN XXXX ) I REPLIED VIA EMAIL TO THE SENDER ( XXXX XXXX ) IF WE COULD PAY {$300.00} NEXT FRIDAY XX/XX/XXXX ON HUSBANDS NEXT PAY BUT WAS NO REPONSE OR CALL BACK FROM HER OR ANYONE. I THEN ATTEMPTED TO MAKE ARRANGEMENTS BUT MY HUSBAND HAD TO TAKE THE CHANCE OF BEING FIRED WHILE BEING ON HIS PHONE AT WORK TO CALL AND GIVE THEM PERMISSION TO DISCUSS THE ACCT WITH ME. WE HAD ALREADY SENT IN THE PROPER DOCUMENTATION REQUESTED BY GM TO BE AUTHORIZED TO SPEAK WITH ME BUT HIS HAS ALWAYS BEEN THE ISSUE EVERY TIME I'VE HAD TO CALL THEM. IN ORDER TO COMPLETE THE DEFERMENT MY HUSBAND AGAIN HAD TO BE SPOKEN WITH TO GET A PIN NUMBER TO AGREE TO THE PROCESS AND WE WERE TOLD IT WAS {$52.00} TO FINALIZE THE AGREEMENT SO I USED XXXX XXXX AND DEBIT CARD TO PAY A TOTAL OF {$60.00}. IT WAS AFTER THAT WE WERE TOLD THE REPO COMPANY COULD STILL COME OUT FOR THE VEHICLE BUT WE KEPT OUR FAITH THAT WE WOULD BE OK AND THINGS WOULD WORK OUT AND WE'D GET BACK ON TRACK. MY HUSBAND LEFT FOR WORK THIS MORNING AT XXXX AND AROUND XXXX SURE ENOUGH XXXX XXXX XXXX XXXX XXXX WAS LOADING UP THE TRUCK. THE DRIVER WAS FRIENDLY BUT WAS GIVEN ORDERS TO COME GET HE TRUCK SO ONLY DOING HIS JOB IT WAS GM WHO DIDNT GET THE DOCUMENTS TO THE REPO COMPANY TO SEIZE THE REPO IN TIME SO NOW THEY SAID THE DEFERMENT NO LONGER IS AVAILIBLE AND TO GET THE TRUCK BACK WE NEED TO PAY {$1400.00}. MY HUSBAND JUST STARTED WORKING 10 HOURS A DAY AND WE HAVE XXXX DAUGHTERS XXXX AND XXXX WHO I NOW HAVE NO TRANSPORTATION IN THE EVENT OF AN EMERGENCY ISSUE AS WELL AS I WAS DIAGNOESD WITH XXXX XXXX SO HAVE HAD TO SCHEDULE MY APPTS. WE ARE VERY DISATISFIED WITH THE TREATMENT WE HAVE RECIEVED FROM GM AND HURT A FINANCE COMPANY IS MORE THAN WILLING TO SHATTER LIVES RATHER THAN WORK WITH MORE COMPATION WITH PEOPLE WHO HAVE ROUGH TIMES FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX Date opened>>>> XX/XX/2012

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 2018-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: NY

Complaint narrative:
I leased a 2014 XXXX XXXX. During the leasing process I was told that absoluted all fees were paid upfront and then all I needed to do was pay the monthly fee and return the car in an acceptable condition. Upon completion of the lease, with the car in perfect condition, and with the car with far far fewer miles than contractually allowed, I was charged a {$380.00} disposition fee because I didn't choose re-lease another XXXX. This was never disclosed to me. It was buried in a giant contract which I was told was standard and unfortunately I signed without fully reviewing or referring to legal counsel for review. I was told it was standard and I had been told of all fees. XXXX threatened my credit. They had a collection agency come after me for this. I tried to speak with supervisors. They told me the CFPB has no jurisdiction over them and that they are not aware of any rules regarding properly explaining hidden fees to customers. 

I would also add, I chose not get another XXXX because the dealership was over-billing me for service and attempting to commit insurance fraud. Claiming it would take some insane amount of labor and excessive parts expense simply because they could convince an insurance adjuster to approve it. This made me very uncomfortable. This coupled with the generally terrible service was enough to turn me off the dealerships closest to me and the brand in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the reporting of a 30-day-late payment to the credit bureaus by XXXX XXXX XXXX. This is in relation to an auto loan for which I am the co-signor. The auto loan is my dad 's - it is for his car and he makes all of the payments ( $ XXXX ). 

Something happened where my dad 's payment ( XX/XX/XXXX ) got returned, he didn't realize it, and so he became overdue past 30 days for the month and it was reported to the Credit Bureaus. It was at this point I became aware there was an issue because my credit score took a sharp dip. I was never contacted about the late payment before it was reported. I got in-touch with XXXX/my dad and we got it all worked out immediately. The account was brought back to current within the next pay period ( XX/XX/XXXX ). 

With the account current, I explained the situation to XXXX and asked them to remove the reported missed payment ( just for ME ) but they refused. They said that they do not do courtesy removals per policy. I tried disputing with TransUnion but they told me there's nothing they can do if the creditor refuses to remove the item. 

I am looking to shop for a mortgage soon and so repairing my credit is paramount. This late payment reported by XXXX is the single negative mark on my credit record but has caused a significant drop in my score. I just can't believe I am getting stuck with a detrimental " missed payment '' on my record when I was never contacted about a payment being late prior to it being reported ( on an account that's not even my own, no less ).

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 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified consultants/collection company reported false information about a debt they were trying to collect for a phone bill. I repeatedly told them it was not mines. I disputed with credit bureau and even asked to have this removed without proper documentation, no contracts no signatures. company threatened me so i agreed to pay the debt letting them know still it wasnt mines and that they would agree to take it off my credit report by paying for a pay to delete option. i paid the balance of {$300.00} and did not receive no receipt or documentation to delete the file. they have still been reporting me to the credit bureaus. they will not speak to me about this matter. Ive made call and disputes for months with them hanging up in my face or not responding to me claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: TN

Complaint narrative:
Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from Equifax and XXXX basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the English language why my credit score has dropped that huge amount. Have reviewed credit report that XXXX sent and it has not changed. Equifax did not even send credit report to review. This is ridiculous. I complain. I want an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX Date opened>> XX/XX/XXXX XXXX  XXXX Date opened>> XX/XX/XXXX XXXX XXXX   XXXX  Date opened>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date opened>> XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: WRJ Holdings, LLC
State: GA

Complaint narrative:
I took out a loan with XXXX XXXX XXXX  in XX/XX/XXXX. I have always made my payments. I lost my job recently. In XX/XX/XXXX, i receive a text saying they were going to issue a warrant for my arrest because i had not made my payment. At this time, im not past due. It matured XX/XX/XXXX. Well, XXXX   said i could not extend the lian and i had to pay up, or go to jail and taking truck. I didnt have enough money and im still trying ti come up with my pay off which is {$1400.00} give or take. My loan has bot reduced at all in the past two years of payments. Also, i was looking at the contract and it is illegal. It states the percentage is 12.5 and annual percentage rate is 152.08 % APR. That is over the mandated 12.5 % enforced by Ga. law. Georgia law states there is a cap on all pawn transactions in the state of Ga., not to exceed 12.5 % after the third extention. That is 12.6 % according to my calculations. Also, the threats with warrants, i do believe is illegal. They have strong armed me and have taken my vehicle and selling it because i xant pay what they say is due. I dont know what to do and i feel violated. The contract is not legal in the state of Georgia and i would think that makes my pawn transaction null and void according to Ga. law and they forfeit any interest due and have to give me my title, correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I worked with XXXX XXXX XXXX XXXX to settle my XXXX credit card. They told me the account was in a precharge off status and they offered me a settlement of {$780.00} due on or before XX/XX/XXXX. They said if I don't make the payment or if the payment is late then the credit card would charge off. I made the payment on XX/XX/XXXX for {$780.00} over the phone with my routing and account number. They said they would update XXXX so XXXX can update the credit bureaus. XXXX   updated my report saying that i made " payment after charge off/collection settled - less than the full balance ''. I was confused so I called XXXX XXXX at XXXX XXXX XXXX XXXX who is a collection supervisor, I explained that I settled the account with them and I asked him if the account was charged off when I settled it. He said no it was definitely not charged off and his company updated XXXX   that it had been settled, he told me I would have to contact XXXX  because they are the ones that update the credit bureaus. I called XXXX  and explained the situation. I talked to a couple representatives, one said that because I settled the account that means it was charged off and that is why it reflects that way, which is completely inaccurate information, she claimed she would put in my dispute. I talked to another person at XXXX right after that and she said she wasn't sure why it would update like that on the credit report, and proceeded to say it was probably an error in timing and when XXXX XXXX XXXX updated XXXX, she said she would put in a dispute. She then proceeded to give me the phone numbers for the 3 different credit bureaus and said to have them call XXXX to confirm the way that the account should be reflecting, that it was settled, not charged off. She also asked for my permission to speak with anyone from the three credit bureaus about my account, which I gave them permission to do. I called one of the credit bureaus and waited on hold for an hour, and when I got a live voice on the phone I told them what XXXX told me and asked them to call XXXX to verify how my account should be reflecting on my credit report - they refused to do that saying they don't make calls to creditors. I've wasted hours of time trying to get this resolved and still don't have an accurate resolution.

Company response to consumer: Closed with explanation